Aon Pupil Based Insurance

Our scheme extends further...

The Aon and Hiscox Pupil Based Insurance Scheme offers flexibility by allowing the separate policies to be taken individually or as a comprehensive package, offering peace of mind and making life easier for you.

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Personal Accident for Pupils and Staff

Covers medical costs and dental bills of Pupils and Staff as standard, whether accidents occur during or out of School time. It could reduce the number of potential negligent acts claims against the School’s own insurance, helping to avoid potential tensions between Parents, Staff and School.

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School Fee Remission1

Provides financial protection for Parents by covering Fees if their child can’t attend school.2
For you, it provides reassurance that Fees will be paid, and maintains the goodwill of Parents during any period of absence.

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Pupils' Personal Belongings

It’s likely your School won’t accept responsibility for loss or damage to the personal belongings of Pupils. This could leave Parents facing a hefty bill, especially with the popularity of mobiles, tablets and laptops. This Policy provides comprehensive cover including out of School hours cover and accidental damage with no excess.


Why not call us for a quote and find out how to take advantage of our extensive Scheme?

Call aon

0371 7052 211


Pupil Based Schemes have been designed to provide Independent Schools with the opportunity to offer added value to parents, ensuring financial protection for them against the unexpected, for their greatest asset, their children, as well as protecting your School.

These solutions have been developed to ensure simplicity and ease of administration and include:


Pupils' / Staff Personal Accident Cover*

Despite everyone’s best intentions, accidents do happen, and can have life-changing consequences. Pupils and Staff Personal Accident cover is designed to help families cope with the financial burden that often follows an accident, and covers everything from short term, partial disability to permanent, total paralysis.

School Employees, Governors and Voluntary Staff can also join the Personal Accident Scheme cover.

Where we feel the cover stands out

Pupils' and Staff - Personal Accident Cover is designed to lead the way in protecting your Pupils and Staff for any unforeseen accidents offering:

  • Cover for Dental Treatment included as standard up to £10,000, with no need to obtain prior Insurer approval for any treatments
  • Total Loss of Speech covered up to £500,000
  • Funeral Costs covered up to £5,000
  • Rehabilitation Costs covered up to £2,500
  • Pupil Counselling covered up to £2,500
  • Crisis Containment – covered up to £25,000
  • Staff Retraining costs covered up to £10,000
  • Staff Recruitment Expenses up to £5,000.

Cover at a glance

24 hour Worldwide Cover
Up to £1 million Cover for Death and Disability
Dental Treatment Included as Standard
No Sporting or Activity Restrictions
Includes Travel to the School before the Start of Term

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%

*Persons covered must be below the age of 79, there is no cover for military academies, no cover is provided for trips to places that the FCO advise against travel to.

 


Pupils' Personal Belongings Cover

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 we feel the cover stands out

Pupils' Personal Belongings cover is designed with Pupils in mind in protecting their personal belongings and offers a comprehensive cover.

  • Cover for electronic devices included as standard, up to £750 per device
  • 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 for Pupil belongings whilst on School Trips
24 Hour, Worldwide Cover
No Excess Applies
 Cover for mobiles / tablets and laptops included up to £750

Pricing

Cover for up to £3,000 of Pupils' personal belongings
£5.40 per Pupil, per Term,
excluding Insurance Premium Tax at 12%

Cover for up to £5,000 of Pupils' personal belongings
£9.10 per Pupil, per Term,
excluding Insurance Premium Tax at 12%


School Fees Remission Cover

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 Remission cover is designed to meet the cost of School Fees when a Pupil is absent from School due to sickness, accident or quarantine.

Where we feel the cover stands out

School Fees Remission cover1 is designed to protect your School for loss of revenue due to Pupil absence.

  • Up to 90% of School Fees covered for boarders who are ill but remain on the School premises
  • Cover for up to five Terms’ worth of Fees in the event of accidental death of a Fee payer
  • Franchise periods of three days for boarders
  • Cover for death of Fee payers up to 80 years of age
  • No requirements for medical certification for absences of less than 14 consecutive days

Cover at a glance

Pupil Sickness or Accident
Death of a Pupil
Pupil Withdrawl 
Accidental Death of a Fee Payer

Pricing

Variable rate applies dependent on Scheme requirements.


1 - Schools must not be aware of any impending withdrawal or expulsion of a Pupil which may give rise to a claim under this section
2 - Minimum absence period = Four consecutive days commencing from the first day of absence for a Pupil, or three consecutive days commencing from the first day of absence for a boarding Pupil.

The Pupils' and Staff Personal Accident, Pupils' Personal Belongings and School Fees Policies are arranged by Aon UK Limited and underwritten by Hiscox Insurance Company Limited.

Why not call us for a quote and find out how to take advantage of our extensive Scheme?

Call aon

0371 7052 211