Lisa, IMHO you should be paying the cleaner for all time and expenses incurred whilst travelling during her normal working hours. If you tell her to start at 9 and finish at 5 then you should pay for all of it (time and petrol) HOWEVER as i see it your employees have no right to tell you that they cannot be bothered/dont want to/cant see the point of travelliong from home and to you to get a key then go back agian etc, because this is YOUR business and you are paying them to do the job. I cannot see the problem.
That said, you need to set in stone what exactly consitutes the journey 'from home to work', in otherwords i dont think it is fair that anyone should be told that their working day starts at 9am BUT they have to at the first job -or your base- by that time if it is a case that one day the first job is like 2 miles away from the cleaners house and another day its a job 12 miles away. You need to set a boundry AND STICK TO IT!!!!!!! Why not say 3 miles maximum and anything after that is considered YOUR time and YOUR travelling cost?
As you know, i work alone. Each and every day is spent criss-crossing and over-lapping the area in which i work and i often drive past loads of clients houses in order to go to another because my working day is dictated prinicpaly the day that the client wants and when i can fit them in. The travelling is one of the last things i have to factor in as it is far, far easier to make longer, overlapping journeys, than it is to try and do all the jobs in one area on the same day.
What i am trying to say is that your staff need to know that this job (and i am sure many others too) is all about having to accept that you spend a lot of time going from A to B via X Y and Z, just to go back again.
If they are saying that the travelling time does not allow enough time to do the cleaning then you must evaluate this statement carefully to see if they are telling the truth. If there is no impact on the job then they need to be aware that you are paying them for the travelling and the time so they can d**n well go where you send them.
As for whether or not you pay their travelling time and expenses from their home to the first job and then from the last job to home is up to you.......my suggestion would be to not pay the travelling time BUT consider paying the petrol (you will have to do the maths first) because there are few -if any- perks for your staff in this role. One thing i will say though - if you pay it for ONE member of staff you must pay it for ALL members otherwise you know what will happen, you'll have a mass fall-out.
Another word about keys (and i am sure you dont need me to say this, but....) FFS make sure none of your clients are 'aware' that you are having issues over keys as you will loose them faster than i dont-know-what. All it takes is for one of them to overhear one of your staff having a good old bit ch about you and your procedues (and i bet you a pound to a penny they do bi tch) and that will be the end of that. The client wont want to take chances when it comes to their house keys....
Wishing you all the best Lisa

Stephen