P&C/P&F insurance

There’s lots of reasons to switch your P&C Insurance to Healthy Kids

Did you know that Healthy Kids Association offers the Parents Association Essentials Insurance Package – competitive insurance that ensures all the essentials are covered. We forfeit a higher brokerage fee to keep prices low, which means any savings can be reinvested back into your school and canteen.

There’s also NO compulsory reporting every time you decide to hold a fete or fundraiser, a simple cost structure and low excesses.

And best of all, as an insurance member, when you renew your insurance with Community Underwriting after one year, your school will be eligible to apply for annual grants of up to $5,000!

Here’s what some of our insurance customers had to say:

“Healthy Kids made our insurance claim easy and quick. With just a few questions and forms, our claim was processed and paid within a very fast timeframe” –I nsurance customer: North Haven Public School

“Tumut High School are so appreciative of the generous contribution from Healthy Kids Association and Community Underwriting towards the starting of the Tumut High School Recycling Program.The program will begin with a student lead waste audit followed by planning and implementation of a new system of bins to allow the staff and students of our school to become better custodians of the land we take care of and have a lighter footprint.” — Insurance customer and grant recipient, Tumut High School

If you have any questions we’re always here to help. Call us on 02 9876 1300 or email info@healthy-kids.com.au

Downloads – information you need to know

Additional policy schedules

Ready to join?

Please fill in the form below. You can also download the application form online, fill it in, and send it to us via email or post.


If you’re renewing but your contact details have changed, please contact us instead. This will save you having to fill in the entire form again.

Parents Association Essentials Insurance Package application form

  • Your contact details

  • Your P&C Association

  • StudentsVolunteersEmployees
  • Please provide an estimate of your annual revenues from all activities:
  • Your additional activities

  • The Parents Association Essentials Insurance Package

  • The Parents Association Essentials Package is designed to provide a primary level of protection for all associations including members of the P & C Federation and parent bodies from independent schools. The annual cost is $700 inclusive of all charges (including GST). This applies for an association that has been claims free for the last 3 years. If you are a P & C Federation member, you can elect to take the public liabiity coverage included in the Federation membership and insure all other covers under the Essentials Package for an annual cost of $458.
  • Cover is still available for those associations with claims in the last 3 years. It is important however for us to obtain details of these claims and understand any risk mitigation you have put in place to prevent future losses. We may apply a higher deductible or additional premium depending on the details provided. Some associations will have higher values to be insured or require additional cover for specific activities and/ or higher limits of cover. The following options are available (costs indicated are inclusive of all charges and GST):
  • Additional property cover above $5,000
    - Annual total cost per additional $1,000 = $14
  • Additional money cover above $2,000
    - Annual total cost per additional $1,000 = $10
  • General liability
    - Include OOSH/after hours and vacation care = $140
  • Machinery breakdown
    - Machinery breakdown: $5,000
    - Deterioration of stock (as a result of a breakdown of equipment): $2,000
    - Annual total cost: $275
  • Voluntary workers motor vehicle excess
    - Reimburses the excess paid by voluntary workers following an accident where a private vehicle is used on Association business up to $1,500
    - Annual total cost $75
  • Your insurance history

  • Type of claim:Date:Amount:Details: 
  • Is any officer, committee member and/or employee of the association aware of:
  • Signature

  • By submitting this form we agree: • For you to arrange cover for the Parents Association Essentials Insurance Package and any additional covers outlined above with effect from 1 August 2018; • That we are aware of our duty of disclosure as outlined in this application; • To accept policy information, financial service guides and product disclosure statements and other disclosure information about my policies in electronic format.
  • Date Format: MM slash DD slash YYYY
  • Community Underwriting

    Community Underwriting will be providing the financial service to you under financial services license no 448274. This information may be regarded as general advice. That is, your personal objectives, needs or financial situations were not taken into account when preparing this information. You should consider the appropriateness of any general advice provided to you, having regard to your own objectives, financial situation and needs before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.
  • Duty of disclosure

    Under insurance law, you are required to tell us anything you know that may affect our decision to accept your insurance. You must tell us these things before we issue cover, and whenever you renew, extend, vary or reinstate a policy of insurance. If you do not disclose all relevant information, or if you misrepresent the facts, then the insurer may be entitled to cancel the policy, reduce or refuse to pay a claim or treat the policy as having never existed.
  • Claims Made insurances (applicable to the association liability policy)

    A Claims Made policy covers you for claims or circumstances, which may give rise to a claim, reported to the Insurer while the policy is in force. If you become aware of a claim or circumstance that could give rise to a claim in the future, you need to notify us in writing immediately. If you become aware of a claim/circumstance and you do not notify us during the policy period, you could be left uninsured or facing a reduced payout in respect of that claim or any future claim. Once the policy has expired you are not covered, except for claims and “circumstances” notified before expiry.
  • Dispute resolution

    If you think we have let you down in any way, or our service is not what you expect (even if through one of our representatives), please tell us so we can help. We are committed to resolving your complaint fairly. Full details of our dispute resolution policy are located on our website.
  • Privacy

    Community Underwriting is committed to respecting your privacy and protecting your personal information. We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles, along with any other applicable privacy laws and codes, when collecting, using, disclosing, holding, handling and transferring any personal information. Full details of our dispute resolution policy are located on our website.