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School fees insurance

Protecting your child’s education in times of crisis

School fees insurance from SFS is a unique policy that will cover your child’s school fees should you or your spouse die or suffer a terminal or critical illness. Choose the level of cover to suit you, with no medical underwriting required.

Specialist insurance provider for independent education

What does school fees insurance cover?

For just a small amount each month, school fees insurance will help cover future school fees if a child loses a parent. A set amount of benefit (determined by the cover level purchased) is paid directly to the school of your choice each term, which also helps to mitigate difficulties releasing funds during probate. Other key features include:

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Easy administration

Get a quote and choose the right level of cover for you at any point during the school year. In the event of a claim school fees will be paid directly to the school, making the process as simple as possible during an already challenging time.

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Automatic fee tracker

With school fees continuing to rise faster than salaries, this crucial scheme can protect the education of your child should the worst happen. SFS increases claim benefit for school fees insurance by inflation (Retail Price Index), plus 2% each year

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Flexible levels of cover

Once you’ve chosen the level of cover that’s right for you, cover will continue right up until your child leaves school at 18 unless you decide to leave the scheme at any time. You can then switch over to university fees insurance.

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No medical underwriting required

Getting a quote is quick and easy with SFS, without the need to fill out lengthy medical questionnaires.

University fees insurance


Although many students work as much as possible alongside their studies, most parents also try to ease their children's growing debt by offering financial assistance. So how well would your child cope financially at university if the unexpected were to happen?

SFS’ university fees insurance scheme fills this financial gap for children of members who have died or develop a terminal illness, providing £15,000 per year for up to four years whilst the child is at university, and £3,000 during a gap year.

School fees insurance FAQs

What is school fees insurance?

Sadly, every 22 minutes a parent of a school aged child dies in the UK. While it’s likely you may have life insurance to cover your mortgage and other debts, will your child’s school fees be protected should the unthinkable happen?

School fees insurance is designed to cover your child’s tuition following critical or terminal illness or death of a parent, paying a sum of money every term directly to the school of your choice.

You chose you child’s school for a reason, so having school fees insurance helps to ensure your child can continue their education journey and stay at a school that offers protection, social networks and opportunities for the future.

Do I need school fees insurance?

If payment for your child’s school fees is even partially reliant on your income, then you may want to consider taking out school fees insurance to provide for your family in the event of your death.

The average cost of putting one child through 14 years of day school is £286,000 – so if you’ve already invested in private school, you’ll likely want to take steps to safeguard your child’s tuition fees and ensure they have the best possible education, no matter what the future holds.

For just a small amount each month, school fees insurance will help cover future school fees if a child loses a parent, or if they suffer a critical or terminal illness.

I have a pre-existing medical condition – can you cover me?

If you have had a diagnosis of an illness for which you have received treatment, medication, care or services (including diagnostic measures) in the 5 years prior to taking out the policy, you will unfortunately not be able to claim for this medical condition under your school fees insurance.

Why choose SFS?

SFS Group Ltd has been a market leader in the provision of insurance in independent education since 1991, specialising in providing well targeted, value for money and uniquely designed products to suit the needs of all types of independent schools, as well as their pupils and parents.

Getting in touch with SFS

Their friendly team are ready to talk to you: