Insurance for students?

[Ruth Tothill]

Hi there, I'm new here so please excuse me if this question has already been answered - and also feel free to just point me in the direction of the previous thread.

 

But basically my question is this - can anyone recommend a company that have an insurance tailored towards students on forestry and arb courses? A couple of professionals I've asked about work experience have stated that some companies couldn't take me out because I wouldn't be covered on their insurance so I'd like to price up getting my own insurance. I was a complimentary therapist before this and the insurance company I used for my public liability for that did a special student insurance so I figure some of the arb ones might do the same thing.

 

TIA,

Ruth

[Andy Collins]

I think you've been mislead. My insurances cover a student, as does my colleagues.

[Matthew Burton]

It does sound a bit odd that simply because you're a student you cant work under their usual insurance. People without their tickets can work as labourers and are usually learning on the job so you're essentially in the same position. Perhaps talk to the prospective employers again and point out that you're much the same as any other employee.

 

Matt

[Ruth Tothill]

Ho hum, that wouldn't surprise me Andy, I think some people just see students as a liability, even though, having worked in the real world for long enough I'm not a workshy kid like some people may have experienced and been put off by...

 

I'd still be interested in getting my own insurance though - better safe than sorry.

 

And Matthew, in some ways I'm better than a usual labourer since I wouldn't expect to be paid as they'd be doing me a favour giving me work experience.

[Rupe]

Do you mean personal injury insurance or public liability insurance?

[Ruth Tothill]

Hi Rupe, I presume that ultimately I will need to be covered for both if I want to work as an arborist???

[Rich Rule]

Not if you are employed by someone else. You should be covered by their employees liability insurance.

 

Accident cover is something you may want to think about though.

[Rupe]

Hi Rupe, I presume that ultimately I will need to be covered for both if I want to work as an arborist???

 

No, you dont need either. The companies you work for (even as a student) should have public liability cover and the cant get you to do any work you are not trained in or supervised for.

 

You would then be covered for accidents on their Employees liability insurance. Personal accident insurance might be handy if you are self employed and have risky hobbies, and it might payout for accidents at work but the employeers liability insurance is the fisrt one to claim from.

 

Any companies tha tsay they cant take you on as a student due to insurance, probably just dont want to take you on, or dont understand what they are insured for or not.

[Peter]

Any companies tha tsay they cant take you on as a student due to insurance, probably just dont want to take you on, or dont understand what they are insured for or not.

 

Or are not insured at all.......

[Rupe]

I thought of that, but maybe if they are not insured at all then they dont care about such things and then wouldnt mind having an extra person cos everyone is already not insured!!?