Annual Travel Insurance Scheme for School Off and On Site Activities

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1 September 2010 Annual Travel Insurance Scheme for School Off and On Site Activities In line with the authority s commitment to deliver enhanced services to schools the Risk Management Team are delighted to promote the school annual travel insurance facility. The scheme will provide worldwide cover for all school activities both on and off site on renewable each October. We hope that your school will support this initiative, as it aims to: Achieve consistency in the way in which schools insure their activities Avoid the possibility of a school forgetting to arrange insurance Maximise the purchasing power of schools by negotiating discounted rates The annual premium is based on pupil numbers. For off-site cover only this is 25p per pupil for Primary schools and 35p per pupil for PRUs, Secondary and Special schools, inclusive of Insurance Premium Tax. This non-adjustable premium incorporates the following benefits: World-wide cover for all activities authorised/organised by the school outside of your boundaries (without the need to submit declarations) Premium based on pupil numbers, but cover also applies to staff, Governors & any other accompanying adult authorised to undertake a journey No premium loading or referral required for hazardous activities Cover extends to staff appraising potential venues, courses & conferences 24 hour international emergency assistance Assistance re: pre-travel advice on visa, driving & vaccination requirements and information on climate, currency, hotels, travel & healthcare facilities Summary of Cover / Schedule of Benefits as attached For off-site and on-site cover the premium is 40p for Primary schools and 50p for Secondary schools inclusive of Insurance Premium Tax. This non-adjustable premium incorporates all the benefits listed above and: Personal Accident cover for accidents that may happen within the school If you would like to arrange cover please complete the attached form and return to the Risk Management Team at the Shirehall. Produced by the Risk Management Team v2.0 Section 4 Page 1

2 Annual Travel Insurance for Schools Off-Site Activities Brief Overview Summary of Cover* The annual policy applies to off-site activities Covers journeys authorised/organised by the school outside of their boundaries Blanket non-adjustable premium (no loadings for "hazardous" activities, which are all automatically insured. Note: cover excludes flying other than as a passenger) Premium calculated on pupil numbers, although cover naturally extends to Governors, Teachers, Support Staff or other accompanying adult authorised to undertake a journey Schools may wish to recover insurance costs by adding a small levy to individual trips 24 hour emergency assistance via Mondial Assistance Assistance includes pre-travel advice on visa, driving and vaccination requirements and information on climate, currency, hotels, travel and healthcare facilities Cover provided by Chubb Insurance Company of Europe in association with Schools Advisory Service who are both authorised and regulated by the Financial Services Authority *This in only intended to be a summary of cover. A certificate wording and contact details for claims will be issued to each participating school and a copy of the full policy wording will be made available on request. On-Site Personal Accident Cover The Schools Advisory Service also offer on-site cover to provide Personal Accident cover for accidents that may happen within the school e.g. in the playground or during a home sports match. A premium of 15p per pupil can be added to the cost of the off-site cover. This would give a total cost for both off-site and on-site cover of 40p per pupil for primary schools and 50p per pupil for PRU's, secondary and special schools (inclusive of Insurance Premium Tax). Produced by the Risk Management Team v2.0 Section 4 Page 2

3 Schools Advisory Service Off Site Activities Insurance for Schools FAQ s Q. Which off site activities does the school need to insure? The policy arranged via Shropshire Council covers all activities organised by the insured school or centre outside of their boundary from a walk in the park to sports matches or activities abroad. Q. Can cover be provided for accidents within the school boundary? Yes, a quotation will be provided to extend the Personal Accident section to include a 50,000 benefit scale for on-site activities so home sports & activities can also be covered, if selected. Q. How much administration is involved? We simply need to know the number of pupils at the school that s it! The annual premium is based on pupil numbers and staff, governors & voluntary helpers are automatically covered under the policy (many schools recover the annual premium by applying a small charge to the cost of each activity). Q. Will I have to remember to notify insurers about each trip? No, the annual policy provides blanket cover for all off site activities anywhere in the world however we there are a few countries where insurers will only provide cover with prior notification: