Insurance

It is an LAL requirement for all students, regardless of which country they originate from, to have adequate travel and health insurance, which provides cover to the student. Upon arrival, the school may ask for proof of this, and in the event that it cannot be supplied, LAL reserves the right to suspend the student from the course until proof has been provided.

LAL is able to provide insurance at its schools in the UK, USA & South Africa – the conditions are set out below.

The United Kingdom & Ireland

Adult Courses

LAL London, LAL Torbay and Apollo Dublin

LAL insurance offers cover for students attending all its adult English courses in our centres at LAL London and LAL Torbay. The cost of this, which has to be paid for in advance for UK cover, at the time of booking, is £2.60 per week for the UK and Ireland.

It is possible to buy the cover on or after arrival. However, students will not be able to make a claim in retrospect. For example, if a student loses their bags before they arrive, they will not be able to claim for this if they have taken out insurance AFTER the loss or incident.

Young Learners

LAL London, LAL Torbay, LAL UK Summer Schools and Apollo Summer Schools

LAL includes insurance to all students who attend Young Learner courses in both the UK and Ireland, at the above schools, included in the package prices. Adults who are accompanying the students, whether they are parents or group leaders, are not included and will have to either arrange their own insurance or use the facility mentioned above for adult courses.

South Africa and the United States of America

Adult Courses

LAL Cape Town, LAL Boston and LAL Fort Lauderdale

LAL insurance offers cover for students attending all its adult English courses in our centres at LAL Cape Town, LAL Boston and LAL Fort Lauderdale. The cost of this at the time of booking is €11.20 per week for Cape Town and $16 per week for the US.

It is possible to buy the cover on or after arrival. However, students will not be able to make a claim in retrospect. For example, if a student loses their bags before they arrive, they will not be able to claim for this if they have taken out insurance AFTER the loss or incident.

Young Learners

LAL Cape Town, LAL Boston, LAL Fort Lauderdale and US Summer Schools

LAL includes insurance to all students who attend Young Learner courses in South Africa and the USA, at the above schools, included in the package prices. Adults who are accompanying the students, whether they are parents or group leaders, are not included and will have to either arrange their own insurance or use the facility mentioned above for adult courses.

Malta

IELS can arrange insurance on request, under separate arrangements.

FAQs

  • There are further Frequently Asked Questions relating to UK insurance at guard.me

Is the cover sufficient for my needs?

LAL Language Centres has negotiated favourable premiums for its students with the insurance company Guard.me.  They have comprehensive knowledge and practical experience in the field of International Education and Insurance.  They have a network of offices around the world that provide an exceptional local service.

Guard.me was awarded Language Travel Magazine’s Star Award for Preferred International Insurance Provider in 2006, 2007, 2009, 2010 and 2011.

When does the cover start?

The cover for UK schools for students who are from the EEA and Switzerland starts when your booking has been received and will cover you for cancellation. For all students outside the EEA and Switzerland, the cover begins when the student begins his or her journey.

What is included in my insurance policy?

If you would like to know more about your insurance cover please call +44 (0)1403 788 515 and Guard.me will be happy to assist you.

What happens if I have to cancel before my trip?

The cancellation provision only applies to students who originate from the EEA (European Union and Norway, Iceland and Liechtenstein) & Switzerland. Assuming that the cancellation meets the criteria of the cover then you will be able to claim. If you have simply changed your mind, then it is highly unlikely your claim will be met. If, however, you have had an accident or become ill before the trip, but after you have booked, then this could be a justifiable claim.

Can I claim if my luggage is lost by the airline?

If the delay is for more than 12 hours, then there is provision in the policy for a claim to be made for the purchase of “essential clothing and toiletries” up to £100 (all receipts must be retained).  Remember to obtain a lost luggage report from the airline before you leave the airport.

How do I claim?

If you have a claim to make you will need to complete a claim form which will be supplied on the guard.me website.  You will need to send the claim to the insurance company.  LAL Language Centres can offer assistance in completing the form but cannot enter into any other representation on your behalf.  It must be understood that LAL Language Centres is not the insurance underwriter and is not responsible for the outcome of the claim.  It is essential that you read through the policy document before making a claim to establish that your claim meets the provision of cover.

Does having insurance through LAL mean I won’t have to pay anything if I am ill or have to see a doctor?

Not necessarily. Depending on the cost, you may have to pay for the service from a doctor or the hospital in advance and claim this amount back from the insurance company later. This is all subject to a successful claim.

What is a deductible (US)/excess (UK) charge?

It is the amount of money that the policy holder (you) will have to pay towards the costs of the claim. As an example, if the excess/deductible is £25, and the bill for a doctor’s appointment and prescription is £50, you will receive £25.

If I take a holiday during my studies, does the insurance cover me for that?

Yes, the premium will cover you for up to 21 days outside the UK, within Europe, as long as this is within the duration of your stay.

If I am paying for the adult insurance and I am not staying for a full week do I have to pay the full amount?

Yes. The premium is to be paid for any full or part of a week. So if you stay for 8 days, you will have to pay for two weeks.

When does the cover end?

The insurance will cover you until midnight on the cover end date.

Insurance and Limitation of Liability

You must arrange suitable insurance in respect of travel and medical risks and may be required to provide evidence to The Supplier School of adequate insurance at least seven days before the Start Date or at any point in time thereafter throughout the duration of your Course.

It is always the responsibility of students to satisfy themselves that the provision of insurance is adequate to meet their individual needs. This also applies to students who are supplied insurance whether paid or unpaid as a consequence of booking a course at LAL Language Centres.

The Supplier School shall not have any liability to you for any loss of possessions, injury, death, costs related to medical or dental treatment, or costs related to repatriation or for any other losses, damages (whether direct or indirect), compensation, costs or expenses unless negligence can be proved in a court of law in the jurisdiction of the Supplier School.

The Supplier School shall not have any liability to you for any loss, damage, costs, expenses or other claims for compensation arising from any information or instructions supplied by you which is, or are incomplete, incorrect or inaccurate. Where the Supplier School incurs costs due to incomplete, incorrect or inaccurate information, the student will be liable for these extra costs.

Nothing in any agreement you have with the Supplier School affects any liability for death or personal injury caused by the Supplier School’s negligence or for fraudulent misrepresentation, or your statutory rights as a consumer.

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