Please find details below of insurances you may wish to consider for your child.
Personal Accident Insurance Scheme has been arranged on a group basis, as part of a plan specially designed for Independent Schools. Whilst, of course, we take very care in all the activities in which pupils engage, and we are especially concerned to maintain a proper level of supervision at all times, it is still the case that if they are to be fully extended as they grow up, some of the more exciting opportunities here do involve an element of risk. The School’s insurance covers damage and liability to third parties but would only cover a claim in respect of an injury to a pupil where negligence on the part of the College or its employees could be clearly established.
For this reason, pupils are only accepted for certain activities – the sailing and canoe clubs, rock climbing and some adventurous expeditions for example – if they are covered by a personal accident policy. It may be that some of you have arranged such cover privately, but if not the School scheme is extremely comprehensive and reasonable in cost, particularly when it includes all holiday activities. Of course, we all hope that it will never be necessary for parents to make a claim through this scheme but it is a very worthwhile precaution. We shall therefore enter your child for the scheme from the beginning of the first term and charge the premium unless you complete the return.
The Insurance Policy
What cover it provides: Accidental Bodily Injury resulting in
- Loss or loss of use of two or more limbs
- Loss of or loss of sight in two eyes
- Permanent Total Disablement
- Permanent Partial Disablement Reduced Scale of benefits (loss of one limb, hand, finger, etc.
Operative Period: 24 hour cover throughout the entire year until the pupil leaves the school.
To whom are Policy Proceeds paid To the parent/guardian of the injured child
What it excludes; War, invasion, or civil war, pregnancy, suicide or self-injury.
Insurers Certain Underwriters at Lloyds and Co-Insurers
1. Claims should be made within 30 days of the accident.
2. Compensation can only be claimed in one category of benefit.
3. One Group Policy document will be issued to the School.
The School operates a Personal Effects Insurance. The premium covers losses of up to £5,000 (£2000 for any one article). Bicycles of greater value than £350 should be covered under your household all risk insurance. Please note that this insurance does not cover mobile or smart phones their accessories and jewellery with a value over £150. There is a £25 excess and for laptops/tablets the excess is £100.)
As fees are a significant item of expenditure, the Board of Governors has approved a scheme of insurance against absences through sickness. Considerable reductions in premium rates have been negotiated and the cost for day pupils and boarders is 1% of net tuition and boarding fees. This scheme is highly recommended to parents since it allows substantial fees refund if a pupil is absent for 5 days or more due to accident or sickness. The premium will be included on the fees account unless the return is completed.
Please be aware, if you decide not to participate in this scheme when your child joins the school, we have been advised by our Insurance Company that you will not be able to join the scheme at a later date.
THE SCHOOL WILL REFUND FEES FOR: (Members of ASR Scheme only)
Absence from the School for a continuous period of at least 5 days due to illness of or accidental bodily injury to the pupil or the necessary closure of the school (or a Boarding House) owing to an epidemic amongst the pupils
Absence from classes for a continuous period of at least 5 consecutive days in the case of a Boarder treated at the school for illness or injury.
A term’s fees in lieu of notice in the event that illness or injury forces withdrawal of a pupil from the school.
PLEASE NOTE THAT THE SCHOOL WILL NOT MAKE REFUNDS:
For absence due to fear of infection at the School or due to inoculation, vaccination or similar preventative treatment unless insisted upon by the School.
For absence resulting from any physical or mental defect or infirmity or susceptibility to a recurring disease or illness in existence when the pupil joined the scheme or on each anniversary of joining
Due to war, invasion, hostilities or the like
AMOUNT OF REFUND
The amount the School will refund will be in direct proportion to:
The number of term-days absent including weekends but not counting half term weekly breaks (for Boarders).
The number of tuition days absent (for day pupils).
For Boarders treated at the school – three-quarters of the above amount.
The maximum the School will refund for one claim will be 3 terms’ fees.
You will be required to verify entitlement to claim by providing a medical certificate on a form obtainable from the School. For boarders treated at the School, the requisite certificate will be obtained. Any refund will normally be deducted from the next term’s bill.