OFF SITE ACTIVITIES INSURANCE

THE SCHEME

Trips organised in accordance with the LEA policy on Educational Visits and Journeys, and approved by the Head teacher or Principal will benefit from the Authority’s legal liability insurance protection for the employees and voluntary helpers involved in the running of the trip.

The legal liability policies held by the County Council take care of claims arising where there is any question of negligence on the part of the organiser and any volunteers.  Proof of negligence has to be established for a claim for damages to be successful and this may involve legal action by the injured person or his/her representative. 

In addition to legal liability cover we have for some years provided additional, optional, travel insurance for school visits. 

This new insurance package has been arranged by Cambridgeshire County Council in conjunction with Chubb Insurance and insures all members participating on a personal basis for cancellation expenses, personal accident and associated expenses and loss of personal effects.  It covers any organised school trip, journey or event outside the boundary of the school, or base in relation to pupil referral units or home tuition services.

This is an annual insurance that commences at the start of the school year.  Premiums are charged per pupil on the roll.  Each school will be issued with two travel cards; these must be managed and returned to a designated staff member at the end of each use.  You will be required to keep a travel record.

Where a trip is organised through an agency the tour operator may include a similar package in the inclusive cost of the trip, in these circumstances this insurance will not operate unless the tour operators insurance is declined at the time the booking is made. 

Full policy details are retained by the Insurance Section and are available on request.  Any specific queries should be addressed to the Section in the first instance.

Insurance@cambridgeshire.gov.uk

SUMMARY OF COVER

For worldwide Off Site Activities Insurance for any organised school trip, journey or event, outside the boundary of the school or base, in relation to pupil referral unit or home tuition service.

Additional Cover Benefits

The medical assistance services provided are:

Chubb Assistance also provides a range of additional services that are summarised below:

SUMMARY OF EXCLUSIONS – please see back page

Full details of the policy and its exclusions will be forwarded to you upon request.

THE COST

The cost is based on the number of pupils on the school roll at the start of the school year.            

Primary Schools –  per pupil                 20p        Special Schools – per pupil                   28p

Secondary Schools – per pupil             28p        Pupil Referral Units – per pupil             28p

HOW TO JOIN & ADMINISTER THE SCHEME

You must join this scheme before the start of the academic year.  We are unable to accept schools once the academic year has commenced.  Proposal forms must be received by July 1st.

Please complete the proposal form IRC/21.  On receipt of the form you will receive a certificate of cover and a travel record form and a travel card (unless already issued).

Travel Record – Each school will be required to record the Off Site Activities on the form IRC/22. This should be returned with your proposal for the next years cover.

insurance@cambridgeshire.go.uk.

Travel Card – Each school will be issued with two/ three travel cards.  The distribution of these must be managed within the school by the use of a log.  Cards must be returned to a designated staff member at the end of each activity.

MAKING A CLAIM

Claims should be reported to Chubb Insurance direct.

Contact details are:      

Chubb Insurance Company of Europe SA

106 Fenchurch Street

London EC3 5NB

Tel:  +44 (0) 20 7956 5000     Fax: +44 (0) 20 7956 5922

Email:    cahukclaims@chubb.com

The first notification of a claim to Chubb must include the following:

• Name of insured           = Cambridgeshire County Council
• Policy number               = 64793213

Emergency Assistance Whilst Abroad

The cover provided under this Policy extends to include a range of assistance services supported by a 24-hour help line.  In the event an Insured Person is travelling on an Insured Journey and requires assistance they should contact the emergency help line.

+44 208 762 8545 or alternatively by emailing medicalassistance@chubb.com

When using Chubb Assistance please make sure you have the following information available:

• The Insured Person’s name, & name of insured Cambridgeshire County Council, 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;
• The name of the Insured Person’s company, employer or organisation.

SUMMARY OF EXCLUSIONS

General Exclusions

In addition to the Special Exclusions for each Coverage Part, the following General Exclusions apply.

The Company shall not be liable for any Bodily Injury, loss or expense suffered as a result of:

• the Insured Person committing or attempting to commit suicide, or intentionally inflicting self-injury;

• the Insured Person engaging in flying or other aerial activity except as a passenger;

• the Insured Person engaging in active service in any of the Armed Forces of any nation;

• War within the Insured Persons Country of Permanent Residence or Country of Secondment;

• an Insured Person who has attained the age of 80 years, unless such Bodily Injury, loss or expense occurs during the Policy Period in which the Insured Person attains the age of 80 years.

Section 1.

In addition to the General Exclusions, the following Special Exclusions apply:

• any loss or expenses arising from sickness, disease, any naturally occurring condition, any gradually operating cause or post traumatic stress disorder, other than as a direct result of Bodily Injury caused by an Event;
• any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury;
• any loss or expenses arising from an Insured Person engaging in aviation as a pilot of a fixed wing or rotary propelled aircraft.

Section 2.

In addition to the General Exclusions, the following Special Exclusions apply:

• Any Emergency Repatriation Expenses incurred without the prior approval of Chubb Assistance;
• any hospital treatment provided on an in-patient basis, where the Insured Person has not made all reasonable attempts to obtain the prior approval of Chubb Assistance, obtaining approval atthe first opportunity thereafter;

• any expenses incurred for treatment that continued for a period of more than three (3) months from the date the expense was first incurred which are not notified and pre-approved by Chubb

       Assistance;

•  any expenses incurred by an Insured Person for treatment provided after Chubb Assistance, based on advice of a medical practitioner, has recommended the repatriation of the Insured Person to their Country of Permanent Residence or Country of Secondment;

•  any expenses incurred if an Insured Person who is travelling or intending to travel against the advice of a medical practitioner or for the purpose of obtaining medical treatment or medical advice;

• any expenses which are recoverable from any other insurance policy in the Insured’s or Insured Persons name or which can be obtained from any national insurance program which is applicable to the Insured Person;
• any expenses incurred after twenty four (24) months from the time the expense was first incurred;
• any amount specified in the Travel Benefit Specification as the excess in respect of each and every claim for Medical Expenses

Section 3.

