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FAQs on General Insurance

If you have any queries relating to insurance please contact the Insurance Office.

  1. Where do I get proof of Insurance if I am asked for it?
  2. How do I make a claim?
  3. Are my personal belongings covered if they are stolen on University grounds?
  4. Are my personal belongings covered while travelling on University Business?
  5. What Insurance cover do we have for Student Placements / Field Trips / Site Visits?
  6. What if the Placement is not an essential part, or a requirement of, the course?
  7. What Insurance do we have for University property?
  8. Why do the Insurance Policies expire on the 1st November every year?
  9. I have a contract that needs checking for insurance.
  10. What about insurance for construction/building works have been contracted out?
  11. Am I insured while travelling to and from work?
  12. Who is responsible for the excess that is deducted from a claim?


Where do I get proof of Insurance if I am asked for it?

If you are completing a form that asks for details on our Public Liability or another policy, please see the Insurance Policies table.  If you require certificates for insurance, please email the Insurance Office.


How do I make a claim?

Contact the Insurance Office and you will be advised on your eligibility to claim. You will then be provided with a claim form and advised of the excess amount that applies.


Are my personal belongings covered if they are stolen on University grounds?

In the first instance you are directed to contact your home contents insurer to check cover for your belongings while outside of the home. Domestic policies generally carry excesses of $100 or less.

If no claim can be made on your home policy, some personal belongings may be covered under the University�s Industrial Special Risks Property policy.  These include items you normally carry or store at your workplace for business use.

The excess amount (deductible) on claims for personal belongings on the University policy is $1,000.

All losses should be reported to Security and in the case of an insurance claim you are also required to report your loss to police (the police report number will be required for your claim).

Contact the Insurance Office if you would like to discuss the potential of a claim.


Are my personal belongings covered while travelling on University Business?

In most circumstances. Please see Travel Insurance FAQs.


What Insurance cover do we have for Student Placements / Field Trips / Site Visits?

The University's Public Liability, Professional Indemnity and Personal Accident policies extend to cover students while on University approved placement.  Please refer to the Insurance for Student Placements and FAQs  pages for full details.


What if the Placement is not an essential part, or a requirement of, the course?

The University may be able to offer Insurance coverage for students who undertake placements/voluntary work outside of curriculum, provided that the placement is relevant to the student�s program of study.

Please refer to the FAQs Insurance for Students on  Placement page for full details.


What Insurance do we have for University property?

The University holds Industrial Special Risks (Property) insurance to cover all University property.  Please see Details of Insurance Policies and read the summary on Industrial Special Risks.

While travelling on University business, any standard property taken with you receives cover under the Travel Insurance policy which carries a lower excess.  For details on travel insurance please see our travel insurance summary (PDF 50 kb - download Adobe Acrobat).


Why do the Insurance Policies expire on the 1st November every year?

Insurance is purchased annually on the 1st of November.  Prior to renewal, insurance policies are reviewed to ensure the levels of cover and benefits are appropriate to the University's business.  The Insurance Office conducts an annual uni-wide survey to collect information on our existing and proposed activities, and update our statistics and asset values. This information is used by our insurance broker to source appropriate cover from the insurance market.

It is possible that on renewal of our insurance on the 1st of November there could be changes to our cover, such as a change in insurer, policy number or limit of liability.  Certificates of Currency are issued each year with our current policy information.


I have a contract that needs checking for insurance

Forward all contracts requiring an insurance approval or review of indemnity clause to the Insurance Office by email.  Please allow 5 working days for a response.


What about insurance for construction/building works have been contracted out?

Projects under $2 million:
Contract building works under $2 million are automatically covered by the University's insurance.  Cover is specific to the project only.  Contractors are required to hold their own Public Liability insurance, otherwise they will run an uninsured exposure for incidents arising out of their negligence.

Projects over $2 million:
Building works greater than $2 million are required to be individually insured.  This is usually done through the contractor.

Contractors are required to hold the following liability insurance:


Am I insured while travelling to and from work?

The University purchases Journey insurance which covers staff members travelling on a direct journey to and from work. 

The policy is designed to cover death, disablement or loss of income following an accident.  

Staff injured as a third party involved in a Motor Vehicle accident would be eligible to claim under the Compulsory Third Party Bodily Injury insurance included in vehicle registration before attempting to claim against the University�s Personal Accident insurance.


Who is responsible for the excess that is deducted from a claim?

Generally any excess deducted on settlement of a claim is borne by the cost centre making the claim.

For personal claims, such as travel insurance claims, staff can negotiate with their cost centre manager to have their excess reimbursed.

Where a claim is made by a Student, the Student is responsible for any excess.

 

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