Insurance

If you require assistance while abroad, call the GlobeCover Helpline (24 hour service) in the first instance on +44 (0) 1273 401 950 .

In the event of an insured person incurring costs as a result of an incident which is covered by insurance, a claim form should be requested from the Insurance Section.

The claim form should be completed and returned to the Insurance section as quickly as possible. All relevant receipts and other documents should be attached to the claim form.

You should give a contact address - preferably an email address - so you can be contacted in case of queries.

The claim will be submitted to the University's insurance brokers, who will deal with the insurance company.

You will be advised of the outcome of the claim and reimbursement of any personal costs paid by the Insurers will be made.

The University has in place medical expenses, personal accident and liability insurance cover for students and staff on overseas trips. Routine overseas field trips are included within the cover, but trips / expeditions that are out of the ordinary must be notified to the Insurer in advance of the trip in order to obtain Insurer approval.

There is not a specific policy definition as to what constitutes 'out of the ordinary' but as there is a duty of disclosure on the part of the Insured, the location, purpose and nature of the trip should be advised to the insurance section, who can seek advice from the Insurer.

Points to note about the existing cover are:

• Medical and Emergency Travel Expenses are covered, but only if an insured person is injured or becomes ill during the period of the trip.
• Rescue Expenses are covered, but only if an insured person is injured or becomes ill during the period of the trip. There is no cover for rescue without an insured person being injured or becoming ill - eg search and rescue expenses are not covered.

The University's insurers are unable to provide specific Search & Rescue cover, but further information can be obtained via the British Mountaineering Council if appropriate to the trip.

• The University's public liability policy provides legal liability cover for third party injury or damage arising out of authorised University activities. There is no cover for a financial loss by a third party arising out of a University organised trip.

Cover under the University's travel insurances is available only to staff and students of the University participating in trips/expeditions which have been

• authorised by the University
• in connection with the business of the University

Please note that these conditions will not necessarily be met by the University providing funds in support of a trip/expedition.

Staff travelling overseas should make sure they have completed the Field Trip and Travel Risk Assessment: Field Trip and Travel Risk Assessment

Guidance

As part of the travel insurance policy, AIG Europe Ltd provide country guides, advice and guidance for destinations throughout the world, and a variety of other assistance services, through GlobeCover.

• To register for this service, go to: https://travelguard.secure.force.com/TravelAssistance/TGPreLoginHomePage?PL=AIG UK

Once you have registered, watch the AIG Security Videos and gain certificate if not watched before

• https://travelguard.secure.force.com/TravelAssistance/TGTravelSecuritySecurityVideos?PL=AIG UK&sfdc.tabName=01rA0000000iOvO&cid=

In addition to the insurance protection provided by a LifeLine Plus policy, our business travellers have access to a range of additional travel resources. Find out more ...

AIG Travel Assistance App

• Download the AIG Travel Assistance App

The mobile app puts a world of valuable information and assistance in the palm of your hand, 24/7. Benefits include:

• A quick-call help button connects you to the emergency medical and travel assistance
• Claims information and contact details
• Country reports and travel security advice

Insurers Will not be Liable for any Claim

• Where the insured person is travelling against the advice of a Qualified Medical Practitioner
• Where the purpose of the Journey is to receive medical treatment or advice
• Any expenses which are recovered from any national Insurance programme which is applicable to the Insured Person
• Any expenses incurred after 12 months from:
  • return to the United Kingdom or Country of Domicile in respect of expenses of on-going medical treatment as an In-Patient; or
  • the time of the incurring or first expense inh respect of other expenses

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.

• Online Driver Declaration Form (requires University login)

The following information is required for all vehicle hires:

• Vehicle registration number
• Make
• Model
• Hire period start date
• Hire period end date (if known)

please complete the vehicle details form here and upload the photos to the form or email the photos to insurance-helpdesk@abdn.ac.uk and the insurance team will arrange the appropriate cover.

If you do not have a University login, please email insurance@abdn.ac.uk for advice

Limitations to Use

Motor cars and commercial vehicles

• 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

• See Vehicle Accident Claim Procedure

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

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

• Vehicles
• Minibuses

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 £20,000 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 licensed 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

The University has insurance cover on Buildings and Contents.

• Summary of the University Property Policy

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 £20,000, claims cannot be made for incidents where costs are less than this. Where costs are likely to exceed £20,000, 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