Afghanistan, Chechnya, Iraq, Israel (West Bank, Gaza & the occupied territories only), North Korea & Somalia. Q. Will I need to advise insurers every time that there is a change in staff/pupil numbers? No, cover applies for all off site activities regardless of the size of the party. Q. Will the policy also cover winter sports & are these charged at a higher rate? There is no additional premium charge for winter sports or hazardous activities (the only activities that you need to refer beforehand are flying other than as a passenger or use of other aerial devices). Q. Do I need to inform insurers of pre-existing conditions? Providing that an individual is deemed fit to travel i.e. not travelling against the advice of a medical practitioner, our policy will respond subject to the standard terms & conditions. If you are concerned about an unusual medical condition, then please contact us for further advice. Q. Will staff pre-visiting venues to approve suitability also be insured? Yes, and the policy will also cover staff on external courses/conferences. Q. Can advice be obtained regarding visa s or vaccinations? As part of the service, Chubb Assistance provides pre-travel advice on Visa s, overseas driving or possible vaccination requirements and information on climate, currency, travel & healthcare facilities. Visit and enter the Policy Number specified below as your Password. Q. What support is provided in the event of an emergency? Each insured school will receive a supply of emergency assistance cards so that trip leaders have access to 24-hour international assistance in the event of serious illness or injury. A separate serious incident counselling service is also available to those engaged on an off-site activity. Q. Which insurer provides the Schools Advisory Service Off Site Activity insurance cover? Cover is provided by Chubb Insurance Company of Europe S.E., (authorised & regulated by the Financial Services Authority) who already insure numerous schools & LA s in the UK. Q. Can we continue to follow our existing risk assessment process? Please continue to follow the guidance you receive from your LA, DFE or Outdoor Education Advisor. Schools Advisory Service is a trading name of Sovereign Risk Management Limited (Registered in England No ). Authorised and regulated by the Financial Services Authority. Registered Address: Clumber House, Clumber Street, Mansfield, Notts. NG18 1NU faq/key facts

4 Schools Off-Site Activities Here is a summary of the Cover provided by the Schools Off-Site Activities Policy, which is underwritten by Chubb Insurance Company of Europe S.E. and available through Shropshire County Council. Chubb Insurance Company of Europe SE is a European Company incorporated in England and Wales under Company number SE13 whose registered address is at 106 Fenchurch Street, London EC3M 5NB. Chubb is authorized and regulated by the Financial Services Authority. Chubb is listed on the FSA Register under registration number You can check this on the FSA a register by visiting the FSA s website or by contacting the FSA on A full copy of the Policy Numbered is available on request from your Local Authority Insurance Department. DURATION The Policy provides cover for pupils, teachers and any authorised accompanying adult or child in the event of injury or loss whilst on any trip authorised and organised by the school involving travel outside the designated school boundaries. Cover operates from the time of leaving the school boundaries until arriving back within the school boundaries for trips of less than one day s duration. For trips of more than one day s duration cover includes travel directly from the Insured person s home address to the place of official assembly at the commencement of the trip and travel directly from the official place of dispersal to the insured Person s home address upon completion of the trip. SIGNIGFICANT FEATURES AND BENEFITS Personal Accident - 50,000 for death ( 10,000 in respect of Children under the age of 16) and Scale of Benefits for loss of one or more limbs, loss of sight in one or more eyes, total loss of hearing in one or more ears, total loss of speech, permanent total and partial disablement. This benefit can be extended to apply to On-Site activities in consideration of an additional premium. Medical and Repatriation Expenses - up to 2,000,000 Overseas Search & Rescue Expenses up to 25,000 Travel Expenses up to 25,000 Compassionate Travel/Accommodation within the UK costs for up to 2 persons to be with an injured child, up to 500 In Patient Benefit up to 20 per day Chubb Assistance see details below Personal Property - up to 2,500 (limit 750 for any one article) Delayed Personal Property (after at least 6 hours) purchase of essential clothing or toilet items up to 750 Money up to 1,000 for Money (limit 500 for coins and/or banknotes) Passport indemnity - up to 750 Cancellation, Curtailment Rearrangement and Replacement Expenses up to 3,000 Travel delay up to 300 in respect of accommodation/and/or additional travel expenses as a result of the late arrival at intended destination by a minimum of 12 hours Hi-Jack and Kidnap per day up to