This page provides information on University insurance policies. For help of information please contact insurance@abdn.ac.uk

Travel

If you are travelling on University business in the UK or overseas, and are planning flights and accommodation, you must complete a travel insurance application.  Once completed, you will receive an acknowledgement including the University’s policy number that can be used to access AIG’s travel assistance services, including the app.

For staff planning travel in the UK or overseas involving flights and/or an overnight stay, the University’s travel insurance provider AIG offers policyholders access to a range of travel assistance services. This includes a free app which carries several useful features, including:

  • One Touch ‘Help’ Phone Button connects travellers directly to emergency travel assistance.
  • Medical Translations Tool translates medical terms and phrases into multiple languages.
  • Drug Brand Equivalency Tool generates drug brand names and their equivalent names for multiple countries.
  • Security Travel Alerts contain security level developments that may affect your travel destination(s) (subscribed travel alerts will be sent to the registered user’s email address).

More information about the range of services provided by the AIG Travel Assistance App, along with download information, can be found here

Other policies held by the University are

  • Professional Indemnity
  • Directors and Officers Liability
  • Clinical Trials

Separate cover must be arranged for anything else. Please contact Insurance.

Liability

The University has in place employers' and public liability insurance.

The public liability policy covers the University's legal liability for injury or damage to third parties or third party property. This includes:

  • Visitors to the University
  • Students and staff engaged on field-work outwith the University, including overseas, but refer to the travel section for further guidance

The University's liability insurance extends to cover work placements within the University.

For student work placements outwith the University, the placement provider will be required to have in place adequate employers' and public liability insurance prior to the commencement of a work placement.

Motor

Anyone driving a vehicle on University business must complete a Driver Declaration Form

Scope of Cover

Risks Insured

Comprehensive risks incorporating:

  • Loss or damage to the vehicle including fire, theft and windscreen breakage
  • Legal liability for death or injury to any third party and loss or damage to third party property
  • Legal liability of and to passengers

Vehicles Insured

  • Any motor car, minibus or commercial vehicle the property of or on hire or loan or leased to the University - This does not include any vehicle registered elsewhere than in the United Kingdom
  • Employees vehicles are specifically excluded

Persons Entitled to Drive

Anyone who has the University's permission to drive and holds an approved Driver Declaration Form.

If you do not have a University login, you can submit a paper version of the form.

Limitations to Use

Motor cars and commercial vehicles

  • Social, domestic and pleasure purposes
  • For University business

Minibuses

  • For University business

Geographical Limits

  • The territorial limits
  • any other member country of the European Union
  • any other country in respect of which the Commission of the European Union is satisfied that arrangements have been made to meet the requirements of Article 7(2) of the EU Directive on insurance of civil liabilities arising from the use of motor vehicles (number 72/166/EEC)
  • any other country but only during any period for which the insured has requested and the insurer has agreed to extend cover for 6the use oif the Vehicle in that country.

Any other country required must be referred to the insurers, and a green card should be requested.

Excesses

  • The excess is currently £250
To make a claim

    If you require to make a claim, or report an incident, please email the Insurance section.

Further information

Guidance on Who Can Drive a University Vehicle

To be covered by the University’s motor insurance, anyone who drives a University vehicle must:

Obtain the University’s permission to drive
Have completed a  Driver Declaration form, which has been approved
Satisfy the age and driving experience conditions
UK licence must have been held for a minimum of one year, other than for minibuses
UK licence must have been held for a minimum of three years for minibuses

Guidance Notes on Licences

Licences from EC countries allow holder to drive for up to 5 years in the UK, without sitting a UK test. Minimum driving experience required is as for UK licence holder.

Licences from non-EC countries allow holder to drive for up to one year in the UK, without sitting a UK test. Minimum driving experience required is as for UK licence holder.

Guidance Notes on Age

Minimum age is 18, other than for minibuses
Minimum age for minibuses is 21

Health and Safety Guidance Notes

Property
Scope of Cover

The University has cover on Buildings and Contents.

Definitions

Buildings are defined as all premises owned or occupied by the University in connection with the business, and includes landlord’s fixtures and fittings, walls, gates, fences etc.

Contents are defined as business equipment, plant, machinery, furniture, fixtures and fittings and all other contents belonging to the University or for which they are responsible, contained in the premises. This includes hired or borrowed property. Temporary removal is also covered.

Property on Loan to the University

Property on temporary loan to the University is covered up to a maximum of £250,000 on any one loss, subject to the £10,000 excess.

Property temporarily removed from the University

The following are insured while temporarily removed from the premises anywhere in the world including while in transit:

  • deeds and other documents, manuscripts, plans and writings of every description and books but excluding computer system records and subject to a maximum liability of £50,000 any one loss
  • photographic, scientific, audio-visual and similar equipment on field trips up to a maximum value of £250,000 any one trip and subject to a maximum value of £50,000 any one item
  • other contents but excluding stock or goods in process of manufacture and subject to a mximum liability of £250,000 any one event.

This special provision does not apply to:

  • property in so far as it is otherwise insured
  • motor vehicles and motor chassis licenced for road use
  • property outside the territorial limits when not in use unless kept secure and out of sight
  • property in aircraft unless carried as hand luggage.

For more information see the Property Policy Summary

Goods-in-transit
Information to follow soon
Incident Claim Procedure

The University has insurance cover on Buildings and Contents.

There are two important policy conditions:

  • Any claim must be reported within 30 days
  • Theft, attempted theft, vehicle impact damage and malicious damage must be notified to the police

As the policy excess is £10,000, claims cannot be made for incidents where costs are less than this. Where costs are likely to exceed £10,000, the Insurers (Zurich Municipal) must be notified immediately as they require a Loss Adjuster to be involved.

Damage to Buildings – Accidental

Estates Department are notified in the first instance. They will arrange for a Loss Adjuster to be involved, and will deal with all aspects of the claim. Estates will also notify the Insurance Section of the incident.

Damage to Buildings – Malicious

Where an incident is reported to Security, and a Crime/Incident Report has been completed, there is no requirement on the department/s concerned to do anything further. The Security manager will check the incident log, and, in conjunction with Estates, notify the Insurance Section of any incident for which an insurance claim can be made. This will ensure that only one claim is made for an incident that may involve damage to a building (which Estates would handle), and damage to or loss of property belonging to one or more departments.

Other Damage or Loss

If an incident occurs which does not fall within the above two categories, the Insurance Section should be notified. If appropriate, they will issue a claim form, which should be completed and returned as soon as possible.

To submit a claim, you should try to obtain the following information:

  • Date and time of incident
  • Location
  • Cause
  • Damage
  • Witnesses
  • When was the damage notified and by whom
  • Estimate of repair costs