The internal insurance fund covers the schools under our insurance Service Level Agreement (SLA) against losses which sit outside of the usual policy fire, lightning, explosion, aircraft and riot perils such as damages arising from flood, malicious damage, theft and accidental damage.
We will:
- provide claim forms on request
- process all claims made
- ensure school budgets are reimbursed for expenditure above “excess” level
- provide advice on policy cover and any other insurance matters
Important note: Please submit claims within 30 days of occurrence. Our insurers require timely notification and evidence of damages within this time frame. In the absence of exceptional circumstances, we will not be able to accept the claim and process outside of this requirement.
Features of policy
Risks covered include all contents within the building or secure metal container within the school grounds (excluding wooden sheds and playground equipment). Cover also includes internal decoration, fixtures and fittings and glazing for which the school is responsible.
Reinstatement will be on a like-for-like, not new for old basis, for damage caused by fire, flood, malicious damage or theft.
For the avoidance of doubt, storm damage only relates to damage caused by gale force winds. Damage caused by snowfall is not covered. Any damage caused as a result of poor property maintenance is also not covered. Theft of lead from roofs is also excluded from this policy.
Cover includes instances where equipment is in possession of school staff or pupils for authorised purposes away from school but does not cover theft from unattended vehicles.
Replacement equipment etc to be subject to our contracts or as bound by schools’ standing orders.
Note: only if the school has our IT equipment/copiers etc, is it covered by our insurance. The school should make alternative insurance provision for items which are not provided by us.
School responsible for ‘excess’ in respect of each and every incident.
Incidents of theft, malicious damage to be reported to police within 24 hours (or, if at weekend, as soon as possible)
Property belonging to staff or pupils is not covered by the policy.
For further information, visit Durham Schools Portal: finance, insurance and procurement – insurance.