a maximum period of 50 days Personal Liability up to 1,000,000 Overseas Legal Expenses up to 25,000 SIGNIFICANT EXCLUSIONS - (See General Exclusions and the Specific Exclusions under each section of the policy document) 15 excess in respect of Medical Expenses, Personal Property, Money, Cancellation and Curtailment. Insured Persons engaging in active service, war within the Insured Person s country of domicile, Insured Persons over the age of 80, Insured Persons traveling against the advice of a medical practitioner. Suicide or intentionally inflicting self-injury, engaging in aerial activity as a pilot of a fixed wing or rotary propelled aircraft. Any in-patient hospital treatment or emergency repatriation expenses incurred without the approval of Chubb Assistance. Loss of Personal Property not reported to the police, transport carrier or other authority within 48 hours of discovery or where no attempt has been made to recover the items. CANCELLATION The Policy may be cancelled by the Insured by giving the Company 30 days prior written notice. The Policy may be cancelled by the Company by giving the Insured 30 days prior written notice to the last known address of the Insured except that five days prior written notice will be given when cancellation is for non-payment of premium. Notice shall be made via recorded delivery. Schools Advisory Service is a trading name of Sovereign Risk Management Limited (Registered in England No ). Authorised and regulated by the Financial Services Authority. Registered Address: Clumber House, Clumber Street, Mansfield, Notts. NG18 1NU faq/key facts

5 CHUBB ASSISTANCE: Pre-travel advice and emergency assistance Phone: Local Authority: Shropshire Council Policy Number: Chubb Assistance is designed to provide pupils, teachers and other accompanying adults with advice and assistance should they become ill or sustain injury during a journey abroad. Chubb Assistance is manned 24 hours a day, 365 days a year by multi-lingual assistance co-ordinators, experienced in managing medical assistance cases with hospitals and clinics worldwide. Chubb Assistance has the resources to provide repatriation by air ambulance and scheduled services depending on the circumstances, this can include a fully qualified escort. Chubb Assistance includes a highly qualified team if medical consultants and nursing staff, on hand at any time to coordinate any medical assistance cases, arranging hospital admissions and ensuring that the most appropriate treatment is provided. Chubb Assistance has the ability to arrange direct billing with a network of hospitals and clinics worldwide, which guarantees the payment for treatment provided. When using Chubb Assistance please make sure you have the following information available: The name of the School and Chubb Assistance card number. The telephone or facsimile number where an insured person can be contacted. The Insured person s address abroad. The nature of the emergency or the assistance required. PLEASE REMEMBER The teacher/leader should always carry this Summary with them. Keep a separate record of the telephone and address. Give details to a travelling friend, relative or colleague just in case they are unable to make the call themselves.. Always contact Chubb Assistance before incurring substantial expenses. CLAIMS PROVISIONS In the event of a claim, the Insured should initially contact the Local Authority who will arrange to give notice by the most expeditious means to the following address: Chubb Insurance Company of Europe S.E., 106 Fenchurch Street, London, EC3M 5NB Telephone or - cahukclaims@chubb.com confirming the facts in writing, with as much information as possible and quoting the policy number. COMPLAINTS PROCEDURES Any complaint should in the first instance be addressed to the intermediary who arranged the Policy (Schools Advisory Service) or alternatively contact the Accident & Health Manager. Should the matter not be resolved to your satisfaction, write to the Managing Director of Chubb. They can be contacted at the following address: Chubb Insurance Company of Europe S.E. 106 Fenchurch Street London EC3M 5NB Telephone Should you remain dissatisfied you may have the right to refer the matter to the Financial Ombudsman Service at: 183 Marsh Wall London E14 9SR Telephone: Alternatively you may contact The Association of British Insurers (ABI) for assistance: The Association of British Insurer Consumer Information Department 51 Gresham Street, London, EC2V 7HQ Telephone Following these procedures will not affect your legal rights. LAW The Policy shall be governed by, and construed in accordance with, English law. FINANCIAL SERVICES COMPENSATION SCHEME Chubb subscribes to the Financial Services Compensation Scheme, This provides compensation in case any of its members, in specified circumstances, are unable to meet any valid claims under their policies. The first 2,000 of a claim is protected in full. Above this threshold, 90% of the remainder of the claim will be met (100% if the insurance is legally compulsory). Compensation will only be available to commercial customers in limited circumstances. Further information can be obtained from Chubb at the address above, or from the Financial Services Compensation Scheme at the following address: Financial Services Compensation Scheme, 7 th Floor, Lloyds Chambers, 1 Portsoken Street, London E1 8BN Tel: Schools Advisory Service is a trading name of Sovereign Risk Management Limited (Registered in England No ). Authorised and regulated by the Financial Services Authority. Registered Address: Clumber House, Clumber Street, Mansfield, Notts. NG18 1NU faq/key facts

