Clear, Practical Pupil Insurance Schemes
Simple for schools to run, easy for parents to understand
Pupil Insurances for Independent Schools
Clear, well-structured pupil insurance schemes for independent schools, designed to be simple to run and easy for parents to understand.
Pupil insurance provides financial protection following injury, illness or loss, even where the school is not legally liable. Independent schools use pupil insurance to reassure parents, reduce disputes after incidents, and provide a consistent framework for managing expectations.
Hayes Parsons helps schools implement practical, low-admin pupil insurance schemes that sit neatly alongside their wider education insurance programme. We support schools with:
- Clear parent-facing summaries and guidance
- Advice on inclusive versus opt-in structures
- Alignment with your wider insurance programme
- Ongoing support throughout the policy year
Already have pupil insurance? We can review your current arrangements to ensure pricing, benefits and scope remain appropriate.
A Practical, Pupil-First Approach
Pupil insurance arrangements should support your school, not add complexity. They are widely used by independent schools as a proportionate, low-administration solution. We work with schools to ensure cover is:
- Relevant to your pupils and activities
- Clear and easy for parents to understand
- Straightforward for staff to administer
- Aligned with your wider insurance programme
Personal Accident (Inclusive)
Personal Accident insurance provides cover for accidental bodily injury resulting in death or permanent disability and benefits for certain fractures. This cover is inclusive and applies automatically to all pupils.
Key Features
- Inclusive cover for all pupils
- 24-hour, worldwide cover or worldwide school activities only
- Optional dental treatment following an accident
- Different options for pupils and staff
Benefit levels and annual premiums per pupil (including Insurance Premium Tax at 12%)
24-hour cover
- £1,000,000 maximum benefit: from £12.54
- £600,000 maximum benefit: from £8.66
School activity only (Boarders)
- £1,000,000 maximum benefit: from £9.06
- £600,000 maximum benefit: from £6.27
School activity only (Day pupils)
- £1,000,000 maximum benefit: from £7.00
- £600,000 maximum benefit: from £4.90
Fees Return (Opt-in)
Fees Return insurance allows parents to receive a pro-rata refund of school fees where a pupil is absent due to injury or illness.
Key Features
- Opt-in arrangement for parents, procesed termly or annually
- Covers absences from school which last more than 5 consecutive days
- Maximum benefit period is 3 terms
- Absences lasting less than 14 consecutive days require no medical certification
- Simple easy to explain, structure
Cost
- 0.64% of Insured Fees
Pupils’ Personal Property (Opt-in)
Pupils’ Personal Property insurance covers personal belongings while at school, on school trips, and in transit.
Key Features
- Opt-in cover for parents
- Protection for loss or damage to personal belongings
- Options with or without mobiles and smartphones
Termly premiums per pupil (including Insurance Premium Tax at 12%)
- Maximum benefit up to £2,500: from £5.87
- Maximum benefit up to £5,000: from £7.35
Claims Support When it Matters Most
When an incident occurs, our Education team provides clear, responsive claims support, helping schools and parents navigate the process efficiently and with minimal disruption.
Why School Bursars Choose Hayes Parsons
- Independent broker
- Dedicated Education service team with real sector knowledge
- Access to mainstream and specialist insurers
- Clear advice, transparent pricing and practical implementation
Speak to our Education Team
If you would like a quotation, a review of your current pupil insurances, or advice on introducing cover, 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
