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Beauty Therapist Student Insurance – Next Step – Radius Beauty Student Insurance

NEXT STEP STUDENT INSURANCE

Thanks for choosing Radius Insurance for your insurance cover, you’ve come to the right place!

Just enter your details below and click “Buy Now” to be covered instantly.

Our insurance cover protects you for:

  • Public liability – £5 million any one occurrence
  • Professional liability – £1 million any one claim
  • Products liability – £5million any one occurrence and in total
  • Pollution liability – £5million any one occurrence and in total

in respect of your legal liability arising during training, course work & practical sessions while you are studying a beauty course listed below, whether online or in person:

Manicure, Pedicure, Acrylic, 3d acrylic, Nail Sculpting, Gel Extensions, Gel Polish, Nail Art, Efile, Fusion Gel, Builder Gel, One Stroke Nails, Quick Dip, Perfect Nail Shaping, Reverse Smile Nails, Fiberglass & Silk, Builder Gel in Bottle, Spray Tanning, Threading, Make Up, Bridal Makeup, Waxing, Eyelash Enhancement, Eyelash Extension, Lash Lift, Russian Lashes, Facials, Luxury Facial, Bridal Makeup, Eyebrow Definition, Strip and Individual Lash Techniques, Hot Waxing, Henna, Body Massage, Hot Stone Massage, Hopi Ear Candling, Indian Head, Speed Waxing, Bamboo Massage, Intimate Waxing, Male Waxing, Reflexology, Gents Hair Cutting, Bridal Hair, Special Occasion Hair, Hair Dye, Hair Extensions, Basic Barbering


Significant terms, conditions or exclusions

  • You are responsible for the first £250 of each claim in relation to damage arising under the public liability, products liability and pollution liability sections.
  • Professional indemnity cover only applies to claims first made against you during the period of insurance and notified to insurers before expiry of the policy
  • You must take all reasonable steps to prevent loss and for some treatments, there are specific obligations which must be complied with (e.g. For hair, eyelash and eyebrow, tinting or perming, you must take a skin test at least 24 hours before applying a hair, eyelash or eyebrow tint or perming to any person for the first time)

Please click here for a copy of the full policy wording.  Make sure you are aware of the cover provided and any conditions that have to be complied with before purchasing a policy.

Important information regarding your policy

  • Date Format: DD slash MM slash YYYY
  • £ 0.00

This insurance is underwritten by Tokio Marine HCC which is trading name of HCC International Insurance Company plc, and who are authorised by the Prudential Regulation Authority (PRA) and regulated by the UK Financial Conduct Authority (FCA) and Prudential Regulation Authority.
Radius Insurance does not provide a personal recommendation about the insurance products offered and you will need to make your own choice about how to proceed. Please click here for more information about the service provided by Radius.
If you have any questions please get in touch info@radiusinsurance.co.uk

Important Information incorporating your Demands & Needs

Demands and Needs

This product meets the demands and needs of individuals domiciled in the UK who wish to insure against their legal liability for the following and which arise through their activities as a beauty therapist student:

  1. negligence or breach of duty of care to their client
  2. personal injury to third parties or damage to their property
  3. property damage or personal injury caused by defective products
  4. pollution or contamination of the atmosphere or of any water, land or other tangible property

Capacity and Service

The Beauty Therapist Student Insurance policy with HCC International Insurance Company plc provides cover for the duration of your course. It is not renewable.

  • In sourcing this policy we act as your agent
  • In placing this policy we act as your agent
  • In the event of a claim we will act as your agent

Scope of Service

No advice or recommendation is provided for this product, just information. You are responsible for deciding whether the policy is suitable for your demands and needs.   

The following is for information purposes only:

We are under a contractual obligation to conduct insurance distribution exclusively with one or the insurance undertaking listed above. For this insurer we have taken the following into account:

  • Their level of service
  • Premium cost
  • Their expertise in this field
  • The length of time they have been established
  • Their specialism in this type of insurance

Remuneration

For this policy, the nature and basis of remuneration we receive is:
When we sell you the policy the insurer pays us a percentage commission from the total premium.   
You are entitled at any time to request information regarding any remuneration which we may receive.
This document is not intended to be a statement of cover.  You should read the policy wording for full details of the cover provided and any restrictions or exclusions applying and ensure that you are aware of any limitations of the insurance purchased.

Cancellation Rights

You have the right to cancel your policy within 14 days of going on cover or receiving your policy documentation, whichever is later. This is referred to as a ‘cooling off’ period. If you exercise your right to cancel your policy your insurer will charge you for the period during which you were covered, and other charges may be applied to cover the insurer’s and our costs in arranging the cancelled policy. If you have made a claim or one has been made against you during the period of cover, you will not receive a refund. To enable the insurer to process the cancellation you will need to return certificates and any official documents to our office within 30 days of notifying us of your wish to cancel. 

Notification of incidents/claims

All claims or incidents should be reported immediately and directly to the insurer. Please refer to the policy wording for contact information and details of claims conditions applicable to this insurance

Complaints

It is our intention to provide you with the highest possible level of customer service at all times. However, we recognise that things can go wrong occasionally and if this occurs, we are committed to resolving matters promptly and fairly.

Should you wish to complain you may do so:

• In writing to the Complaints Manager, Steve Seekings

• By telephone on 01799 522293

• By e-mail at insure@saffroninsurance.co.uk

• In person by visiting our office: 22 High Street, Saffron Walden, Essex, CB10 1AX

Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS).  More information is available on request or on their website www.financial-ombudsman.org.uk

Further details will be supplied at the time of responding to your complaint.