Lost jacket

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Discussion

Muzzer79

9,806 posts

186 months

Friday 16th November 2018
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What outcome are you expecting?

Your daughter had her coat nicked at school. Are you expecting the school to replace it?

If so, you’ve got two hopes and Bob is dead....

Buy her another one.

MDMA .

Original Poster:

8,849 posts

100 months

Friday 16th November 2018
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martyuk said:
As someone who works in school, they should have insurance to cover such events where there has been a specific loss rather than just a kid leaving a jacket in a class and not collecting it.

A formal request for their insurers/copy of claim procedure would be the starting point.

They won't shout about this in case every man and his dog starts to claim, whereas your child was on a specific school trip.

Good luck, M
Thanks for the reply. Will send them an email on Monday requesting the above.

Eddieslofart

1,328 posts

82 months

Saturday 17th November 2018
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MJG280 said:
My daughter had the same problem many years ago. I wrote to the school requiring them to meet the cost on the basis that they had instructed my daughter to leave her jacket in an insecure location and therefore took responsibility for its loss.
I also sought my insurance excess as I claimed of my insurance to replace the front door lock.


They paid up and so should the school whose representative told them to leave their jackets in an insecure location.
What a hero you are ...

elanfan

5,516 posts

226 months

Saturday 17th November 2018
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For those suggesting the insurance route. I worked for one of the few insurers that would insure schools (they tend to get burned down regularly). Let me assure you that local authorities who are already cash strapped do not directly insure pupils goods. They couldn’t afford to. Nearly 20 secondary schools alone in my city, many more primary schools - 20 x 1000 pupils x £500 per pupil (they’ve all got phones these days) they’d need a sum insured well over £10M and that’s just the city schools never mind the outlying ones.

And in the circumstances described there’d have to not only be a Temporary Removal clause but for a theft claim to be successful there’d have to be foricible and violent entry. This loss is effectively shoplifting = not covered.

Whether there’s a moral liability is another matter.

Is the suspicion that some from the visited school took it or one of her own school. We had that quite often with our kids through school - someone’s fleece skirt whatever was swapped because it was in better condition. Our schools policy was that everything had to have the child’s name on the label inside. If it’s suspected that it was taken by a classmate just keep an eye out for it reappearing check the label and take it back.

markjmd

549 posts

67 months

Saturday 17th November 2018
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elanfan said:
For those suggesting the insurance route. I worked for one of the few insurers that would insure schools (they tend to get burned down regularly). Let me assure you that local authorities who are already cash strapped do not directly insure pupils goods. They couldn’t afford to. Nearly 20 secondary schools alone in my city, many more primary schools - 20 x 1000 pupils x £500 per pupil (they’ve all got phones these days) they’d need a sum insured well over £10M and that’s just the city schools never mind the outlying ones.

And in the circumstances described there’d have to not only be a Temporary Removal clause but for a theft claim to be successful there’d have to be foricible and violent entry. This loss is effectively shoplifting = not covered.

Whether there’s a moral liability is another matter.

Is the suspicion that some from the visited school took it or one of her own school. We had that quite often with our kids through school - someone’s fleece skirt whatever was swapped because it was in better condition. Our schools policy was that everything had to have the child’s name on the label inside. If it’s suspected that it was taken by a classmate just keep an eye out for it reappearing check the label and take it back.
There's no real reason why they'd have to insure all of the kids' phones and belongings in all of their schools, because nobody in their right mind would ever expect a theft to occur that involves hundreds of kids at once. Even in a school area with quite lax security, coverage of just a few thousand per school should be enough to deal with the actual levels of theft or loss likely to occur.

LarsG

991 posts

74 months

Saturday 17th November 2018
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one of those learning experiences.

4rephill

5,040 posts

177 months

Saturday 17th November 2018
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MDMA . said:
martyuk said:
As someone who works in school, they should have insurance to cover such events where there has been a specific loss rather than just a kid leaving a jacket in a class and not collecting it.

A formal request for their insurers/copy of claim procedure would be the starting point.

They won't shout about this in case every man and his dog starts to claim, whereas your child was on a specific school trip.

Good luck, M
Thanks for the reply. Will send them an email on Monday requesting the above.
Surely if the school's insurance was brought into this, they would want prove of purchase of the coat, including the original receipt?

Otherwise, how easy would it be for a parent to buy a £10 coat from Primark for their child, and then claim it was a £60/£100/£500 coat that went missing/was stolen?

