Some providers state: “We provide continuous cover at renewal.” However, this may simply mean any ongoing claims at your next renewal will continue to be paid. It is our opinion that to establish whether a policy is truly renewable and provides fully continuous cover, schools need to identify if the following two key exclusions are reapplied at each and every subsequent renewal:

  • Pre-existing Condition Exclusion
  • Pre-planned Medical Procedure Exclusion

In the exclusion section of many policy wordings you will see the following statement:

“All exclusions apply unless additional cover has been purchased and an additional premium paid to delete a Policy exclusion or restriction or extend cover as shown as an Endorsement on the Insurance Schedule.”

We help you consider the two key exclusions: Pre-Existing Conditions and Pre-Planned Medical Procedures. You can apply to us to delete these exclusions to meet the needs of your school and unless you request an annual contract we will not automatically reapply these exclusions at your next renewal. Speak to one of our advisers for further guidance.


You may apply for a quote from us by downloading, completing and returning the following electronic forms as appropriate:

Staff Absence Insurance Forms (PDF)

We have complete confidence in our insurers; the support that they have provided has been invaluable. I have always found the quotations to be competitive and the claims process is very simple and easy to manage. Any queries are dealt with quickly and efficiently. I have no hesitation in recommending Integro Insurance Brokers to other interested schools.

School Business Manager, Academy Primary School, Cumbria