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.)
Fees are a significant item of expenditure, the Board of Governors has approved a scheme to offset parental fee costs due to sickness absence. 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 five days or more due to accident or sickness.
Pupils’ Private Medical Scheme
You have the opportunity to enrol your child in the School’s private medical scheme for pupils, which is provided by AXA PPP Healthcare.
Please see the attached information booklet for further information, including details of the benefits provided, and the policy application form.
Cover can be in place for the Autumn Term, to commence from 1st September 2018, if we receive a correctly completed application form in time for us to submit it to Marsh Limited, our insurance intermediary, by 30th July 2018. Cover is subject to the insurers accepting the application.
If we receive your application form after that date, cover will commence from the date your application is accepted by the insurer.
Please note that application forms for the Autumn Term cannot be accepted after that term’s closing date of 30th September 2018.
You should complete and return the form as early as possible if you require cover for your child from 1st September.
For the academic year 2018/19, the insurance premium will be £82 per pupil per term, inclusive of Insurance Premium Tax (IPT), provided the level of IPT is not changed by the Government.
You do have the right to cancel the cover at any time as advised in the leaflet provided; cover will end if your child leaves the school.
For further information on the Pupils’ Healthcare Scheme please call Marsh Limited Education Practice on 01444 335174
Lines are open Monday to Friday 9am to 5pm.