Benefits and services

NUT legal services - a member's guide

As an NUT member, you have access to a unique form of legal service provision. It is a team of solicitors and litigation executives, working only for the NUT and its members, professionally regulated by the Law Society and committed to high quality service provision. This team works under the name of "NUT Solicitors".

This document gives you information on how we consider applications for legal assistance and the basis upon which we act.


The Union has four collective policies underwritten by Aviva. These policies provide automatic cover for members, subject to terms and conditions, in respect of four separate areas of risk.

• Personal accident
This policy provides compensation in respect of death or bodily injury resulting solely and directly from an accident caused by violent external and visible means. All members, other than retired and left profession members, paying the appropriate subscription, newly qualified members, student members, and members through schemes negotiated with other associations, are covered by this policy. The insurance provides cover for members 24 hours a day, at home or abroad.

• Hospitalisation
This policy provides compensation of £50 per day (excess 24 hours) up to a maximum of 365 days for a member who has been injured as a result of an occupational accident which leads to that person being admitted to hospital as an in-patient. The policy includes accidents happening outside school so long as they occur in connection with school activity or NUT business. A journey to or from work is also covered. The policy is subject to certain exceptions. Please see the Personal Accident policy.

• Personal property (inc spectacles)
Personal property belonging to members of the National Union of Teachers, or pupils' personal property entrusted to them, is automatically insured under a collective policy taken out by the Union against loss or damage by flood, fire, theft or malicious act whilst on the school premises.

• Malicious damage to motor vehicles in school or college premises
Cover up to a maximum of £500 for malicious damage to a member's private car or motorcycle while on school premises during the time the member is on school or Union business (excess £50). This enables members to protect their no claim discount for small malicious damage claims by not approaching their motor insurers. No claim may be made under this policy if the member intends to claim for the same incident under another policy.

How to claim
Members wishing to claim under any of these benefits other than assistance from the NUTBF should contact Union headquarters as soon as possible – tel. 020 7380 4785. Members wishing to apply to the NUTBF should email

Also available are a wide range of NUT endorsed services bringing good value and integrity. These include:

  • Thousands of shopping and leisure discounts
  • home and content insurance
  • mortgage and savings
  • financial advice
  • legal services
  • car and home insurance
  • tax recovery service
  • holidays and travel insurance
  • utility services
Below is a list of NUT affinity partners with current offers to members

Aviva Home, Car, Travel and Pet insurance


NUT has teamed up with Aviva to offer you home, car and travel and pet insurance through the UK’s largest insurer.

When you get an online quote it’ll be the best price you’ll be able to find using and you’ll be supporting your union by doing so.

Home insurance with the best prices

Why choose Aviva?

We know that making a house insurance claim can be a stressful business so we add extra support where it matters.

  • Our claims team is available for you to make a claim 24/7, 365 days a year.
  • Named personal claims manager who will manage your claim from beginning to end.
  • A tradesperson to secure your home in 2 hours. Within two hours of your call, we'll send you an approved tradesperson to secure your home and make it safe after a break in. This service is for homes which are unsecured or unsafe as a result of damage.

Click here to get a home quote

Car insurance with the best price

Why choose Aviva?

  • Let our customers tell you - We're the only car insurer to share our customer claim reviews on our website and most of our customers rate us 4 out of 5 or higher.
  • Our UK team are available 24/7, 365 days a year if you need to make a claim.
  • Your UK Personal Claim Manager will ensure you are kept fully informed throughout your claim.
  • Following an accident we'll be with you on average in less than 52 minutes to recover you and your car.

Click here to get a car quote

Travel insurance with the best prices

Choose from single trip travel insurance for one-off holidays or annual travel insurance if you’ll be travelling frequently.

Click here to get a travel quote

Pet insurance now available from Aviva

A lifetime policy provides the greatest peace of mind and the very best health care possible for your pet. We'll cover your dog, cat or rabbit on annual limits up to £12,000 every year.

  • Cover available from 6 weeks old and vet fees can be paid directly to the vet practice
  • Pay monthly with 0% APR
  •  24/7 emergency claim line to our UK based contact centre
  •  We can pre-authorise claims too!

Click here to get a pet quote

* These policies are online only

Insurance underwritten by Aviva Insurance Limited. Registered in Scotland No. 2116. Registered office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Teachers Building Society – Provider of specialist mortgages for teachers

Teachers Building Society was founded by the NUT in 1966 to help teachers onto the property ladder. That aim still holds true today, and we work hard to ensure that our products reflect the needs of teachers and other education professionals across England and Wales. We are proud to be one of the Union’s family of providers.

