Free comprehensive insurance cover from personal accidents to loss or damage to personal property, including teaching equipment, whilst undertaking your role as an education professional.
Through your membership of the NEU, you may be entitled to financial assistance in the event of the following occurring whilst at work.
Members must notify the NEU insurance team of any event which may result in a claim no later than 60 days after the event.
Personal property belonging to members of the NEU is automatically covered under a collective insurance policy against accidental loss, destruction or damage by flood, fire, theft or malicious act whilst in school premises or educational establishment whilst undertaking your role as an educational Professional.
Special conditions apply, see form below.
| Money | Sum Insured up to £500 with an Excess of £25 |
| Personal Property | Sum insured up to £750 with an Excess of £25 |
| Eyewear | Sum insured up to £1,000 with an Excess of £25 |
| Electronics & Wearable Technology | Sum insured up to £1,000 with an Excess of £25 |
| Bicycle (including accessories) | Sum insured up to £1,500 with an Excess of £25 |
This policy provides for the cost of repairing damages to members' private motor vehicles or motorcycle whilst on school premises or an educational establishment. This policy also covers members who are on Union business at any educational establishment. The motor vehicle must be parked with the boundaries of school premises or an educational establishment. This enables members to protect their no claims discount for small damage claims by not claiming off their own insurance policy. Please note, special conditions apply – see form.
Members of the NEU have access to a comprehensive personal accident insurance policy.
All claims must be completed and settled within 2 years from the date of incident.
Dental and Fracture Claim must be completed and settled within 1 year from the date of incident.
Please note, special conditions apply.
| Hospitalisation Benefit | |
| Cover for an occupation accident resulting in member being hospitalised for more than one day. | How to apply Please email [email protected] with the following information:
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| Fracture Benefit | |
This policy only pays out for one fracture per incident following an occupational accident as listed below. Hip or pelvis (exudes coccyx or thigh) Femur or heel Skull (excludes jaw and nose), lower leg, collar bone, ankle, elbow, upper or lower arm (including the wrist but not collies’ fracture) Spine (vertebrae but excluding coccyx) | How to apply Please email [email protected] with the following information:
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| Medical expenses following a workplace assault Benefit | |
| A cover in event of a member sustaining injury from unprovoked assault at their place of work whilst carrying out their usual occupational duties and results in them incurring a charge. Please note, the incident must be reported to the school as an assault. | How to apply Please email [email protected] with the following information:
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| Dental Benefit | |
The Union provides cost of dental treatment incurred for members who suffered accidental bodily injury whilst engaged on their occupation during the period of insurance which results in permanent loss or damage to permanent teeth or dentures. Claim must be made within 1 year of the incident. | Please email [email protected] with the following information: Date of accident Where it happened How it happened Who was the incident reported to If and what medical assistance was required. |
| Accidental Death Benefit and Funeral Cost | |
Any member of the NEU who was in employment and had an up- to- date membership at the time of their death is automatically insured in event of accidental death, either at work or travelling to or from work. If you are unsure of what is meant by “accidental death” in this context, the following examples give an idea of what is covered and what is not covered under the policy. Example 1 – Accident causing death – Claim would be paid During the course of her school day, Mrs Matthews lost her balance and slipped down the stairs causing severe injuries. Unfortunately, Mrs Matthews later dies due to her injuries caused by the fall at work. After confirming that death was a direct result of an accident and none of the cover exclusions apply the claim would be paid. Example 2 – Death due to an illness – Claim would not be paid Mrs Brown has been diagnosed with cancer. Over the coming months her health deteriorates rapidly and eventually it takes her life. This claim would not be paid because Mrs Brown’s death is a direct result of the cancer which is an illness and did not cause an accidental death. Example 3 – Illness causing an accident – Claim would be paid Whilst driving, Mr Patel suffers a stroke and crashes his car resulting in serious injuries. A medical professional confirms the stroke was quite mild and he could make a full recovery. However, unfortunately, Mr Patel later dies from his injuries caused by the car crash. After confirming that death was a direct result of an accident and none of the cover exclusions apply, the claim would be paid. A payment can also be made an event of accidental death in respect of non-work-related death. Funeral expenses can be claimed after a member’s accidental death as described above. | Please email [email protected] with the following information: Date of death Cause of death Is the death certificate available. Please email copy. Your relation to the deceased member |
| Capital Benefit | |
| Members are covered for compensation in respect of permanent disablement following an occupation accident. The amount will be dependent on if the incident occurred on or off duty | Please email [email protected] with the following information: The nature of disablement Date of incident Where it happened How it happened What is a permanent disablement Who was the incident reported to |
| Rehabilitation Expenses | |
| Members can claim for this benefit to assist in rehabilitation expenses following a permanent disablement payment | Please email [email protected] with the following information: Date of accident Where it happened How it happened Type of permanent disablement Who was the incident reported to |
| Facial Disfiguration | |
| Cover for accidental bodily injury, which within 2 years, is the sole cause of permanent facial disfiguration with visible scar tissues. Insurers will pay out depending on length of scar | Please email [email protected] with the following information: Date of incident Where it happened How it happened Length of scar Who was the incident reported to |
| Paraplegia or Quadriplegia | |
| Cover for accident resulting in member becoming Paraplegic, Hemiplegic, Triplegic or Quadriplegic following an occupation accident | Please email [email protected] with the following information: Nature of accident Date of accident Where it happened How it happened Who was the incident reported to |
| Coma Benefit | |
| A cover for continuous unconsciousness up to 730 days following an occupation accident | Please email [email protected] with the following information Date of accident Where it happened How it happened How many days in coma |
| Overnight accommodation cost to support relative stay nearby | |
| Cover for family members needing overnight accommodation following hospitalisation of a member in an event of an occupation accident. Cover only applies where a stay exceeds 1 night | Please email [email protected] with the following information Date of incident Where it happened How it happened Relation of member needing overnight stay |
