Benefits and services

The NUT Benevolent Fund
The NUT Benevolent Fund was established in 2015 to provide financial assistance to NUT members when they have suffered sickness, accident or injury, unemployment or bereavement. Most grants will be to assist with short term financial emergencies so that essential but unaffordable goods or services can be paid for. More substantial applications will also be considered in cases of serious need and misfortune. The NUTBF is available to all members and dependants of members who have been in full membership for at least one year. More information about the NUTBF.

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.

Insurance

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 NUTBF@nut.org.uk.

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

  • Thousands of shopping and leisure discounts
  • savings, investments and insurance
  • home and content insurance
  • mortgage and savings
  • legal services
  • car and home insurance
  • motor breakdown and recovery service
  • 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

Aviva

NUT has teamed up with Aviva to offer you home, car and trave 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 aviva.co.uk and you’ll be supporting your union by doing so.

Home insurance with the best Aviva.co.uk prices

Why choose Aviva?

We know that making a house 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.

Make sure you complete your quote online to save up to 20%*

Click here to get a home quote

Car insurance with the best Aviva.co.uk 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.

Make sure you complete your quote online to save up to 18%*

Click here to get a car quote

Travel insurance with the best Aviva.co.uk 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

*10% of customers are expected to receive the maximum saving. Discount depends on individual circumstances and does not apply to optional extras. Minimum price applies.

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.

LV= Liverpool Victoria, life insurance, retirement seminars, financial advice, home insurance, breakdown cover

Description: LV ad

  • Award winning life insurance cover from £5 per month from LV=. Get a quote today and let our cover protect you, your family and loved ones. Call 0800 756 8520 or
  • Free retirement seminars to assist teachers in making the most of their tax-free* lump sum and understanding their pension options at retirement.  To book a place please
  • A tailored financial advice service for teachers approaching retirement, providing advice on a wide range of pension, retirement and investment solutions. Call today on 0800 032 8875.  (for questions on the teachers final salary pension call Teachers Pensions on 0345 6066166 *Based on current HMRC rules as at 18 May 2016 which may be subject to change in the future.
  • According to YouGov, LV= are the UK's most recommended insurer* and are delighted to now offer NUT members defaqto five star rated home insurance with an exclusive discount. For more information or to get a quote
    or call 0800 313 4138. (Calls may be recorded, lines open Mon-Fri 8am-9pm, Sat 8am-5pm, Sun 9am-5pm). *Research from YouGov BrandIndex using ‘Recommend’ measure conducted online between June 2015 and May 2016, sample size 32,328
  • Exclusive NUT discount on breakdown cover from LV= Britannia Rescue. Choose from three levels of cover, standard cover just £61 a year.
    or call 0800 022 3953.Calls may be recorded, lines open Mon-Fri 8am-8pm, Sat-Sun 8am-5pm. NUT acts as an Introducer Appointed Representative to the Liverpool Victoria group of companies for General Insurance

 

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.

NUT Exclusive Mortgage
Low-deposit mortgage for NUT members

Teacher Contract Mortgage
For teaching professionals working on a contractual basis

Teacher Back on Track Mortgage
For teachers and education professionals who have a financial glitch in their credit history

Teacher Later Years Mortgage
For teachers who are retired or approaching retirement (maximum age at time of application is 70)

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 teachersbs.co.uk

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

FACEBOOK: facebook.com/teachersbs

TWITTER: twitter.com/teachersbs

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.

Countdown

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!

Win an iPad!
If you register your NUT membership card on the Countdown website before 29 February 2016 you’ll be entered in to a draw to win an iPad mini! Simply visit www.countdowncard.com/nut to register. 

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

New for 2010 – The Utility Warehouse Discount Club

The NUT is delighted to introduce the Utility Warehouse Discount Club. Committed to adding value to your NUT membership, we have become an Independent Representative for the Utility Warehouse, which has a fine reputation for providing their members with great value, great savings and the best possible customer service with their award-winning UK-based customer service team.

Who is the Utility Warehouse Discount Club?

The Utility Warehouse provides over 300,000 customers throughout the UK with substantial savings on a wide range of utility services including home phone, mobile, broadband, gas, electricity and non-geographic numbers.