Teacher-tailored mortgages
We can often help where others won’t: our underwriting is bespoke and designed around our understanding of the working hours, pay system and employment contracts of teachers.

All NUT members receive £100 cash back when they take out a mortgage with us.

And we can lend to NQTs one month before they start their post so you can move into your new home – ready for the start of term in September.

A personal service
We provide an efficient, professional service with a truly personal touch. Whether you are looking for a mortgage or a safe haven for your savings, our friendly and experienced staff are on hand to help

  • We offer mortgages to cover a teacher’s lifecycle, from the start of their career right through to retirement
  • We treat you as an individual and assess each mortgage application on its own merits
  • We consider NQTs and can even release the mortgage funds up to one month before the start of a first post
  • We understand the education sector and design our products to meet the needs of teachers, their contracts and pay scales
  • We offer a range of savings products, including Cash ISAs and easy access accounts
  • We're committed to remaining a mutual organisation run for the benefit of our members, not shareholders
  • We have no automated telephone system: your call will always get straight through to a friendly advisor

Call us on 0800 378 669 to discuss your mortgage needs.

Savings for teachers
We offer a range of savings plans for teachers all over the UK and we regularly feature in the Best Buy tables for our savings accounts.

Our savings products include ISAs and easy access savings accounts, we also introduce fixed rate bonds and other savings accounts when the customer need arises.

Call us to discuss your savings options on 0800 783 2367.

Visit our website

Or write to us at Allenview House, Hanham Road, Wimborne, Dorset BH21 1AG



Teachers Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration Number 156580. Allenview House, Hanham Road, Wimborne, Dorset, BH21 1AG.

Lighthouse Financial Advice Limited

Financial peace of mind – make it happen!

You work hard for your money but is your money working hard for you? Maybe you know you should be doing something about your finances but don’t know who to turn to for advice you can trust.

As the National Education Union’s NUT section preferred partner for personal financial advice, we can help you whatever your circumstances. As you would expect, we have a detailed understanding of the Teachers’ Pension Scheme and the advice we provide is practical, affordable and specific to you and could improve your financial situation.

Complimentary, initial financial check-up

Members of the National Education Union NUT section are entitled to a no obligation, complimentary, initial consultation with one of our professional advisers. They will ask you about your circumstances and objectives and explain whether you could benefit from advice on issues such as:

  • building up a nest-egg tax-efficiently, for yourself or for your children or grandchildren
  • protecting your family’s income, so they have enough money if the worst happens
  • boosting your pension provision, so you will be able to enjoy a comfortable retirement
  • taking your pension and getting the best possible income
  • passing on your wealth to your loved ones in a tax-efficient way

Call freephone 0800 085 85 90, visit the Lighthouse website or email to arrange your complimentary, no obligation, initial appointment.

The value of your investments can go down as well as up, so you could get back less than you invested. A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. Tax advice which contains no investment element is not regulated by the Financial Conduct Authority.

Lighthouse Financial Advice Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority. Lighthouse Financial Advice Limited and Lighthouse Advisory Services Limited are wholly owned subsidiaries of Lighthouse Group plc. Registered address: 26 Throgmorton Street, London EC2N 2AN. Registered in England No. 4795080.


Your NUT membership card is also your Countdown shopping discount card, which you can use to access thousands of money-saving offers across the UK and save £100s per year.

You can now access over 16,000 local offers in your area such as takeaways, hairdressers and drycleaners, together with 100s of great national savings on holidays, discounted gift cards at popular high street stores, supermarkets and restaurants. Plus, you can even earn cash back while you shop and also save up to 90% on famous and luxury brands of watches, jewellery, cosmetics, gifts, household goods and much more from the Countdown Stores!

Need help or advice? Contact Countdown Customer Services:

Our team of friendly advisors are available to answer any of your questions about offers or to help you with using the website and printed guide.

  • Help with registration or finding offers.
  • Buying or topping-up discounted gift cards or vouchers.
  • Information on terms and conditions.
  • General advice and support using the website
  • Recommending or referring a retailer for NUT discounts.

*Calls to 0844 phone numbers cost up to 5p a minute from landlines at all times of the day. Rates from mobiles may vary.

Utility Warehouse Discount Club

Utility Warehouse
Discount Club

Save money on your household bills

The Union is an Independent Representative for Utility Warehouse, which has a fine reputation for providing its members with great value, great savings and the best possible customer service with their award-winning UK-based customer service team.

Who is Utility Warehouse?

Utility Warehouse provides over 600,000 customers throughout the UK with substantial savings on a wide range of utility services including home phone, broadband, mobile, gas, electricity and insurance.

