There are two main options available for schools when obtaining insurance cover for devices.
Schools should consider linking in with ALARM, the ‘Association of Local Authority Risk Managers’. ALARM should be able to give risk management advice in terms of school tablets and advise of any insurance schemes that are available to cover these on an “All Risks” basis and in line with what is required.
Contact the schools Local Authority Insurance Department (which is usually headed by an Insurance Officer). They will be able to advise of schemes in place to cover school devices in that borough and premiums, cover schedule, risk management and general advice.
- Are claims dealt with on a repair or replace basis? A replace model will usually have a much quicker turnaround as the damaged unit is simply replaced with a new or refurbished unit. A repair model means that the school will be without the device for the duration of the repair, unless there is a loan unit facility in place.
- Does the insurer operate an end to end claims process or does it expect the school to source the repair/replacement. If the school is expected to source the repair/replacement this can be time consuming and costly as it would involve the school initially meeting the claims costs and then awaiting reimbursement from the insurer.
- What is the warranty period on any device repaired or replaced.
- What impact does making a claim have on future claims? Is there a claims limit, either monetary or quantity?
- Risk management & loss prevention – does the insurer require any specific measures to be applied either pre or post claim. Schools should also monitor claim types and identify any patterns and introduce measures to address. This will assist with future costs of cover.
- Which perils are covered e.g. theft, loss, accidental damage, malicious damage, liquid damage, breakdown, unauthorised data use (sim enabled devices only)?
- Which perils are excluded? ‘All risks’ will cover all perils except those which are specifically excluded. These exclusions should be checked and understood before purchasing cover.
- Breakdown cover is not normally provided under ‘all risks’ but may be an important cover for the school as manufacturer warranties are usually limited to a maximum of 2 years.
- What is the excess payable on each claim?
- Loss prevention conditions – does the insurer require any specific loss prevention measures to be applied e.g. the fitting of cases from specific manufacturers
- Content control and anti-virus measures should be in place as most insurance will exclude software problems, data downloads and malware such as viruses, worms, spyware, adware or Trojan Horses
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