Eligibility
Who is covered
Cover depends on the category of person and the activity. Check the scheme terms for the definition that applies.
Personal accident cover for school activities
An overview of how personal accident protection fits within the DfE Risk Protection Arrangement, and how to check whether an activity is covered.
Key points to know
Personal accident cover pays benefits when an individual is injured in an accident linked to a specified activity. Scope and benefit levels are set out in the scheme terms, so always check the current wording before relying on it.
- Cover is linked to the scheme's stated terms and the activities they describe.
- Eligibility depends on the person's role or status, such as employee, volunteer or pupil on an approved activity.
- Pre-existing conditions and excluded activities may limit or remove cover.
- Records of consent and supervision help to show that an activity was approved.
Making a personal accident claim
Prompt reporting and complete records help the scheme process the claim without delay.
Step 1
Secure medical care
The injured person's health comes first. Ensure they receive appropriate treatment and keep the medical records or discharge notes that follow.
Step 2
Write up the accident
Record the date, time, location, activity being undertaken and the names of supervising adults and witnesses while details are fresh.
Step 3
Submit the claim
Send the completed claim information to the scheme. Include the activity approval and any consent forms that apply.
Step 4
Follow up on progress
Keep a note of reference numbers and dates of contact. Respond promptly to any requests for further information.
Check the activity before it starts
Before any activity, confirm that it is approved, that supervision ratios are met and that the participants have the consent they need. Cover questions are much easier to resolve when this is done in advance.
Common questions about scope
Activities
Which activities count
Some sports and higher-risk pursuits may be excluded or need separate approval. Ask before booking.
Health
Existing conditions
Pre-existing injuries or conditions can affect a claim. Record any known condition in the participant's file.
Supporting images
Questions and answers
Cover depends on the scheme terms and the activity involved. Do not assume automatic protection for every event; check the membership pack first.
Eligibility for volunteers is set by the scheme terms. Ask the RPA team to confirm before the activity takes place.
Planning a trip or activity? Check the scope with us first. Contact the RPA team or review the membership pack.