Utility Warehouse is operated by Telecom Plus PLC, a major British company, listed on the London Stock Exchange FTSE 250.
You may not have heard of Utility Warehouse before, as they do not advertise. The company doesn’t have any high street shops and they don’t waste customers’ money on expensive advertising campaigns on TV or in the national press.

Instead they rely on satisfied customers and independent distributors letting their friends and family know about the great value services they deliver.

Utility Warehouse don’t do introductory offers to entice new customers that suddenly go up in price after a few months. All their members benefit from consistently good value and great customer service, for as long as they remain a customer.
Why Utility Warehouse?

The NEU wants to ensure you have access to great value products and services and make savings on your everyday utilities. Using the Utility Warehouse’s great range of products and services, you can shrink your bills.

What do they offer?

As a Utility Warehouse Discount Club member you could benefit from:

  • All of your services on one monthly bill
  • Cheaper gas and electricity

Utility Warehouse doesn’t charge any unfair cancellation fees. So you can try them out with peace of mind.
For full details, please call the Utility Warehouse’s team on 0333 777 3212. Their friendly advisors will explain all the benefits of using their services and they promise that there will be no hard sell.

Please quote our reference ‘E54727’.

Alternatively, you can find more details and sign up online on our Utility Warehouse website:

Self employed insurance

The normal business of any union is, of course, to represent its members to their employers and to deal with members' problems arising in the course of their employment. The National Union of Teachers, however, does more than that. As a union of qualified teachers working across the spectrum of education services, it has some members who are self employed. The NUT provides additional benefits to this group of members.

When self-employed members face problems of the kind they would face as employed teachers, for example, false accusations made against them by their students or accidents in the course of their work for which someone else is liable, the NUT provides the same assistance.

However, self employed members have additional and different issues with which they have to deal. Some things we cannot deal with in exchange for a membership subscription. We cannot, for example, extend our support and assistance to a self employed member's business or company legal affairs.

We can, however, assist in relieving self employed members of some of the costs associated with their businesses. One of these costs is insurance.

Union membership alone does not provide insurance cover for professional indemnity (cover for financial loss resulting from advice or services given by a professional for a fee) and public liability (the legal liability owed to any third party as a result of negligence relating to the business and its activities e.g. a client being injured on the member's premises). We can, however, offer preferential premiums for this type of insurance through an arrangement with an insurance specialist, the Alan Boswell Group.

The NUT has asked the Alan Boswell Group to develop a policy to protect self employed members by offering a combined public liability and professional indemnity policy at significantly reduced premiums, starting at £50 a year. This policy will provide cover for legal defence costs and awards of compensation in respect of legal liability.

To keep premium costs down the scheme is transacted fully online. For full details and to take out a policy simply click on to the Alan Boswell Group website at

Alan Boswell Insurance Brokers Limited is authorised and regulated by the Financial Services Authority.

Tax Refund Company

Tax refund company

The Tax Refund Company has been providing a tax code review service for the NUT since 1998. Since then NUT members have received over £9 million in tax refunds from HMRC. The Tax Refund Company says that few members thought they were due a refund when they applied as most teachers assume that their employer is deducting the correct amount of income tax through PAYE.

However, for those providing the requested information, the average refund is currently £226.10 whilst the highest individual refund is over £9,166.

Over 41,000 NUT members have had money back after using the Union’s Tax Refund Service, provided by the tax experts at The Tax Refund Company.

The main points to note are:

tick If you do not get a refund, there is nothing to pay – the service will be FREE
tick If you do get a refund, there is a fee of £38 if your refund is under £100*, or 38p for each £1 refunded where you receive over £100
tick It is your job to make sure HMRC has given your employer the right tax code
tick The service will check your tax code for this year and up to the last 4 years
tick You will find out if you’ve paid more tax than necessary
tick You will get back any tax that is rightfully yours
tick This service is totally confidential

To discover if you are due some money back, apply online at

*If for any reason your refund is under £38, you will have nothing more to pay.

NUT Legal Plus

For all work related matters the Union provides a high quality, award winning legal support service for members.

We have joined with Thompsons Solicitors, the UK's most experienced personal injury and trade union law firm, to provide a service for a fee for legal matters outside work in the following areas: personal injury, will writing, probate, powers of attorney and conveyancing.

Members and family member personal injury cases are funded by a conditional fee agreement which means that the injured person doesn't have to pay anything. Unlike many solicitors, Thompsons is expert at dealing with complex personal injury claims. Because Thompsons refuses as a point of principle to work for insurance companies, it is never compromised into settling a claim for less than the full value.

To find out more contact Legal Plus on 0800 1696660 or click through to the Thompsons website

Teachers Building Society NQT mortgages