Z
zag
Guest
mini-zag has just started school and amongst the pieces of paperwork to come home with him was a request from the school that the parents consider taking out Personal Accident Insurance through a group scheme. It doesn't cost much, so I have no problem paying for it, but I have just never come across it before.
They say that it covers situations where the school has been shown not to have been negligent - the PAI policy pays out in these instances instead of the school policy. Alternatively, many parents may simply feel it is easier to claim against their own policy instead of making a claim against the school and having to *prove* negligence agasint them.
I have a feeling that there is a certain element of keeping the schools premium down by being able to show that a large number of pupils have their own insurance.
Is this a normal part of the school expenses ?
z
p.s. I see those canny insurers are increasing the inclusions to exlude those popular activities - aeronautics and Military, Air Force or Naval service or full time employment. Sure if they can't be doing this type of stuff what can 4 year olds be up to ?
They say that it covers situations where the school has been shown not to have been negligent - the PAI policy pays out in these instances instead of the school policy. Alternatively, many parents may simply feel it is easier to claim against their own policy instead of making a claim against the school and having to *prove* negligence agasint them.
I have a feeling that there is a certain element of keeping the schools premium down by being able to show that a large number of pupils have their own insurance.
Is this a normal part of the school expenses ?
z
p.s. I see those canny insurers are increasing the inclusions to exlude those popular activities - aeronautics and Military, Air Force or Naval service or full time employment. Sure if they can't be doing this type of stuff what can 4 year olds be up to ?