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Student Insurance

Student Insurance

Low cost student insurance that always has your back

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Student Insurance from £34.12

Brought to you by Salon Gold, our sister website for hair and beauty students.
Home • Student Insurance

The Next Generation Of Hair & Beauty Professionals

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You live for hair and beauty. It’s all you’ve ever wanted to do. You’re all about chic manicures, sharp haircuts and fierce brows. Blending so flawless, it looks airbrushed. That’s why you’ve chosen to study your craft. You want to get better. To be in with the best of the best. You’re not there yet, but you know you will be.

You’ve already started on the path to a successful business. You may not have the clients yet, but you have the skill to go all the way. And it’s right within your grasp.

We believe in you. At Salon Saver, we want to see every one of our hair and beauty professionals achieve their dreams. And we want to help them protect those dreams too.

No frills. No fuss. The insurance you need, at an exclusive student rate.

Join us today and learn from the best.

Which type of Salon Saver policy do I need?

Find out which insurance policy is right for your business.

Begin

Are you a Student?

Yes
No
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You will need our Student policy.

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Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?

Yes
No
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You will need our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a salon or business owner?

Yes
No
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Their insurance should cover you as an employee so you will only need your own Freelance/Mobile/Self-Employed policy if you do your own private work.

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Do you rent a chair in a salon or work on a freelance or mobile basis in the hair or beauty sector?

Yes
No
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You will need our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their therapy or treatment?

Yes
No
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You will need our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

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« back

You will need our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Automatic
Covers

Public Liability Public Liability

Public Liability

£1 million

Public liability insurance covers accidental bodily injury by you or your business and also covers third party property damage (damage to posessions or property belonging to a client or member of the public while you are practicing).

Our freelance and mobile policy provides:

  • A limit of indemnity of £1 million any one claim
  • Cover whether you work from a salon, a clinic, from home or on a mobile basis
  • Cover to work anywhere in the United Kingdom, Channel Islands or the Isle of Man
  • Cover for temporary (up to 14 days) work abroad (excluding the USA/Canada)
  • Data Protection Act cover up to £250,000
  • Defective Premises Act cover up to £1 million
  • Health & Safety at Work Act cover up to £100,000
  • Cover for accidental damage to employees’ and visitors’ personal belongings
  • Compensation for court attendance of up to £250 per day
Products Liability Products Liability

Products Liability

£1 million

If you supply a faulty product to a customer that causes an injury or damages their property, they may try to sue you. Even if you have not been negligent, you may still be held liable for damages and injuries suffered as a result of products that you use or supply.

Our freelance and mobile policy provides:

  • A limit of indemnity of £1 million for all claims each year
  • Cover for products supplied whilst temporarily (up to 14 days) working abroad (excluding the USA/Canada)
  • Consumer Protection Act cover up to £100,000
Treatment Risk Treatment Risk

Treatment Risk

£1 million

This protects you against claims for injury or damage caused by the treatments you carry out. So if somebody suffers a reaction to a treatment you have carried out, you may be liable to pay compensation and this is where insurance cover is vital.

Our freelance and mobile policy provides:

  • A limit of indemnity of £1 million any one claim
  • Cover for injury to clients whilst carrying out treatments or providing treatment advice
  • Cover whether you work from a salon, a clinic, from home or on a mobile basis
  • Cover to work anywhere in the United Kingdom, the Channel Islands or the Isle of Man
  • Cover for temporary (up to 14 days) work abroad (excluding the USA/Canada)
  • Cover for a wide range of treatments included as standard
Financial Loss Financial Loss

Financial Loss

£10,000 or £50,000

The public liability section of your policy will provide cover for third party injury and property damage caused by your negligence. But what if a client suffered a financial loss not caused by injury or property damage? Not a problem, we have included a valuable extension in our policies to ensure you are fully protected.

Also known as the Non–Injury Treatment Extension, your Salon Gold freelance policy will automatically provide cover if a client or member of the public suffers a financial loss as a result of work or a treatment carried out by you in connection with your business.

So for example, a client has a reaction to a treatment which did not cause an injury but turns their hair green or discolours their skin and they are unable to work as a result. They may not accept your offer of a refund and may not want you to rectify the damage. Instead, they may make a claim against you for their lost earnings. If the client’s loss of earnings was a direct result of your professional negligence, this extension will provide cover for you.

