General Insurance

All insurance policies are subject to policy definitions, limits of liability, duty of disclosure, cover benefits and conditions and applicable excesses. These may not all be listed on this website. Changes to the Insurance Policies may occur throughout the policy year.

For further information visit the General Insurance FAQs page.

If you have any other questions, or require details of any University insurance policy please contact the Insurance Office ph +61 8 8302 1678.

Liability insurance policies have limitations regarding USA and Canada.
No admission of liability is to be made to third parties.
UniSA has a Duty of Disclosure which obligates us to notify the Insurer of any activities that may increase their risk, or possibly give rise to a future claim. Therefore you must declare any major changes in your areas activities and any incidents that have occurred.
Policies expire on 01/11 each year with the exception of Medical Malpractice insurance which expires on 01/08.

Summary of Policies

  • Insurer: Unimutual
  • Policy No: UNISA 18 CT

This policy provides cover for UniSA clinical trial or research participants that suffer an injury or adverse reaction even when no party is at fault. Compensation is based on pain and suffering, loss of future earnings and medical costs.

If Clinical Trials insurance is required, you must seek confirmation of cover for your Research Project from the Insurance Office.

Insurer: Chubb Insurance Ltd

Policy No: Staff (this policy applies to PhD students): 03PP005662 | Students: 03PP006335

UniSA will automatically insure the following persons while travelling on behalf of UniSA:

  • Staff
  • Senior staff spouse and children
  • Students undertaking study related travel
  • Research students
  • Non-employees for whom the University arranges and in most cases funds travel (such as contracted staff etc)

You must check cover with the Insurance Office prior to travelling if:

Your trip exceeds 180 days;

Over 50% of your journey is personal travel (use the travel calculator to work out your total travelling days - personal travel vs business travel);

You are over 75; and/or

You have an existing medical condition which could possibly require treatment or medication while travelling.

Further information:

  • Insurer: Zurich Australian Insurance Ltd
  • Policy No: 42 EP00040 GNX

This policy covers losses a Director or Officer has become legally obligated to pay on account of any claim against them for wrongful acts committed before or during the policy period while acting on behalf of UniSA.

Cover is also provided for persons holding outside directorships with the knowledge and consent of UniSA (written authorisation should be obtained for outside directorships that have University approval).

  • Insurer: Lloyds of London

Covering:

  1. The University's permanent art collection, Samstag Museum of Art, as per declared schedule.
  2. Exhibitions as declared to the Insurance Office. (This must be done at least 5 days prior for cover to be placed and confirmed).

This policy holds a nil excess therefore any loss amount will be claimable.

  • Insurers: Unimutual
  • Policy No: UNISA 18 PR

This policy covers loss, destruction or damage to property that the University owns or has accepted responsibility to insure prior to the loss, destruction or damage.

For example theft and damage of University equipment, cost of replacing/changing locks after loss of keys etc.

This policy contains a number of sub-limits and differing excess amounts, however the standard excess is $10,000 for loss of University property.

  • Insurer: Chubb Insurance Limited
  • Policy No: 03PJ005685

This policy is designed to cover death, disablement or loss of income (subject to a 7 day excess) following an accident while travelling directly to or from work. The policy has been extended to also cover authorised meal breaks.

If you are the third party involved in a Motor Vehicle accident you would claim under the Compulsory Third Party Bodily Injury insurance included in vehicle registration before attempting to claim against the University's Journey insurance.

All staff who suffer an accident whilst in the workplace are directed to contact Human Resources for advice on Workers Compensation (also for a definition on "workplace").

 

  • Insurer: Vero Insurance Ltd
  • Policy No: LPP104115941

This policy serves to cover the University's staff and students for possible medical negligence exposure (excluding clinical trials which are insured under a separate Clinical Trials policy).

This policy will also provide cover when the University's staff and students are providing a professional service on behalf of UniSA that could possibly result in death or bodily injury.

We must hold Medical Malpractice insurance because our Public Liability and Professional Indemnity policies have exclusions relating to bodily injury. If Medical Malpractice Insurance is required, you must have either a signed Placement Agreement or Affiliation Agreement with the Host organisation, or confirmation of cover for your Research Project from the Insurance Office.

  • Insurer: CGU Insurance Limited
  • Policy No: 24F2434681

Any licensed driver authorised to drive a University vehicle will be covered by this policy, standard exclusions still apply. This policy covers loss or damage to the University's vehicle and the legal liability out of the use of the University's vehicle Australia wide.

The standard excess for this policy is $500, however an additional Age and Inexperienced Driver excess also applies (breakage of glass on vehicles up to 2 tonne carries a nil excess).

UniSA does not generally provide insurance for staff personal vehicles, see the section below for further details. Employees who are required to use their own vehicles for work related purposes must have the vehicle comprehensively insured. Please refer to Use of Private Vehicle for Business Travel guidelines for more details. 

