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You are here: Home / Schools and Education / Business Services (Schools and Education) / Finance (Schools and Education) / Internal Insurance Fund (Schools and Education)

Internal Insurance Fund (Schools and Education)

Our internal insurance fund covers against uninsured losses for which the school is responsible 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:- claims will not be accepted if we are NOT notified of the initial incident within 30 days of the occurrence.

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, and any damage caused as a result of poor property maintenance, is not covered. Theft of lead from roofs is 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 county council contracts or as bound by schools’ standing orders.

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.

 

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