The standard limit under the policy is £10,000 but can be increased to £50,000 for an additional premium. There is a £1,000 excess (or 10% of the claim, whichever is greater) in respect of this cover.

Optional
Covers

Money Cover Money Cover

Money Cover

Cover is available for loss of your business money up to £500 whilst anywhere in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man (excluding theft from unattended vehicles).

You will also have cover for compensation in the event of bodily injury caused by robbery, theft or attempted theft. Please refer to the Policy Wording for full details of this cover.

There is an excess of £25 under this section of the policy. If you require cover in excess of these limits, please contact us.

Legal Expenses Legal Expenses

Legal Expenses

“Silver” Package

Cover is available for Tax Protection with a limit of £100,000 in any one period of insurance. You will be covered for Tax and VAT investigations by HM Revenue & Customs and there is an excess of £250 in the event of a Formal Aspect Enquiry.

You will get 24 hour Legal and Tax Advice and a Counselling Assistance Helpline for use by you or your staff. You will also have access to Legal Document Max – a website where you can obtain legal documents for day to day issues.

“Gold” Package

This is a comprehensive legal expenses insurance package providing £100,000 of cover per claim (£1,000,000 in any one period of insurance) for the following:

  1. Employment Disputes
  2. Employment Compensation Awards (£1 million aggregate limit and £1,000 excess)
  3. Tax & VAT Protection (£250 excess)
  4. Property Disputes
  5. Compliance & Regulation – Prosecution Defence
  6. Employees Extra Protection – Employee defence in civil proceedings
  7. Legal Document Max – website to download legal documents
  8. 24 Hour Legal Advice & Tax Advice Helpline
  9. 24 Hour Counselling Assistance Helpline
Personal Accident Personal Accident

Personal Accident

Personal Accident – for hands only

What would you do if you could not use your hands? They are your most important tools and (providing you are aged between 16 and 70) cover is now available for compensation in the event of loss of the hand or fingers or loss of use caused by an accident happening in connection with the business. The maximum payable under this section is £10,000 per person with reduced limits for loss of use of parts of the hand.

Personal Accident – full cover

How would you pay your bills if you had an accident and couldn’t work? This cover provides protection following an accident which prevents you from working and is not limited to hands only. It offers 24 hour cover, worldwide. If you are temporarily disabled, it pays from £50 to £300 per week. In the case of permanent disablement or death, a lump sum of £10,000 to £60,000 is payable.

Individual Personal Accident (& Sickness) Separate Policy

A separate policy is available to provide protection following an accident which prevents you from working. This policy can also be extended to include Sickness cover to provide you with a lump sum or weekly benefit if you are unable to work as a result of an illness.

Further information can be found on our Personal Accident page.

Stock/Equipment Stock/Equipment

Stock/Equipment

Cover is available for your stock and business equipment (excluding mobile telephones and computer equipment).

Cover operates on an “All Risks” basis and you will be covered anywhere in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man including at your premises (excluding theft from unattended vehicles).

Cover is available as follows:

Cover Excess Limit Any One Item
£1,000 £100 £500
£2,000 £100 £1,000
£3,000 £100 £1,500
£4,000 £100 £2,000
£5,000 £100 £2,500
£7,500 £250 £3,500
£10,000 £250 £5,000

If you require cover in excess of these limits, please contact us.

Why Choose Salon Saver?

  • Online everything

    Online everything

    No more waiting for your documents or calling — everything we do is online, all the time.

  • Only essentials

    Only essentials

    Our policies have only the core covers you need, so you’ll never pay more than you have to.

  • Cover instantly

    Cover instantly

    No need to show us your qualifications; you’ll be covered from the moment you buy.

  • Industry veterans

    Industry veterans

    We’ve been working at this for over 20 years, and our knowledge is second to none.

Conditions Of Our Student Insurance Cover

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There are certain conditions that must be met in order to take out our student insurance. They are the following:

  • You must only offer treatments or therapies that you have been trained in and you must be deemed competent to practice them by your school
  • You must be under regular supervision
  • You must make it clear to your clients in advance that you’re not fully qualified
  • You must charge less than the full rate

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