Car insurance Ryder?

[Anonymous]

I've seen it posted here and other places. Nannies saying they have a Ryder on their car insurance to cover driving their charges.

What is it really, do you legally have to have it, and is it expensive?

I'm new to nannying and will soon be driving my charges and want to make sure I have everything covered.

[Anonymous]

I used to have one with State Farm. It was only about $50 every six months.

[Anonymous]

I have it through geico. They made me have it after they asked if I used my car for the children.

[Anonymous]

I was able to add it to my car insurance coverage at no additional cost.

[Anonymous]

Op here, do you guys know what it covers, is it additional coverage or just protection for me? Do your bosses pay it?

[Anonymous]

It is essentially a rider to cover the use of your car for business purposes, which is otherwise not covered by personal car insurance. (MB here, but I have the same rider on my own car for business use because I am self-employed.) You will need to check with your insurer to see what they do and don't cover (some policies may cover occasional use, for instance, but won't cover you if you're driving your charges regularly). And yes, I'd expect your employer to cover the cost (which should not be huge assuming you have decent base coverage on your car already).

[Anonymous]

If a nanny told me She had one and spelled it "ryder," I wouldn't hire her. It is rider, OP. Learn to spell!

[Anonymous]

Op here, I was just going off what I've seen posted here and other places and it's always been spelled Ryder sorry I didn't know it's spelled rider