Vehicles that are leased under an agreement such as LeasePlan (salary sacrifice) should be referred to the leasing company. LeasePlan buys the insurance for these vehicles through Lumley General. If you wish to enquire about a LeasePlan vehicle call Mary Radimissis on 8302 3499 or LeasePlan on 8292 7512; or if your enquiry relates to payroll salary sacrifice call Sharon Olsson on 8302 1786.

(Note: Lumley General is also the insurer for the University's vehicles however the policies are separate and the insurance for leased vehicles is not managed by UniSA).

Motor vehicle insurance claim procedures

  1. Contact the Insurance Office regarding your eligibility to claim. Losses below our excess can not be claimed.
  2. Notify your Cost Centre Manager that you are placing an Insurance Claim. The Cost Centre will be required to cover the cost of the Insurance Policy excess (usually $500, but higher excesses apply for inexperienced drivers).
  3. Lodge a claim direct with CGU by phoning 132480 and quote policy number 24F2434681.
  4. Alternatively you can obtain a claim form from the Insurance Office. Once your claim form is lodged CGU will make contact with you to discuss your repair options.
  5. When the assessor has inspected the vehicle and authorised the repairs, the repairer now has approval to commence work on your vehicle.
  6. BEFORE collecting your vehicle you must arrange payment to the repairer in the amount of the applicable Insurance Policy Excess. (Standard excess $500, other excess amounts may apply as above.) You can pay this on University Credit Card, or by FS03 Expenditure Claim.
  7. Collect the vehicle. No further paperwork is required.

Insurance Cover for Private Vehicles on University Business

UniSA does not generally provide insurance for staff personal vehicles. Employees who are required to use their own vehicles for work related purposes must have the vehicle comprehensively insured. Please refer to Use of Private Vehicle for Business Travel guidelines for more details.

In the event of a motor vehicle accident while using your vehicle for work related purposes you must first claim against your own comprehensive insurance. You may be eligible to claim reimbursement of any policy excess against UniSA insurance. Please contact the Insurance Office to discuss.

(Please note: In order to claim against UniSA insurance you must be able to provide evidence of prior approval for use of the vehicle for work related purposes).

  • Insurer: Chubb Insurance Limited
  • Policy Nos: 03VG005689 | 03PO005686 | 03PO005687 | 03PO005035

The University has purchased Personal Accident Policies to cover:

  • Voluntary Workers while working or travelling directly to or from.
  • Students on Placement or travelling directly to or from.
  • Aviation Students.
  • Students undertaking any University related activity.

These policies are designed to cover death, disablement or loss of income following an accident. Limited cover is provided for medical expenses, but does not apply to any part of an expense that is wholly or partially claimable through Medicare. Contact the Insurance Office for more detail.

If you are the third party involved in a Motor Vehicle accident you would claim under the Compulsory Third Party Bodily Injury insurance included in vehicle registration before attempting to claim against the University's Personal Accident insurance.

  • Insurer: Zurich Insurance Australia Ltd
  • Policy No: 42EP00041GPI

This policy covers loss arising from any claim in respect of Civil Liability for "breach of duty owed in a professional capacity", and also for "libel or slander" made against the employee or the University.

  • Insurer: Unimutual
  • Policy No: UNISA 18 GPL

This policy covers the University's legal liability to pay damages or compensation arising out of personal injury or damage to property caused by an occurrence in connection with our business, including expenses in defence or settlement of a claim with the insurers consent.

  • Insurer: Vero Insurance Ltd
  • Policy No: MTD 009708442

The University has purchased a transit policy to cover:

  • Transportation of "goods" from Campus to Campus - Consisting of desks, computers, office equipment and scientific equipment;
  • Transportation of "goods" within Australia and overseas - Consisting of furniture, computers & electronic equipment, scientific equipment and instruments, and property we have accepted responsibility to insure; and
  • Transportation of Artworks within Australia.
  • Research Samples are not automatically insured in transit.  Please contact the Insurance Office if this cover is required).

With differing policy limits of liability and excess amounts.

Conditions to note:

  • Cover is automatic for domestic artwork transits up to $50,000 per conveyance.
  • Cover is automatic for domestic transit of 'goods' up to $200,000 and overseas transit of 'goods' up to $100,000 per conveyance (the policy excludes cover to high risk countries, please contact the Insurance Office for clarification).
  • Transit limits are per conveyance. A conveyance is the total value of goods being moved at the one time, not their individual values.
  • If the value of a conveyance exceeds policy limits you will need to complete a Transit Declaration Form and send it to the Insurance Office for processing.
  • Additional premiums for extensions to the transit policy apply and payment is the responsibility of the cost centre involved.
  • Please allow 5 working days, prior to transit, for processing.
  • Equipment will need to be completely checked and assessed for damage upon arrival and return. This should be considered when any signatures are requested on delivery paperwork. According to the Policy Wording, 10.1.4, the University's obligation is: "On receipt of any suspect or obviously damaged goods, note the extent and type of damage on the consignment note or similar document".