6 When contacting Chubb Assistance, please make sure you have the following information available: - The name of the Insured Person - The telephone or facsimile number that the Insured Person can be contacted on - The address where the Insured Person is located abroad - The nature of the emergency or the assistance required - The name of the Employer of the Insured Person The Medical Assistance services provided are: Medical Advice Repatriation Medical Referral Emergency Medical Supplies Direct Billing CHUBB ASSISTANCE The cover provided under your policy includes a range of Medical and Travel Assistance services, supported by a 24 Hour Emergency Helpline. In the event an Insured Person is travelling on an Insured Journey and requires assistance, the Emergency Helpline can be contacted by telephone or Telephone Number +44 (0) Address Your Policy Number Chubb Assistance can provide Medical Advice over the telephone to an Insured Person during an Insured Journey on a wide range of medical conditions by providing access to its team of qualified Medical Staff, 24 hours a day/365 days a year. Chubb Assistance can provide repatriation by air ambulance, scheduled air services and/or surface transportation depending on circumstance - with a fully qualified medical escort if necessary. Chubb Assistance can provide contact information relating to local hospitals and Qualified Medical Practitioners to an Insured Person requiring Out-Patient Medical or Dental treatment during an Insured Journey. Chubb Assistance can assist in locating and forwarding medicine or equipment that is required in the treatment of an Insured Person during an Insured Journey that is unavailable locally. Chubb Assistance has the ability to arrange direct billing with a network of hospitals and clinics worldwide to guarantee payment for the medical treatment provided. Under your Travel Cover the helpline number & & website addresses below provide access to pre-travel advice & emergency medical assistance. Helpline: +44 (0) medicalassistance@chubb.com Your Policy Number: When calling please have available a contact number, your precise location & the name of any attending doctor. When accessing the Website, your Policy Number is the password medicalassistance@chubb.com (Shropshire Council - Schools) The Travel Assistance services provided are: Travel Both in preparation for or during an Insured Advice Journey, the Insured Person has access to a wealth of helpful and relevant medical and travel information on the Chubb Assistance website including: Country Guides providing detailed information relating to vaccination and visa requirements; local contact information for emergency services and embassies; advice concerning the local security situation and other information that will be of use to the traveller. Legal Referral Lost Travel Documents Lost Luggage Emergency Message Translation The website address is The Policy Number shown in the Insuring Agreement of this Policy and in the card below is the password. Alternatively, the Insured Person can contact Chubb Assistance by telephone on +44 (0) to request similar advice. Chubb Assistance can provide the contact information of local lawyers to an Insured Person requiring legal assistance during an Insured Journey. Chubb Assistance can assist in replacing travel tickets; credit and debit cards; passports, visas or other travel documents that are lost or stolen during an Insured Journey. Chubb Assistance can assist in locating and retrieving luggage that has been lost or stolen during an Insured Journey. Chubb Assistance can provide the facility to forward on messages to family and business colleagues in an emergency. Emergency Chubb Assistance can replace up to 2,000 Money of Money lost, stolen or damaged during an Insured Journey. Emergency Travel Chubb Assistance can coordinate travel and accommodation arrangements for friends and family members of an Insured Person requiring In-Patient Medical treatment during an Insured Journey and/or arrange the safe return home of any minor Child who is left unattended following a situation where an Insured Person requires In-Patient Medical treatment; repatriation; or has died. Chubb Assistance can provide personal Services telephone translation services to an Insured Person during an Insured Journey in the event of an emergency, or assist in arranging local on-site interpreter services where required. Cover is underwritten by Chubb Insurance Company of Europe SE. This information is descriptive only. The precise cover provided is subject to the terms and conditions of the policy as issued. Chubb means member of the Chubb Group of Insurance Companies.