Personal Property and Insurance
The kura cannot obtain insurance cover for items that it does not own, and cannot make a claim for property it does not own (e.g. property of a kaimahi or member of the kura community) under kura insurance. This includes losses of personal property at the kura or on kura trips (e.g. EOTC, camps) caused by theft, fire, or other events. The kura cannot usually replace or repair personal property that is damaged or stolen.
Everyone is responsible for their own personal property that they bring to kura or on kura activities. No one should bring unnecessary valuables to kura. If an insurance claim for damage or loss to personal property is made, any insurance excess is payable by the person insured.
Personal insurance cover
- Kaimahi are advised to have their own insurance cover for the loss of, or damage to, any personal property they bring to the kura, including their vehicle.
- Parents are advised to have their own insurance cover for the loss of, or damage to, personal property of their child (e.g. home contents insurance typically covers phones, devices, bikes). Ākonga are discouraged from bringing valuables to kura unless required for their learning. The kura is not responsible or liable for personal items that are damaged, lost, or stolen.
Personal insurance claims
- If a kaimahi or parent makes a claim under their own insurance, any excess is payable by the kaimahi or parent. This includes any damage to kura property or the personal property of another ākonga caused by an ākonga.
- An insurer has the right to recover its costs from the person who caused the damage, or from their insurance company if they are insured. This may include the excess that has been paid by the person insured. The person insured should check whether their insurance company will refund their excess if/when the person that caused the damage pays them for the costs.
- If an ākonga is responsible for damage to the personal property of another ākonga, the affected ākonga and/or their parents should contact the kura. They should not contact the other ākonga or their family about compensation and/or reimbursement but should request the assistance of the kura to mediate. See Raising Concerns and Complaints.
Kura involvement in kaimahi claims
If a kaimahi makes a claim that is related to kura-related work or activities and their insurer declines the claim or does not provide compensation, the poari matua may consider a contribution towards the loss. The kaimahi should write to the poari matua, and explain:
- whether the item was required at kura or the incident was part of kura business for the kaimahi to carry out their role
- the circumstances that led to the damage or loss, including any negligence
- duty of care of the kaimahi in protecting their property.
The poari matua will consider the request and advise the kaimahi of its decision.
Personal vehicles
Any kaimahi or parent who uses their personal vehicle to transport ākonga should consider the terms and conditions of their vehicle insurance. Personal insurance policies can vary and we advise kaimahi and parents to check their policies and seek advice from their insurer as needed. For example, insurers may state that using a personal vehicle for business purposes might leave the car uninsured for any accidents or incidents that are business related.
Related policies
: Term 3 2025, Term 2 2021
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