A secondary school lends tablets to students for home study. Several tablets have been cracked, and one was stolen from a bus. The school is considering an ...
Question 1 Report
A secondary school lends tablets to students for home study. Several tablets have been cracked, and one was stolen from a bus. The school is considering an insurance policy that covers accidental damage and theft, but excludes loss when a tablet is left unattended in a public place.
(a) Complete the following statement. A cracked screen is likely to be classed as ________ damage. [2]
(b) State one situation in which the policy would not provide insurance cover. [1]
(c) Explain why the school should tell students and parents about the exclusion before lending tablets. [2]
Answer Details
(a) A cracked screen is likely to be accidental damage [2].
(b) Cover would not apply if a tablet is left unattended in a public place and is then lost or stolen [1]. This is a stated exclusion.
(c) Students and parents need to know this exclusion so they can take greater care with the tablets [1]. They also understand when the school or family may have to pay for a replacement [1], rather than assuming insurance will pay.
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