School Fete Insurance UK 2025
Specialist insurance for school fetes, PTA fundraisers, and educational community events. Public liability cover from £66.
School Fete Insurance Quick Facts
- £5 million public liability required by most schools
- From £66 for small primary school fetes
- PTA/PTFA separate insurance essential
- Safeguarding considerations for children's events
School fete insurance is specialized village fete insurance designed for Parent Teacher Associations (PTAs), Parent Teacher and Friends Associations (PTFAs), and school governing bodies organizing fundraising events. Whether it's a summer fair, Christmas bazaar, or sports day, proper insurance is essential.
Do PTAs Need Separate Insurance?
Yes, absolutely. School insurance policies typically cover educational activities only, not external fundraising events organized by PTAs. Your PTA needs dedicated village fete insurance for fetes, fairs, and community events.
Common Misconception
"The school is insured, so our PTA fete is covered." - This is usually FALSE.
School insurance covers pupils during educational activities. PTA-organized fundraising events, even on school grounds, need separate coverage. Without it, PTA committee members face personal liability.
School Fete Insurance Costs
| School Size | Public Liability | Comprehensive |
|---|---|---|
| Small Primary (under 100 guests) | £66-£85 | £145-£180 |
| Medium School (100-500) | £132-£165 | £280-£350 |
| Large Secondary (500+) | £264-£336 | £520-£650 |
What School Fete Insurance Covers
Public Liability (Essential)
Covers injury to pupils, parents, or visitors during your school fete. Typical school requirements: £5 million minimum, though some academy trusts require £10 million.
Common claims: Child falls from activity stall, parent trips over equipment, food poisoning from refreshments.
Event Cancellation
Protects PTA funds if the fete must be cancelled. Many PTAs invest £1,000-£3,000 in equipment hire, entertainment, and prizes. Event cancellation insurance reimburses unrecoverable costs.
Cost: Typically 10-15% of event budget (£150-£300 for most school fetes).
School-Specific Requirements
Before Your School Fete:
- Headteacher Approval: Most schools require insurance certificate 2-4 weeks before event
- Governing Body Sign-Off: Academy trusts often need governor approval for PTA events
- Premises License: If on school grounds, ensure policy covers venue owner liability
- Safeguarding: Insurance doesn't replace DBS checks but demonstrates duty of care
- Risk Assessment: Complete and submit alongside insurance documentation
Popular School Fete Activities
Standard Coverage
- • Tombola and raffle stalls
- • Face painting and crafts
- • Cake and refreshment sales
- • Book and toy stalls
- • Game stalls (hook-a-duck, etc.)
- • Sports activities
Requires Disclosure
- • Bouncy castles (+£40-£60)
- • Bungee runs/inflatables (+£40-£60)
- • Petting zoos (+£30-£50)
- • Hot food cooking (+£25-£40)
- • Fairground rides (+£60-£100)
- • Alcohol sales (rare, +£40-£60)
Get School Fete Insurance Quote
Compare village fete insurance quotes from specialist providers. Instant pricing for PTA fundraisers, school fairs, and educational events.
Get Instant Quote - From £66Need comprehensive guidance? Read our ultimate guide to village fete insurance for detailed coverage advice.