In addition to the General Exclusions, the following Special Exclusions apply:

• more than the Single Article Limit in respect of any one article of Personal Property;
• loss of or damage to vehicles, their accessories or spare parts:
• loss of or damage due to moth, vermin, wear and tear, atmospheric or climatic conditions or gradual deterioration, mechanical or electrical failure or any process of cleaning, restoring, repairing or alteration;

• loss not reported to the police, transport carrier or other authority within forty-eight hour of discovery or where no attempt has been made to recover the item(s).

• loss due to confiscation or detention by customs or any other authority;
• the amount of Excess detailed in the Travel Benefits Specification in respect of each and every claim, except for any claim for Delayed Personal Property. Personal Property and claims resulting from the same Event shall be subject to a single Excess.

Section 4.

In addition to the General Exclusions, the following Special Exclusions apply:

• loss of Money from any unattended vehicle unless the Money was out of sight in a locked compartment;
• more than the Cash limit in respect of coins and banknotes:
• devaluation of currency or shortages due to errors or omissions during monetary transactions;
• loss due to confiscation or detention by customs or any other authority;
• loss arising from fraudulent use of a Credit Card or Charge Card unless the Insured Person has complied, where it was reasonably possible, with all the terms and conditions under which the card was issued:
• the amount of excess detailed in the Travel Benefit Specification in respect of each and every claim.  Claims resulting from the same event shall be subject to a single excess.

Section 5.

In addition to the General Exclusions, the following Special Exclusions apply:

• any expenses incurred if an Insured Person is travelling or intending to travel against the advice of a medical practitioner or for the purpose of obtaining medical treatment or medical advice;

• any loss which is insured under any other insurance policy;
• any loss arising from the cancellation or curtailment of an event held by the Insured, or a subsidiary or parent company thereof;

• any expenses incurred solely as a result of disinclination to travel or to continue the trip;
• any expenses incurred as a result of the Insured Person’s redundancy or the termination of their employment more than 31 days prior to an Insured Journey taking place;

• any expenses incurred due to the Insured’s or Insured Person’s financial circumstances;
• any expenses consequent upon the default of any provider (or their agent) of transport or accommodation or any agent acting for the Insured or the Insured Person;

• any expenses incurred as a result of regulations made by any Public Authority or  Government;
• any expenses due to strike, labour, dispute, mechanical breakdown or failure of the means of transport (other than disruption of road or rail services by avalanche, snow or flood) which existed or for which advanced warning had been given prior to the date on which the Insured Journey was booked;

• any claim for cancellation following delay to an aircraft or ship if the delay is due to withdrawal from service temporarily or permanently on the orders of any Port Authority or the Civil Aviation Authority or any similar body in any country;

• any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury;

• any loss or expenses arising from an Insured Person engaging in aviation as a pilot of a fixed wing or rotary propelled aircraft;

• expenses which the Insured has already budgeted to spend.

Section 6.

• any Legal Expenses incurred for the defence in any civil claim or legal proceedings made, brought by a third party against the Insured Person;

• any fines or penalties;

• any Legal Expenses incurred in connection with any criminal or willful act;

• any Legal Expenses incurred in the pursuit of any claim against a Travel Agent, Tour Operator,

• Insurer or their agents, which are eligible for consideration under an Arbitration Scheme or

Complaints Procedure.

• any claim or circumstance notified more than twenty four (24) months after the incident from which the cause of action arose.

Section 7.

In addition to the General Exclusions, the following Special Exclusions apply:Coverage under this Coverage Part shall not apply to personal liability for: 

• accidental loss or damage to property belonging to, held in trust by, or in the custody or control of the Insured, Insured Person, any of the Insured’s employees or any member of the Insured Person’s immediate family.
• Injury or illness to any member of the Insured Person’s immediate family;
• any injury, illness loss or damage arising directly or indirectly as a result of the ownership, possession or use of any mechanically propelled vehicle, aircraft or watercraft;
• any wilful, malicious or unlawful act;
• the carrying on of any trade, business or profession;
• any damages which should be more specifically claimed under any other contract of insurance in the name of the Insured &/or Insured Person;
• any damages resulting from venereal disease, sexually transmitted diseases, Acquired Immune Deficiency Syndrome (AIDS) or any AIDS related condition.
• any fines or penalties;
• liability arising out of the ownership or occupation of land or buildings;
• liability arising out of the rendering or failure to render advice;
• liability arising out of the actual, alleged or threatened contaminative, pathogenic, toxic or other hazardous properties of asbestos;
• damages, loss, cost or expense arising out of any:
  • request, demand,  order or regulatory or statutory requirement that any Insured or others that test for, monitor, clean up, remove, contain, treat, detoxify or neutralise, or in any way respond to, or assess the effects of asbestos; or
• claim or proceeding by or on behalf of a government authority or others for any damages, loss, cost or cleaning up, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the effects of asbestos;
• any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury;

• any loss or expenses arising from an Insured Person engaging in aviation as a pilot of

      a fixed wing or rotary propelled aircraft.