Pupil Personal Possessions

Covers a child's personal possessions at school, on journeys to and from school, and on organised trips.

 

It is a fact of life that our children's possessions get lost and broken and funding an independent education is expensive enough without those additional costs.

The SFS Group Personal Possessions Insurance Scheme covers the loss, theft or damage to all of your child’s clothing or personal possessions whilst at school, on the direct journey to and from school, or on official school trips.

In this policy you can choose the amount you wish to insure. For example, if your child has lots of less expensive items and no 'big ticket' items, such as computers or expensive musical instruments, you may choose the lowest level of cover at £500. This attracts a premium of £8 per term.

If, however, there are some larger items that you wish to insure valued at more than £500 then you may choose to take out a policy for £1,000, £1,500, £2,000 or £3,000 but you must provide specific information on all those items valued at more than £500. In addition one mobile phone and one laptop/computer must be specified if you wish to insure them.

The larger the amount you self insure (the excess) the lower the premium. There is a standard minimum amount of £20 on the £500 policy, but there is a choice of £50 or £100 on the more expensive policies which reduces the premium you pay.

Cost of cover per child per term

Total sum insured per claim

Excess

Premium

£500
Only a mobile and a laptop need be specified

£20

£8

£1,000
A mobile phone, a laptop and any item valued over £500 must be specified

£20

£15

£50

£12

£100

£10

£1,500
A mobile phone, a laptop and any item valued over £500 must be specified

£20

£20

£50

£16

£100

£14

£2,000
A mobile phone, a laptop and any item valued over £500 must be specified

£20

£24

£50

£20

£100

£16

£3,000
A mobile phone, a laptop and any item valued over £500 must be specified

£20

£30

£50

£25

£100

£21

Excess for Mobile Phones and Laptops

  • The compulsory excess for any claim made for a mobile phone is £50.
  • The compulsory excess for any claim made for a laptop is £100.

Please note:- The policy excess you have chosen will remain for all other items included within your Total sum insured.

Claims Administration

All claims will now be handled by Adjusting Associaties LLP, a firm of Loss Adjusters who have a long standing relationship with our insurer, Novae Syndicates Ltd.  If you wish to make a claim, you should still contact SFS Group Ltd for a claim form.

Exceptions

As is usual there are certain things the Insurer will not pay for. These are:

  • Damage caused by moth, vermin, wear and tear;
  • Damage from electrical or mechanical faults or breakdown;
  • Damage to, or deterioration of, any article caused by dyeing, cleaning, repair, renovation or whilst being worked upon;
  • Breakage of strings, reeds or drumheads forming parts of musical instruments;
  • Breakage of any sports equipment whilst in use;
  • Cash, currency, credit cards, animals, motor vehicles, contact, corneal or micro corneal lenses;
  • Accidental damage to tapes, records, cassettes, disks, or computer software;
  • Any consequential loss, e.g. the loss of valuable study work as a result of damage to you computer;
  • Loss or damage to bicycle tyres, lamps and accessories unless the bicycle is stolen or damaged at the same time;
  • The theft of a bicycle unless it was locked to an immoveable object or kept in a locked building at the time of the theft;
  • Any equipment, integrated circuit, computer chip, computer software and any other computer related equipment that fails to recognise correctly any date change;
  • More than one mobile phone and laptop per policy or any mobile phone or laptop which has not been specified;
  • The first £20 of each and every claim; or the first £50 or £100 of each claim if chosen by you;
  • All unspecified items valued at over £500;
  • Claims arising during school holidays unless the item(s) were left in a locked room at school.

Cover commences on the date we receive the first term's contribution and the application form.

Added General Exclusions

This insurance does not cover direct or indirect loss or damage to any property caused by, contributed to or arising from the following:

Radioactive contamination from:

  • Ionising radiation  or contamination from any nuclear fuel, or from any nuclear waste arising from burning nuclear fuel; or
  • The radioactive, toxic, explosive or other dangerous effect of any explosive nuclear equipment or part of that equipment.

War, invasion, civil war, revolution, acts of foreign enemy, hostilities (whether war declared or not), rebellion, insurrection, military or usurped power.

Pollution or contamination of air, water or soil, unless the pollution or contamination is directly caused by an event which is sudden, identifiable, unintended and unexpected. The whole event must happen at a specific time and place during the period of insurance.

We will not cover claims arising from pollution or contamination which happen as a result of deliberately releasing substances, or as a result of leaks, other than water or oil leaking or spilling from the schools fixed water or heating systems.

Wear and tear, corrosion, rot of any kind, woodworm, fungus, mildew, rust, insects and any cause that happens gradually.

Indirect loss of any kind.

Biological or chemical contamination due to or arising from:

  • Terrorism; or
  • Steps taken to prevent, control or reduce the consequences of any suspected, threatened or attempted terrorism.

In this exclusion, terrorism means any act of any person or organisation involving:

  • Causing or threatening harm; or
  • Putting the public or any section of the public in fear

If it is likely that the purpose is of a political, religious, ideological (of an intellectual or rational nature) or similar nature.  

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