Fire and Theft Cover

Members of NASUWT receive fire and theft cover free of charge within the cost of their Union subscription. The information below is a summary of the cover provided.

Cover provided

Loss or damage by fire and loss by theft in respect of the following items belonging to members of the Union:

  • Personal property and locked pedal cycles
  • Personal property pertaining to the teaching profession
  • Personal cash or that for which they are responsible

Benefits

For members who pay their subscription by Direct Debit or who have fully paid their subscription by any other means on or before 31st January each year the benefit levels are as follows:

  • For loss of personal property due to fire/theft, the limit is £300
  • For loss of money due to fire/theft, the limit is £250

For members who pay their subscription after 31st January each year and student members the benefit levels are as follows:

  • For loss of personal property due to fire/theft, the limit is £100
  • For loss of money due to fire/theft, the limit is £75

An excess of £15 each and every loss is set against the above benefits.

Geographical limits

Any school premises within Great Britain, Northern Ireland, Channel Islands, Isle of Man (IOM) and Gibraltar, including cover abroad in respect of members engaged overseas, catering for the children of British Forces Personnel. School premises shall be construed as the confines of any school, college or educational institution, including school playgrounds and playing fields.

Whilst on any officially organised school trip anywhere in the world for which specific trip insurance has not been arranged.

Conditions

All incidents of theft must be reported to the police immediately and an application notified in writing to the NASUWT within 30 days of the event. You will be required to disclose the crime reference number and the name and address of the police station on the application form.
 

Please note it is a condition that all ordinary and reasonable precautions are taken for the safety of the property insured and, as far as practicable, use should be made of all locks, bolts, fastenings and other means of securing the premises containing the insured property. Further, any cash or valuables left on school premises outside school hours should be secured in locked receptacles.

Losses from vehicles are excluded.

The Union only makes a payment when members have been unable to recover costs from the employer’s fire insurance.