When you become a foster carer, Fosterline advise that you inform your home and car insurance companies, and take time to understand how fostering children will affect any existing or new insurance policy. A failure to inform them could affect any future claim.
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Fostering and insurance
Remember – all children fostered by you must be included in your insurance policy. Insurance companies will - for the purposes of the policy - include foster children as members of your family. Good practice would be for you to ask your insurance company for written confirmation that they have included your foster children in your policy.
Check with your fostering service what insurance they require you to have in place: they may wish to see evidence of this periodically.
Foster carers may wish to shop around to find the most cost effective home and car insurance cover that meets their needs, and/or explore foster friendly organisations that may provide additional benefits. Foster carers may be able to receive discounts on insurance as part of any membership service put in place by their fostering service.
It may be helpful to confirm what cover is provided by the fostering service/check the Fostering Agreement in place, which should include "arrangements for meeting any legal liabilities of the foster parent arising by reason of placement” (Sch 5 in support of Reg 27(5)
Fostering Services (England) Regulations 2011 (as amended)).