(BTW, I'm not saying the OP is trying to pull a fast one and commit a fraud, I'm merely suggesting that an insurance company isn't simply going to accept the word of a parent as to how much the coat cost)

graylag

685 posts

66 months

Saturday 17th November 2018
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markjmd said:
There's no real reason why they'd have to insure all of the kids' phones and belongings in all of their schools, because nobody in their right mind would ever expect a theft to occur that involves hundreds of kids at once. Even in a school area with quite lax security, coverage of just a few thousand per school should be enough to deal with the actual levels of theft or loss likely to occur.
It doesn’t really work like though. You don’t just insure your house for £5000 as that’s all you’re likely to lose at any one time.

elanfan

5,516 posts

226 months

Saturday 17th November 2018
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graylag said:
markjmd said:
There's no real reason why they'd have to insure all of the kids' phones and belongings in all of their schools, because nobody in their right mind would ever expect a theft to occur that involves hundreds of kids at once. Even in a school area with quite lax security, coverage of just a few thousand per school should be enough to deal with the actual levels of theft or loss likely to occur.
It doesn’t really work like though. You don’t just insure your house for £5000 as that’s all you’re likely to lose at any one time.
Quite right - that’s covered by the average clause. Your house is insured for £200,000 but it’s rebuilding cost is £400,000. You have a £10,000 fire. You’d get £5000.

The fact remains that loss of the coat would not be covered by theft as defined in most commercial policies.

vikingaero

10,256 posts

168 months

Saturday 17th November 2018
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megaphone said:
£60 for a kids jacket? Go to Primark or similar and buy a £10 jacket then when your daughter losses it it won't matter.
You're obviously out of touch with prices of goods these days. You'll struggle to find any Primarni with a £10 jacket unless it's in a sale and then a size XXXXXXL that no-one wears. £60 is reasonable for a all weathers jacket. Primarni isn't the cheap shop everyone expects.

Mrs V. is a teacher and her helpful advice to the OP would be to label it and additionally label it in areas people don't expect as some kids do steal other peoples stuff.

jdw100

4,069 posts

163 months

Sunday 18th November 2018
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I’d suggest contacting the Daily Mail. Would make a fantastic article for their website.

Can you and your daughter practice your sad faces? Ideally the photographer will want to take some shots outside in the snow with your daughter in school blouse and tie - without coat obviously - and with sad face. Perfect!

How much is your house worth?


MDMA .

Original Poster:

8,849 posts

100 months

Sunday 18th November 2018
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jdw100 said:
I’d suggest contacting the Daily Mail.
Original. fkwit.

anonymous-user

53 months

Sunday 18th November 2018
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Always put name tags on school clothes of any worth. It may help in case of a genuine mistake. Regularly got rollicking from my mum for coming home in someone else’s shabby jacket or jumper.

Plus don’t send kids to school with anything of value. Assume stuff will get lost, broken, damaged, stolen... as it does.

anonymous-user

53 months

Sunday 18th November 2018
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do schools not lock the changing rooms anymore?

p4cks

6,885 posts

198 months

Sunday 18th November 2018
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Ah this reminds me of when I was told that jackets and coats were not allowed in the exam hall so they had to be hung up outside. My £130 jacket was not there when I got back. It was December and it was snowing so it made for a rather cold trip home waiting for the bus. Oh, and it was my birthday.

I just accepted that I shouldn't have had such an expensive jacket.

jdw100

4,069 posts

163 months

Sunday 18th November 2018
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MDMA . said:
jdw100 said:
I’d suggest contacting the Daily Mail.
Original. fkwit.
Just trying to help.

Maybe you could pursue the school governors - I believe many people have some sort of liability cover included with their house insurance?


MDMA .

Original Poster:

8,849 posts

100 months

Monday 19th November 2018
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Quick update and to bring it to a close. Spoke to the Head teacher earlier. Very apologetic about it and apologised for the rude manner in which the other member of staff spoke to me. I think she was more embarrassed that a pupil from a visiting school had an item go missing/stolen.

Happy she has said sorry. Drawer a line under it now smile

pavarotti1980

4,837 posts

83 months

Monday 19th November 2018
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MDMA . said:
Quick update and to bring it to a close. Spoke to the Head teacher earlier. Very apologetic about it and apologised for the rude manner in which the other member of staff spoke to me. I think she was more embarrassed that a pupil from a visiting school had an item go missing/stolen.

Happy she has said sorry. Drawer a line under it now smile
Sometimes a simple apology can sort a lot of things. Instead people go into excuse and attitude overdrive.

Glad you are all sorted

MDMA .

Original Poster:

8,849 posts

100 months

Monday 19th November 2018
quotequote all
pavarotti1980 said:
Sometimes a simple apology can sort a lot of things. Instead people go into excuse and attitude overdrive.

Glad you are all sorted
Yes. Just an acknowledgement that it was their fault and not the "not our problem" attitude I got when I first contacted them. I suppose it got my back up at first that they wouldn't accept any responsibility for it.
All good now.