I Am A Single Parent With A Full-Time Job Outside The Home. I Have Hired A Live In Au Pair/Nanny To Drive The Children To Their Various Activities And Run Errands. Does She Have To Be Added To My Auto Policy? Can She Drive Using Her Own Country’s License?
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Sr. Director of Content
Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
Updated July 2023
If your au pair drives your car on a regular basis, you do need to add her to your policy. It is recommended that she obtain a US license, but if she is only here for the summer or season there is not much point to doing so. When you add her, she is asked for her driving record. If she can provide proof of experience and driving record from her country she can obtain better rates, depending upon her age. If she is only here for a short time, fewer than three months, do not bother to add her to your policy, since the paperwork will take longer than the time she is here. Others may disagree with this, but she is automatically covered, as long as she is legally licensed here or elsewhere. Should something happen, the insurance company may ask for her driving information and you can provide it at that time.
Case Studies: Au Pair/Nanny and Auto Insurance Coverage
Case Study 1: Sarah and the Summer Au Pair
Sarah, a single parent with a full-time job, hires a live-in au pair/nanny during the summer months to help with her children’s activities and errands. The au pair occasionally drives Sarah’s car to transport the children. Since the au pair is only in the country for a short period, Sarah decides not to add her to the auto insurance policy due to the paperwork involved.
Case Study 2: Mark and the Full-Time Au Pair
Mark is a single parent who has hired a full-time live-in au pair/nanny to assist with his children and their activities throughout the year. The au pair regularly drives Mark’s car to transport the children. In this case, Mark decides to add the au pair to his auto insurance policy since she will be driving his vehicle frequently.
Case Study 3: Lisa and the Long-Term Au Pair
Lisa is a single parent who hires a live-in au pair/nanny on a long-term basis to help with her children’s care and transportation needs. The au pair regularly drives Lisa’s car to take the children to school, activities, and run errands. In this case, Lisa decides to add the au pair to her auto insurance policy to ensure adequate coverage in case of any accidents or incidents while driving her vehicle.
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