has anyone claimed on school fees insurance?

[miggy]

DD (14) had an accident on a school trip at the weekend and has broken bones in her foot requiring a cast for about 6 weeks. Am peeved on her behalf as its a massive inconvenience for her, especially as we had lots of things planned for half term and have a beach/pool type holiday in 4 weeks. It was an accident at the end of the day but one that wouldn't have happened at home (teacher suggested piggyback race and dd joined because otherwise her friend wouldn't have had a partner, ironically ds was away with me elsewhere and was messing about with a mate doing exactly the same thing and I said "actually guys not a great idea someones going to get hurt" and they stopped!)

Half term this week but then problems will be that she wont manage the school bus, meaning a round trip of an hour twice a day to deliver her and once at school its a large site with old buildings and majority of lessons either up or down stairs.
Cant see stairs being an option as she cant manage them with casts and crutches even if alone, without the hazard of being jostled by other kids.Even the library is upstairs so couldn't even work there.
I feel its likely that if we get her to school she will do the odd lesson that's on the ground floor and then be left alone to do work somewhere. Frankly She would probably be better off at home.

We do pay school fees insurance and accident insurance and am just considering if its worth trying to make a claim or if they will say that she could in theory attend?
Will speak to school once open, just trying to get some ideas.

[Biscuitsneeded]

I'm sure your daughter won't be the first pupil to come in on crutches, and the school will have a plan of action. Where I teach, any child in such a situation is allowed to leave lessons 5 mins early with a friend in order to avoid the crush on the stairs/in the corridor. Do private schools not have to comply with the Disability Discrimination Act? They must, surely, have a means of getting people to other floors - what if it were a teacher in a wheelchair, for example? Is there honestly no lift? And since you say you are going on a holiday in 4 weeks' time (and presumably your daughter will be missing paid-for school time for that, unless private school terms are even shorter these days than I think they are!) isn't it a bit off to want to claim money for missed time now, when the money issue clearly isn't so important as to prevent you booking a holiday in term time!
I also don't think there's any mileage in the fact that the accident happened on a school trip. Accidents can happen anywhere and to anyone. I don't think a piggy back race is an especially foolhardy or irresponsible thing to do, as teenage high jinks go! I suggest you send her to school and ask the school to make it as easy as they can for her to get to as many lessons as possible.

[DeWe]

I cannot imagine that the school can't cope with someone in crutches. Fine go and discuss it, but they should be able to work it.

I was at a school that had been several old Vicorian houses with tiny steep staircases. They always coped fine, rearranging rooms and stuff, I can't remember any child missing out on any lesson other than PE, even one child who broke an arm and a leg, and was in a wheelchair because they couldn't manage crutches.

[kritur]

The school should carry out a risk assessment and make reasonable adjustments. So lessons that can easily be roomed on the ground floor can be swapped. It's likely the school actually has a lift even if you have never seen it, it's probably mostly used for moving boxes around.

[LIZS]

At dc school there always seems to be someone on crutches , loads of stairs as it is built on a hill, but they manage.

[miggy]

Biscuitsneeded-no, they do actually finish end of june, we go the next day, no missed school!
As I said will speak to school, issue is its not one building, lots of buildings spread over the site, am pretty sure no lifts but will be happy to be proved wrong :)

[Mutteroo]

We had to make a claim when my DD was unable to go on her year 6 trip. Can't recall the form filling being an onerous task & as we got our money back so it was worth doing.

[BoundandRebound]

It's sad that she's hurt herself but you are being rather OTT about this don't you think

She'll manage

[KnickKnacks]

Check your insurance - when my ds broke his arm in school playground, I tried to claim as he had to have it pinned and was in hospital for a week, then had to be at home as open cast for a week.

I had to take unpaid leave for this time. So same as you thought I pay insurance why not claim.

Turns out you can only claim if the injury is permanent not temporary - waste of time in my opinion. I have life insurance for the family that also pays out for permanent injuries.

I cancelled the school insurance the following term.

I have never seen an independent school with a lift. And often the buildings are listed spread over acres of land so feel your pain.

Sorry not to have more positive slant.

[Floggingmolly]

What do you mean, "could in theory attend"?
Of course she can attend, but even if she couldn't; why would you be entitled to compensation??
There's been no monetary loss, or permanent disfigurement.