Simple, Automatic Cover when Staff Use Their Own Cars on School Business
Occasional Business Use (OBU) is often overlooked, yet it can expose schools to significant risk. We help schools put clear, compliant motor cover in place that reflects how staff and volunteers actually operate.
Do your staff, governors or volunteers ever use their personal cars for school-related tasks? Whether it’s attending a one-off meeting, responding to an emergency, or transporting pupils when the minibus isn’t available, personal motor insurance may not provide the cover required.
In these situations, the responsibility sits with the school. Motor Occasional Business Use (OBU) insurance provides a clear, compliant solution.
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A Practical Solution for Real-Life School Activity
Occasional use of personal cars is common in schools, and often unplanned. Motor OBU provides comprehensive motor insurance for ad hoc school business, ensuring schools can be confident motor insurance is in force, rather than relying on staff checking the coverage under their own private motor insurance. This ensures:
- The school meets its duty of care
- Staff and volunteers are properly protected
- Gaps in motor cover are avoided
- No day-to-day administration for the school
How The Policy Works
- The policy is arranged by the school, not the individual
- Cover applies to employees, governors and volunteers
- Individuals use their own cars
- Designed for ad hoc use, not regular business mileage
- Complements (rather than replaces) personal motor insurance
This provides schools with reassurance that appropriate motor cover is in place whenever it’s needed.
Clear, Transparent Pricing
Premiums are based on the number of full-time equivalent (FTE) employees, providing a simple and predictable cost structure. Annual premiums, including Insurance Premium Tax at 12%, as follows:
- Up to 20 employees - £308.00
- 21 to 40 employees - £506.00
- 41 to 60 employees - £655.00
- 61 to 85 employees - £891.00
- 86 to 99 employees - £1,243.00
- 100+ employees - £1,480.00
Designed to Reduce Risk and Admin
Motor OBU is particularly valuable because it:
- Removes reliance on staff personal motor policies
- Avoids accidental uninsured use
- Supports safer decision-making in urgent situations
- Reduces questions, checks and paperwork
It is a simple addition that can significantly reduce risk exposure.
Why School Bursars Choose Hayes Parsons
- Independent broker
- Dedicated Education service team with real sector knowledge
- Practical, proportionate advice for schools
- Clear policy structures and transparent pricing
- Ongoing support throughout the policy period
We work with schools to ensure motor risks are properly managed, without unnecessary complexity.
Speak to our Education Team
If you would like a quotation, or want to check whether your current arrangements provide adequate protection, our Education team would be pleased to help.
Ben Leah ACII
Director & Head of Education
Chartered Insurance Broker
0117 930 1675 | 07554 455 041
Emma Butcher ACII
Client Executive
Chartered Insurance Broker
0117 930 1657 | 07841 430 237
