The Risk and Insurance team are able to provide schools* with high quality insurance cover, a hassle free claims handling service that understands your issues and risk management advice, designed to help prevent incidents disrupting your school.
We are committed to providing you with an excellent, value for money service. Together with Health and Safety, Emergency Planning and Property Services, we aim to deliver an integrated solution to risk management. With an on-site, telephone and web service, we will be there to support with advice and help you through the unexpected events that can arise.
We offer a range of products from our bronze package, which provides the minimum level of cover that a school needs, to our enhanced gold product, designed to give you absolute peace of mind. Additional covers such as motor and school travel can also be provided to give your school a product tailored to meet your needs.
*Regrettably, this service is not available to academies.
What we offer:
- Bronze insurance: providing you with liability insurance and basic cover for your buildings and contents
- Gold insurance: giving additional cover including accidental damage, theft, vandalism, accidental damage to glass and liability cover for your PTA
- Off-site annual travel insurance covering all trips; from a visit to the park to scuba diving on the Great Barrier Reef.
- On-site personal injury cover for pupils.
- Motor insurance for all school vehicles including free cover for vehicles on hire (to a maximum of 50 days per year).
- No claim bonus/loss of excess protection scheme for staff.
Summary of cover:
Bronze cover:
The bronze cover provides a basic level of insurance designed to ensure that the schools liabilities are covered and that schools have cover for major losses that might arise.
- Fire, Flood, Storm and other major perils
- Business Interruption
- Public Liability
- Employer's Liability
- Officials Indemnity
- Professional Negligence (subject to separate declaration)
- Libel and Slander
- Fidelity Guarantee
- Terrorism
- Staff Personal Accident
Gold cover:
The gold package provides a comprehensive level of insurance cover which gives the school complete piece of mind. In addition to the cover provided by the bronze package it also covers:
- Full cover provided by the bronze package
- Accidental Damage Cover
- Vandalism
- Theft
- Cash
- Contents taken off-site within UK with authorisation up to £5,000
- Key replacement from theft/loss
- Damage caused by burst pipes
- Accidental damage to glass - New this year
-
Free public and employers liability cover for PTAs and after school clubs if you buy the Gold Cover. You simply need to confirm their details to the Risk and Insurance Team.
Off Site Annual Travel Insurance:
From a trip to a local park to scuba diving on the Great Barrier Reef this product offers you great value product which provides a higher level of cover than many other policies.
Last year many schools benefited from this cover when trips where cancelled because of the snow.
The policy provides travel insurance cover for pupils, teaching and support staff, adult volunteers, helpers and assistants and other authorised children for trips both in the UK and the rest of the world.
It provides cover for:
- Medical expenses
- Supplementary travel expenses
- Emergency repatriation
- Loss/theft of personal belongings
- Personal belongings delay
- Money
- Credit/Debit or charge card misuse
- Emergency passport replacement
- Cancellation/missed departure including due to bad weather
- Winter sports
- Dental Injury
- Overseas legal expenses
- Find and Rescue
As an alternative, you can buy ad-hoc cover for individual trips directly from the Risk and Insurance Team. However, for most schools buying the annual policy is a better value option.
The full policy wording is on "WIRED" or www.eduvia.com.
On-Site Annual Personal Injury Travel:
Available to purchase when you take out off-site insurance. It will cover pupils, adults authorised to act as a volunteer, assistant or helper for personal injury whilst:
- Undertaking school duties within the school's boundaries
- To and from the insured person's home and the school including walking buses etc.
Motor Insurance:
Covers accidental damage to Nottinghamshire County Council vehicles for the market value of the vehicle or repair cost, whichever is the lesser.
To improve our service, all schools automatically have insurance cover for hire of leased-in vehicles for school business at no additional cost for up to 50 days for the year. Just advise the Risk and Insurance team of the details before hire commences and we will arrange the cover.
The insurance also covers injury or damage to other parties including passengers where NCC owned or hired in vehicles are used for school business and the accident was the fault of the driver.
There is also cover for defending criminal prosecutions, subject to the agreement of the Insurers.
Costs:
This year we have reviewed the way that insurance is charged to schools and are launching a simplified system which rewards low claims.
All schools must have a minimum of the bronze cover but can then top up with:
- gold cover
- annual travel insurance
- on-site personal injury cover for pupils
- motor insurance
Schools will be provided with an individual quote.
If you wish to consider alternative quotations, please note that the cover must be no less extensive than that provided for the County Council. Premiums will differ if not compared on a like for like basis for example, claims experience, building construction, location, policy terms and limits all need to be taken into account. We will need to examine the cover to ensure it is adequate before you sign a binding contract for insurance elsewhere.
Bronze and gold insurance:
Standard Band
|
More than 4 claims in three years or claims with a total estimated cost of more than £20,000 in last three years |
£55 per pupil |
| Discount Band 1 |
Between 1 and 3 claims with an estimated total value of less than £20,000 in the last three years |
£50 per pupil |
| Discount Band 2 |
No claims in the last three years |
£45 per pupil |
Minimum premium of £2,500 applies. Schools that only wish to buy the compulsory bronze covers will receive a 15% discount. Your school's individual quote will be provided to you before the 1 March 2012.
School Annual Travel Premium:
| |
Off Site Cover (per pupil) |
On Site Cover (per pupil) |
| Primaries |
55p |
32p
|
| Secondaries/Specials |
91p
|
32p
|
Motor insurance:
| Minibus/People Carrier - Own School Use Only |
£635
|
| Minibus/People Carrier - Shared School Use (not including academies) |
£955
|
| Minibus/People Carrier - Community Use |
POA
|
| Other Vehicles |
POA
|
Should any schools premium increase by more that 5% as a result of the new charging mechanism as opposed to any increase in pupil numbers the increase will be capped at 5% for two years.
Excesses:
| Property Damage - excluding fire * |
£250 per claim
|
Fire
|
£0
|
Motor
|
£250
|
Glass
|
£3,000
|
Travel
|
£0
|
* note security conditions apply
Our pledge:
We will be there to support you by providing quality insurance cover, responsive claims handling and specialist risk management support. From the small to the catastrophic, we will be there to support you.
