NEU Insurance

As a member, you receive free insurance protection and cover for everything from personal accidents, to loss of or damage to property, including teaching equipment and personal effects.

  • Personal accident

    This policy provides compensation in respect of death or bodily injury resulting solely and directly from an accident caused by violent external and visible means. All members, other than retired and left profession members, paying the appropriate subscription, newly qualified members, student members, and members through schemes negotiated with other associations, are covered by this policy. The insurance provides cover for members 24 hours a day, at home or abroad.

    Death benefit*

    On Duty - £12,500

    Off Duty - £3,500

    Family Benefit

    2% of the Death Benefit (£250) for each dependent

    Funeral Expenses

    On payment of the Death benefit, insurers will indemnify the insured person's estate for the reasonable costs of a funeral up to a maximum of £5,000

    Capital benefits*

    E.g. loss of Limb or loss of sight

    On Duty - £12,500

    Off Duty - £3,500

    Coma Benefit*

    £50 per day for continuous unconsciousness up to 730 days

    Fracture Benefit*

    Depending on the nature of the injury you could receive a fixed amount, or a maximum of £5,000 for all fractures.

    Paraplegic and Quadriplegic*

    £50,000: Paraplegic or hemiplegic

    £75,000: Triplegic

    £125,000: Quadriplegic

    Medical expenses following workplace assault*

    £200 for 4 Weeks with a 1 Week excess in the event of an Insured Person sustaining Accidental Bodily Injury from unprovoked assault in their place of work while carrying out their usual occupational duties.

    Facial Disfigurement*

    Accidental Bodily Injury which within two years is the sole cause of permanent facial disfigurement.

    NEU Members could receive between £250-£1000.

    Rehabilitation Expenses Extension

    Up to £10,000 payable per member for rehabilitation expenses following a payment of Permanent Total Disablement

    Counselling Service Helpline

    £1,000 limit for a confidential service to help deal with personal issues following violent theft or assault

    Overnight Accommodation costs so relatives can stay nearby

    £100 per day up to a maximum limit of £700 / 7 days

    Cover for family members needing overnight accommodation following hospitalisation of a member. Cover applies where a stay exceeds 1 night

    *  Special conditions apply please contact insurance team for more information.

  • Dental policy

    Dental Policy*

    The cost of dental treatment incurred as a result of an Insured Person Accidental Bodily Injury sustained while engaged in their occupation as a School Teacher during the Period of Insurance which results in Permanent loss or damage to Permanent teeth or dentures

    Up to £500 in any one accident.

     *  Special conditions apply please contact insurance team for more information.

  • Hospitalisation

    This policy provides compensation of £50 per day (excess 24 hours) up to a maximum of 365 days for a member who has been injured as a result of an occupational accident which leads to that person being admitted to hospital as an in-patient. The policy includes accidents happening outside school so long as they occur in connection with school activity or NEU business. A journey to or from work is also covered. The policy is subject to certain exceptions. Please contact insurance team for more information.

  • Personal property

    Personal property belonging to members of the National Education Union, or pupils' personal property entrusted to them, is automatically insured under a collective policy taken out by the Union against loss or damage by flood, fire, theft or malicious act whilst on the school premises.


    Including sunglasses and contact lenses

    Sum insured up to £1000

    Excess £25


    Sum insured up to £500

    Excess £25

    Personal Possessions*

    Sum insured up to £750

    Excess £25

    Electronic and Wearable Technology*

    Sum insured up to £1000

    Excess £25

    Bicycles Including Accessories*

    Sum insured up to £1000

    Excess £25

     *  Special conditions apply please contact insurance team for more information.

  • Damage to motor vehicles in school or college premises

    Cover up to a maximum of £1500 for damage to motor vehicles to a member's private car or motorcycle while on school premises during the time the member is on school or Union business (excess £50). This enables members to protect their no claim discount for small damage claims by not approaching their motor insurers.

How to claim 

Personal accident

To claim, please email insurance@neu.org.uk or call 020 7380 4785


To claim, please email insurance@neu.org.uk or call 020 7380 4785

Personal Property:

To claim, download a claim form

Damage to Motor vehicle

To claim, download a claim form

 For more information please email insurance@neu.org.uk or call 0207 380 4785.

Related content

Workload CTA background
NEU Rewards

NEU Rewards is the programme of member benefits exclusive to members of the National Education Union.

recruitment blue
NEU member benefits

The National Education Union is run by its members for its members. Get involved in your union and you can help determine policy, play a key role in campaigning, attend events and conferences, and support your colleagues with issues at work.

we are neu composite
We are the NEU

Watch and share: our members tell the real story of the school cuts that are devastating schools and colleges - and why joining NEU is the way forward.

Page recruitment blue
NEU membership rates

We calculate your membership fees depending on your working hours and workplace role. Membership is free for students and greatly reduced for newly qualified and new members.