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University Insurance for Employees
The University has a blanket policy which covers personal accident, motor vehicles and overseas travel. Further details are available on the Finance web pages.
Benefits are payable to employees injured in the event of death or major disablement. Cover is for occupational accidents only. This includes business journeys from departure to return (to home or work whichever is the least).
|Death||£10,000 or 3 times salary, whichever is greater|
|Loss of limb(s)||£10,000 or 3 times salary, whichever is greater|
|Loss of eye(s)||£10,000 or 3 times salary, whichever is greater|
|Permanent total disablement||£10,000 or 3 times salary, whichever is greater|
|Permanent loss of speech/total deafness in both ears||£10,000 or 3 times salary, whichever is greater|
|Permanent partial disablement||Proportionately lower benefits|
|Temporary total disablement (limit 104 weeks)||1/52nd x annual salary or £1,000, whichever is the less|
When staff use their private vehicles on University business they are NOT covered under the University Motor Insurance Policy. It is the employee's responsibility to ensure that his or her own insurance policy covers them whilst using their vehicle on University business since the University will not accept any responsibility or liability in the event of any occurrence giving rise to a claim. There is provision in the motor mileage allowance for individuals to arrange adequate 'Business Use' cover.
It is important for staff to check their insurance policies very carefully, and to be particularly clear about what is meant by 'Business Use', and who it covers. For example, there are a number of policies which only cover the policy holder for business use. If a person is a named driver on their spouse's policy, they may not be covered for business use.
The definition 'Business Use' would cover any journey other than to and from the normal place of work, and the usual Social, Domestic and Pleasure clause applicable to virtually all policies. The normal place of work would be Newton Park or Sion Hill, or Corsham Court, and journeys between these sites would constitute journeys to and from work, however, it would be advisable for staff to check this point with their insurers if appropriate.
Staff who use their private vehicle on University business without 'Business Use' cover, do so at their own risk.
Claims for travel by car
Staff who use their car on University business are responsible for ensuring they are properly insured to do so. Mileage allowances paid by the University include reimbursement for appropriate insurance cover. Further details are available from the Finance pages.
Insurance for Vehicles maintained by the University and whose use is authorised by the University
Cover - comprehensive but £250 (excess) accidental damage deductible.
Any authorised driver except in the case of minibuses and coaches where drivers must be 21 years of age. Additional excess of £150 applies where drivers are under 25.
Applies to: cars, commercial vehicles, minibuses, coaches, special types.
Convictions past and future must be advised to the Student Services Accountant. Vehicles may be hired insured but at extra cost. Green cards also at additional cost for University vehicles only - where applicable. Cover applies throughout the countries of the EU and in the Czech Republic, Hungary, Liechtenstein, Norway, Slovakia, Slovenia and Switzerland.
All employees on authorised overseas business travel for all journeys outside England, Scotland and Wales. Cover applies 24 hours a day from departure to return.
- Medical expenses - unlimited
- Emergency travel - unlimited
- Baggage (limit any one item £500) - £2,000
- Money and credit cards - £2,000
- Baggage and money claims are only covered where the loss exceeds £25. Medical Expenses, Cancellation/Curtailment and baggage claims are only covered where the loss exceeds £50
- Travelling against medical advice
A letter confirming cover, for use in the event of the need for medical care, will be issued (on request to the Finance Department), together with guidance notes.
In all cases, the Student Services Accountant is the point of contact for all insurance claims, queries, or further information.
Under normal circumstances the University cannot be held responsible for:
- Loss of personal property on University premises.
- Accidents to visitors on University property
- Accidents involving private vehicles on University premises.