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Insurance

Discussion in 'Private tutors' started by adurling, Apr 10, 2019.

  1. adurling

    adurling New commenter

    Hi Everyone,

    Just looking for peoples opinions, I work full-time self-employed as a private tutor in peoples homes. I have three kinds of insurance

    Public liability insurance
    income protection insurance
    life insurance - this is more related to my house

    I am aware that I'm spending close to £100 a month on these and am not sure about when, or whether I would be able to claim on them should a situation arise

    I wondered what other people have? if any?

    Thanks!
     
  2. phatsals

    phatsals Occasional commenter

    You need to read your policy details carefully, ie does your income protection only pay if you're seriously ill over a prolonged spell? I can't see it covering unemployment as you're self employed so is it worth it?

    I'm only thinking of that one as the others shouldn't be very expensive.
     
  3. catbefriender

    catbefriender Lead commenter

    If you're with a teacher's union they usually have great deals which are a lot cheaper.
     
  4. parseltongue

    parseltongue New commenter

    I second the need to read your income protection cover carefully - unless you can prove you make a set amount each month, and have a serious long term condition, they are unlikely to pay out for self employed workers.
    Have you shopped around for public liability? I had a quite for £40 per year.
     
  5. Rott Weiler

    Rott Weiler Star commenter Forum guide

    Public liability should be quite cheap and protects you if you damage someone's property or injure someone. You could end with a claim against you for £millions so keep the policy. Shop around though, cover is fairly similar from most insurers but costs - particularly their minimum premiums - can vary. See if your union offers a good deal.

    The income protection policy is likely to be the expensive one. They are notorious for small print that excludes many claims. Do as others have advised and check it very carefully. Many do not protect self-employed people or have very restrictive conditions for them.
     
  6. briancant

    briancant Occasional commenter

    I really can't see the need for insurance. I just go to peoples houses and help their kids. Why would I need insurance? How am I going to be responsible for injuring someone teaching maths? If I were teaching skydiving or fencing I could understand it. There is a myth that anyone can be sued for a ridiculous amount of money for no reason. It just isn't true. Only insurance companies benefit from these policies.
     
    langteacher likes this.
  7. Kateray1

    Kateray1 Occasional commenter

    I am looking at professional indemnity.

    I don’t have any others.
     
  8. Rott Weiler

    Rott Weiler Star commenter Forum guide

    Why? What exposure to PI claims have you identified?
     
  9. Kateray1

    Kateray1 Occasional commenter

    Just playing safe.
     
  10. Rott Weiler

    Rott Weiler Star commenter Forum guide

    I can't imagine how a PI claim could be brought against a tutor. If you want to play safe buying Public Liability insurance would be a better purchase. That risk is at least conceivable, albeit low.
     
  11. SayItLikeItIs

    SayItLikeItIs New commenter

    A PI claim could be brought against a teacher assessor, although this is not intrinsically linked to the venue at which they work.
     
  12. kaitaz

    kaitaz New commenter

    I have been asked to provide an iGCSE course and have been advised to tale out a professional indemnity insurance in case parents choose to sue if their child does not pass the course.
     
  13. langteacher

    langteacher Occasional commenter

    No way! Unless you are providing a guarantee that they will pass which I hope you're not. Private lessons are not magic wands
     
  14. Rott Weiler

    Rott Weiler Star commenter Forum guide

    I'm slightly arguing against myself here (post #10) but even if the parents' claim lacked legal merit you could still end up with a large solicitor's bill to defend yourself. A claim like this seems pretty unlikely but you could never say it was impossible. The claim wouldn't be because the pupil failed the exam per se, it would need to be something like you failed to do the tutoring with the skill and care expected of a tutor or that you didn't have the expertise you held yourself out to have.

    Nevertheless because few in any PI claims have ever been made against a tutor, the risk is very low but the cost of PI policies (compared to PL) is not cheap, buying PL is a better use of your money than buying PI.
     
  15. langteacher

    langteacher Occasional commenter

    That's why I wouldn't take something on unless I knew exactly what I was doing. I choose not to tutor for A level exams because my 17 years of secondary experience was in schools without sixth form. It's not the subject knowledge, French is French etc but I don't think I could look at a piece of work and say that's a grade A or whatever . So I don't offer it.
     
  16. gainly

    gainly Senior commenter

    Some wise advice. Also all the students I tutor are at school, I am just providing some extra help but the main responsibility is with the school. There would be a much greater responsibility on the tutor if they are being home schooled.

    Many years ago an acquaintance of mine tutored a girl for English Lit. When she opened the exam paper she was horrified to find they had studied the wrong books! He had to pay back all the money they'd paid for lessons but I think he was lucky to get off so lightly.
     
  17. langteacher

    langteacher Occasional commenter

    OMG that's terrible but yes got off lightly.
    I had sole responsibility for a GCSE studen . It was someone I'd tutored since about y8 when she was still in the school system. She had (then undiagnosed) autism and the poor girl was passed about from pillar to post. She ended up being home schooled doing just the core subjects . She carried on doing Spanish because she enjoyed it but we weren't prepping GCSE we were doing other (far more useful) stuff. Then the decision was made to do GCSE with the view that she had nothing to lose. If she got it she got it. If she didn't she didn't. She took 4 subjects all at foundation and her highest grade was her Spanish grade 5. For years this girl was told no you can't. Well she can. I was her only bit of continuity. She didn't even have a subject specialist for one of the core subjects. She was very much failed by the system.
    But would I do home schooling in another situation? No. This was a no pressure situation.
     

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