GovWire

Guidance: Make a claim through the risk protection arrangement (RPA)

Department For Education

March 27
13:30 2024

This page is for schools who are already a member of the RPA. There is information on how schools can join the RPA, an alternative to commercial insurance.

Make a claim

You can make a claim based on your RPA coverage. TopMark Claims Management Ltd handle RPA claims on behalf of the Department for Education (DfE). The membership rules will detail the full eligibility of the cover that applies to your school.

Visit the TopMark webpage to make a claim.

For emergencies and urgent incidents (excluding overseas travel)

Contact the RPA by:

For overseas travel emergencies and urgent incidents

You can contact the RPA by calling 020 3475 5031.

Summary of cover

This table summarises what the RPA covers. For full eligibility details you should always read the membership rules that apply to your school.

Type of risk Limit
Material damage Reinstatement value of the property
Business interruption 10 million for any one loss
Employers liability Unlimited
Third-party liability Unlimited
Governors liability 10 million for any one loss and in any one membership year
Professional indemnity Unlimited
Employee and third-party dishonesty 500,000
Money Various, including cash on premises or in transit, 5,000
Personal accident Death and capital benefits, 100,000
United Kingdom travel Baggage and money, 2,000 per person; cancellation, 1,000 per person
Overseas travel, including winter sports Includes baggage, 2,000 in total per person (inner limits apply); money, 750 per person; medical expenses, 10 million; cancellation, 4,000 per person.
Legal expenses 100,000 for any one loss and in any one membership year
Cultural assets 10,000 for any one cultural asset or 250,000 for any one multiple loss
Cyber cover 250,000 for any one loss and in any one membership year.

Where a member is part of a group network with other RPA members, the maximum aggregate liability is 750,000 in any one membership year for the group network.

Full details of cover

These membership rules detail the full cover and provision of the RPA:

Accessing your RPA documentation

You will have been sent a copy of your membership certificate with your confirmation email when you opted into the RPA.

You can access and download further copies of your current certificate by accessing the RPA Service through DfE Sign-in.

You can sign in to DfE as a local authority or multi academy trust (MAT) to manage your RPA membership and that of your schools. This will enable you to see all the schools linked to your organisation and download their certificates from your account. Trusts can also access their trust level certificate.

Additional cover and buying help

If theres something you need cover for thats not included in the RPA, use the Get help buying for schools service links to sources of free and impartial guidance from procurement specialists.

Advice and training

Members of the RPA will have access to free risk management advice, training and best-practice guidance from Willis Towers Watson.

You can contact Willis Towers Watson by:

Access to the RPA cover helpdesk is available 9am to 5pm Monday to Friday excluding bank holidays.

Contact details

If youre making a claim or an enquiry, you can contact the RPA for advice.

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