The EIS has arranged insurance policies for the benefit of the membership. Full details of cover, limits and excesses are available from your EIS Representative/Branch Secretary.
Nothing stated in the following paragraphs can override the provisions of the actual policies.
Personal Effects Insurance
£500 in respect of any loss (except money)
£50 in respect of cash , banknotes, cheques or securities for money
£750 in respect of all losses in any one period of insurance
Exceptions and excesses: Please contact your EIS representative
This policy covers loss, destruction or damage caused by Fire or Theft to personal belongings at educational establishments within Scotland and at premises owned or rented by the Institute. Cover is also provided for accidental damage (not fire) occurring at any time while the member is in the course of their duties including voluntary duties associated with school/college activities.
This is an indemnity policy and does not operate on a new for old basis. This policy only operates if a claim is not made under any other insurance policy covering the same damage. Cash outwith normal hours must be kept in a lockfast place.
Malicious damage to Motor vehicles
£500 in respect of any one claim.
Exceptions and excesses: Please contact your EIS Representative/Branch Secretary
This policy covers any private motor car, motor cycle (including their accessories) licensed for road use or pedal cycle and belonging to an EIS member or their spouse. These vehicles are insured against malicious damage occurring within the boundaries of any school/educational premises or parked in the street within a radius of 250 metres whilst the member is in attendance at such premises in the course of their duties or on Institute business. Cover also extends to adjacent official car parks which are the property of employers of EIS members and have been designated for use by members for parking purposes while in attendance at such premises in the course of their teaching duties or the business of the Institute.
Members may also claim reimbursement of a policy excess applicable under the member's own motor insurance policy provided the incident which occurred falls within the policy cover.
Accidental damage (with the exception noted below), damage caused during theft or attempted theft or loss of belongings are specifically excluded. Cover for damage caused during any unreported accidental damage when the Third Party cannot be traced can be included (check with EIS Representative/Branch Secretary for full details).
Third Party Insurance
The current Limit of Indemnity is £2,000,000.
Under this scheme, members are insured in respect of their legal liability, free of costs, against any claims which may be made against them for injuries to any person or damage to property by students when in their charge, during normal official duties or during extra-official duties such as excursions and organised games in which they take part as supervisors outside their officially recognised hours of duty.
The current capital sum payable for accidental death is £4,000.
Cover is provided against accidental bodily injury which solely and independently of any other cause results in death or personal injury. The policy operates regardless of whether the accident took place while on duty or not but not while engaged in a hazardous pastime or in aviation other than as a passenger in a fully licensed passenger carrying aircraft, and covers death, loss of eyes and/or limbs and total and permanent disablement.
Our Promise of Service
Our goal is to give excellent service to all our customers but we recognise that things do go wrong occasionally. We take all complaints we receive seriously and aim to resolve all our customers’ problems promptly. To ensure that we provide the kind of service you expect we welcome your feedback. We will record and analyse your comments to make sure we continually improve the service we offer.
What will happen if you complain
- We will acknowledge your complaint promptly.
- We aim to resolve all complaints as quickly as possible.
Most of our customers’ concerns can be resolved quickly but occasionally more detailed enquiries are needed. If this is likely, we will contact you with an update within 10 working days of receipt and give you an expected date of response.
What to do if you are unhappy
If you are unhappy with any aspect of the handling of your insurance we would encourage you, in the first instance, to seek resolution by contacting Stephen Boyd, Operations Director, Towergate Insurance, 150 St Vincent St, Glasgow, G2 5NE. 0844 9806800. Stephen.email@example.com
If you are unhappy with the outcome of your complaint you may refer the matter to the Financial Ombudsman Service (FOS) at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
0800 023 4567 (free from landlines) or
0300 123 9123 (free from most mobile phones)
Or simply log on to their website at www.financial-ombudsman.org.uk.
Whilst we are bound by the decision of the FOS, you are not. Following the complaints procedure does not affect your right to take legal action.