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Insurance for Schools

NB Some of the information set out below for schools is also relevant to private nurseries. As these nurseries operate as businesses, nursery owners may also find our section on Business Insurance helpful, which covers ‘business interruption’ and other issues businesses may face at this time.

We had a school trip planned abroad are we covered?

  • The Foreign, Commonwealth & Development Office currently advises British nationals against all but essential international travel. Travel to some countries and territories is currently exempted. This advice is being kept under constant review and travel disruption is still possible and national control measures may be brought in with little notice, so we would encourage you to check the Government's travel guidance.

  • Schools should always first seek a refund from the venue or tour provider, and then if needed, speak to their insurer to begin an insurance claim. 

We had a school trip planned in the UK – will we be covered for not going?

  • Schools should always first seek a refund from the venue or tour provider. For any cost that cannot be recovered schools should check the type and scope of their insurance cover. Claims will be paid where policy terms are met, however there may be Covid-19 exclusions in place for trips booked after the pandemic was declared. This is because insurance is primarily designed to cover against unforeseen risks that you did not know about at the time of booking.  
  • If the venue hosting a school trip can no longer do so because of official government guidance, the closure of the venue, or their reluctance to accept school trips due to their stated concerns about the spread of Covid-19, the school should seek a refund from the venue in the first instance before contacting your insurer.