Aon Pupil Based Insurance

Despite everyone’s best intentions, accidents do happen and can have life-changing consequences. Pupil and staff personal accident cover will help families cope with the financial burden and costs that often follow an accident, and covers everything from short term, partial disability to permanent, total paralysis.

Where the Cover Stands Out

Our cover provides support including:

• 24-hour worldwide cover for pupils and staff (excluding Afghanistan, Iraq, Syria or Yemen)
• Fixed benefits for death, partial disablement or total disablement
• Additional expenses for further support
• Cover at a Glance
• Dental treatment expenses up to £10,000
• Funeral expenses up to £5,000
• Rehabilitation expenses up to £2,500
• Home alteration expenses up to £25,000
• Domestic assistance expenses up to £50 per week and £1,000 in total
• Counselling expenses up to £2,500
• Independent financial advice expenses up to £2,500
• Crisis containment costs up to £25,000
• Staff retraining expenses up to £10,000
• Staff recruitment expenses up to £5,000
• Volunteers and members of the board of governors can also be included – separate terms and limits apply

Requirements and Restrictions at a Glance

- Termly declaration to be provided by the school to Aon of persons to be insured - Persons to be insured must be under 80 years old and legally resident in the UK, the Channel Islands or the Isle of Man - An insured person must consult a medical practitioner as soon as possible after suffering injury - Exclusions include: injury resulting from playing sport professionally or semi-professionally; sickness, disease or naturally occurring or degenerative conditions; intoxication or drug use; flying other than as a passenger in a commercial aircraft; and engaging in military activities

Pricing

• Up to £600,000 cover
• £3.24 per insured person, per term
• excluding Insurance Premium Tax at 12%
• Up to £1million cover
• £4.05 per insured person, per term – excluding Insurance Premium Tax at 12%

With an increasing number of pupils bringing a range of high value items into school, it can be surprising just how expensive loss or damage to pupil belongings can be. Given that most schools don’t accept any responsibility for loss or damage to pupil belongings, pupils' personal belongings cover provides protection for these items.
A range of different personal belongings can be covered, including mobiles, laptops, tablet computers, musical instruments, jewellery and bicycles.

Where the Cover Stands Out

Pupils' personal belongings cover is designed with pupils in mind and offers a comprehensive cover including:

• Belongings covered whilst at the school, during school trips and uninterrupted travel to and from the school
• Cover for computers, mobile phones and tablet computers included as standard
• No policy excesses, so when a claim is paid out it is for the full amount

Cover at a Glance

- Cover options of £3,000 and £5,000 per pupil - Cover applies on a worldwide basis, excluding Afghanistan, Iraq, Syria or Yemen

Requirements and Restrictions at a Glance

- Termly declaration to be provided by the school to Aon of persons to be insured - Restrictions apply for pedal cycles, items in an unattended vehicle, and items left at school outside of the school term - Any loss or damage by theft, arson, malicious damage or riot must be reported to the police - Exclusions include: money; vehicles; contact lenses; loss or damage caused by wear or tear, inadequate maintenance, computer virus or hacking; sports equipment while in use; and loss or distortion of information

Pricing

Variable rate applies dependent on scheme requirements.

When a pupil’s attendance is interrupted through accident or sickness, you want to ensure that you can maintain both your revenue and the goodwill of parents. School fees cover is designed to meet the cost of school fees that continue to be payable when a pupil is absent from school due to:

• Illness, sickness, disease or accidental injury, or
• Closure of the school as a result of a disease outbreak and where remote learning cannot be provided

Any amount paid under the cover is payable to the person(s) who have a contractual obligation with the school to pay the fees.

Where the Cover Stands Out

School Fees cover helps protect your school for loss of revenue due to pupil absence. Cover includes:

• Illness, disease, sickness or injury - up to five continuous terms or 18 months’ worth of fees – but limited to 90% of this amount for boarding pupils
• School closure due to disease outbreak – up to two weeks’ worth of fees
• No requirements for medical certification for absences of less than 14 consecutive days

Cover at a Glance

• Additional cover included for accidental death of a fee payer (aged 79 or less) or of a pupil – providing up to five continuous terms or 18 months’ worth of fees
• Additional cover included for withdrawal of a pupil – up to one terms’ worth of fees if for disciplinary reasons, and up to 75% of one terms’ worth of fees for any other reason
• Crisis containment costs up to £25,000

Requirements and Restrictions at a Glance

• Termly declaration to be provided by the school to Aon of persons to be insured
  
• Minimum absence periods apply – four consecutive days for a day pupil and three consecutive days for a boarding pupil
  
• Exclusions include: coronavirus, severe acute respiratory syndrome or a declared medical epidemic or pandemic; pregnancy or childbirth; deliberate exposure to danger; and flying other than as a passenger in a commercial aircraft
  

Pricing

Variable rate applies dependent on scheme requirements.

The Pupils' and Staff Personal Accident, Pupils' Personal Belongings and School Fees policies are arranged by Aon UK Limited and underwritten by Zurich Insurance Group Limited.

FP.PAR.608.RR