The Utility Warehouse Discount Club is operated by Telecom plus PLC, a major British company, listed on the London Stock Exchange. Telecom plus was named ‘Company of the Year’ at the PLC Awards in 2009.

You may not have heard of the Utility Warehouse Discount Club before, as they do not advertise. The Utility Warehouse doesn’t have any high street shops, their systems are very efficient and they don’t waste their customers’ money on expensive advertising campaigns on TV or in the National Press. This means they can afford to charge their customers less than their competitors do for the same services. Instead they rely on satisfied customers letting their friends and family know about the great
value services they deliver.

The 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 at all times, for as long as they remain a customer.

Why the Utility Warehouse Discount Club?

The NUT wants to ensure you have access to great value products and services and make savings against 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 member of The Utility Warehouse Discount Club you could benefit from:

• Free calls to UK and international numbers
• Best value broadband and phone packages
• Savings of over £50 on your line rental
• Cheaper gas and electricity
• UK’s best value mobile services
• 5% CashBack on your petrol and shopping
• Unique customer discount plan
• Exclusive membership discounts
• Discounts on your online shopping across 1000’s of retailers

There is no minimum contract on most of the services they provide. So you can try them out risk free!

Typical Household Saving - The Utility Warehouse calculate that a typical household can over £870 a year with them. For full details, please call the Utility Warehouse’s dedicated team on 0800 131 3000 and ask them how! Please quote reference “E54727” or “NUT”. They promise that there will be no hard sell.

5% CashBack - You can also save 20-30% on your household bills every month, by shopping! The Utility Warehouse CashBack card is available exclusively to members of the Utility Warehouse Discount Club. It enables you to earn 5% CashBack on all of your shopping at thousands of stores throughout the UK including Sainsbury’s, Boots, Argos, B&Q and Debenhams and many more.

Discounts on online shopping – You can shrink your bills further using the Utility Warehouse’s exclusive online comparison site. Not only will you be able to find the cheapest products in the UK but you will also receive discounts from 1000’s of retailers!

Single Bill - The Utility Warehouse is the only multi-utility provider that puts all your services onto a simple, single monthly bill. This is a fantastic benefit – it helps with budgeting, it’s clear and easy to understand and it cuts down on paperwork. You can also opt for e-billing if you prefer!

Customer Service is Key

The Utility Warehouse call centre is in North London and they answer over 90% of calls within 15 seconds. They understand the importance of customer service and work hard to deliver excellence in this area. Perhaps it’s not surprising that in a recent survey, over 94% of Utility Warehouse customers said they would recommend them to a friend.

Join the Utility Warehouse Discount Club

To join call 0800 131 3000 and speak to one of the Utility Warehouse Discount Club’s friendly advisors who will explain all the benefits of using their services and they promise that there will be no hard sell. Don’t forget to quote reference “E54727” or “NUT”.

Alternatively you can obtain more details and sign up online at our authorised website at www.telecomplus.org.uk/E54727

0800 1313000 (quote reference “E54727” or “NUT”)
www.telecomplus.org.uk/E54727

All information is correct at the time of printing. For various legal, regulatory and service requirements your telephone call may be recorded or monitored.

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 www.alanboswell.com/nut.

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

Tax Refund Company

Tax Code Reviews

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 HM Revenue. 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 £231 whilst the highest individual refund is over £9,166.

Over 104,000 members have applied for the tax code review service and it continues to be extremely successful. If you have not used it yet, you may wish to give it serious consideration.

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
  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 taxrebates.com/ref/nutws

*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 www.thompsons.law.co.uk

Teachers Assurance

On 01 June 2016 LV=, the UK’s largest friendly society and a leading financial mutual completed a deal to transfer in the business engagements of Teachers Provident Society (which traded as Teachers Assurance).  Existing Teachers Assurance policies will continue with the same terms and conditions.  When your Policy is due to mature, or comes up for renewal you will be contacted by LV= and have the opportunity to purchase a similar product from LV= (please note this excludes unit trusts which Teachers Assurance transferred to Columbia Threadneedle Investments).

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