As a member of a student group you are automatically covered by one of the two Personal Accident Insurance Policies (Basic and Elite) which the Students’ Union takes out annually on your behalf. You should be aware, however, that these policies are limited in terms of the extent of cover that they provide so we advise you to familiarize yourself with the policies and make a determination whether you wish to take out your own personal accident insurance in addition.
What’s the difference between the Basic Policy and the Elite Policy?
Basic Personal Accident Insurance Policy
The Basic Personal Accident Policy is geared towards activities of a non-sporting nature. This means that generally all non-active societies are covered by this policy.
This policy provides a fixed benefit to you when you are injured whilst participating in an activity organised by your student group.
What is covered?
As a brief overview, this policy provides you with the following benefits:
- £10,000 in the event of a death
- Up to £50,000 if you suffer from a permanent disabling injury
- £30 per week if you suffer from a temporary disabling injury
- Up to £200 in respect of dental expenses incurred as a result of an injury
- £10 per day if you are confined in hospital (up to 90 days)
- Up to £100 in respect of additional travel expenses incurred as a result of an injury
- Dental Expenses - up to £200
- Supplementary travel and accommodation expenses following in-patient treatment £50 up to £1000 (benefit limits vary depending on the nature of expenses incurred)
What isn’t covered?
- Course Deferment Expenses
- Coma
- Broken Bones
- Primary Dislocation
- Knee Ligament Injury
- Recovery Therapy following Broken Bones or Dislocation or Knee Ligament Injury
- Medical Certificate Expenses
- Non-Refundable Sports Fees
- Optical Expenses
- Concussion
- The first seven days of any temporary disabling injury claim
- The first £25 of a dental injury claim
- Claims of less than £25 under additional travel expenses
- Claims under the repatriation section where the distance involved is less than 50 miles between the place of injury and the place of study
- Activities which are undertaken solely in the pursuit of danger (e.g. bungee jumping and fire walking)
You can read a full summary of the policy and levels of cover in the attached Basic Policy cover document.
Elite Personal Accident Insurance Policy
The Elite policy builds on the basic policy but brings in extra benefits such as broken bones and physiotherapy to give a more comprehensive package. This policy is geared towards organised sporting activity, therefore all sports clubs and active societies (i.e. Pole Fitness, Ballroom & Latin Dancesport) are covered.
What is covered?
As a brief overview, this policy provides you with the following benefits:
- £30,000 in the event of death
- Up to £100,000 if you suffer from a permanent disabling injury
- £60 per week if the you suffer from a temporary disabling injury
- Loss of earnings - £85 per week max. 26 weeks (waiting period applies)
- Up to £1,500 in respect of dental expenses incurred as a result of injury
- £40 per day if you are confined to hospital (up to 120 days)
- Up to £500 for additional travel expenses incurred as a result of the injury
- Dental Expenses up to £2000
- Supplementary travel & accommodation expenses (following hospital in-patient treatment) - £50 up to £1000 (benefit limits vary depending on the nature of expenses incurred)
- Up to £3,000 to help in respect of costs incurred if you defer your course where an injury prevents you from attending
- Coma: £140 per week up to 52 weeks
- Up to £1,000 in respect of broken bones
- Up to £250 in respect of primary dislocation
- Up to £200 in respect of knee ligament injuries
- £40 (max) per session in physiotherapy following broken bones of primary dislocation (subject to maximum of 10 sessions).
- Medical Certificate expenses up to £40
- Non-refundable sports fees up to £150
- Optical expenses up to £150
- Concussion £250-£5000 depending on the severity of the concussion
What isn’t covered?
- The first seven days of any temporary disabling injury claim
- The first £25 of any dental injury claim
- Fractures to the bones of fingers and toes
- Claims of less than £25 under the additional travel expenses claim
- Dislocations of the hip/shoulder/kneecap if that joint has been dislocated previously or caused by a bone disease
- Activities which are undertaken solely in the pursuit of danger (e.g. bungee jumping and fire walking)
You can read a summary of the policy and levels of cover in the attached Elite Policy cover document.
How do I make a claim?
If you wish you make a claim you must complete the attached Students Claim Form.
You will need a copy of the insurance policy number which you can obtain from us. Simply drop us a quick ticket on Freshdesk or give us a call and we will help you.
Endsleigh will usually require some form of supporting documentation with your claim, for example receipts or accident report forms. Please make sure you retain all your receipts and make sure that any accidents are reported and logged via relevant accident reporting procedures. If your accident occurs at another University or off-site location, you should make sure that it is reported and logged at the location.
Once you have completed the Claim Form you should return it directly to Endsleigh, along with any supporting documentation, at the following email address education@endsleigh.co.uk
The Students’ Union doesn’t get involved with any of these claims, they are personal between you and the insurers, and therefore we will be unable to help you check progress of your claim.
Students’ Union Public Liability Insurance
As a Union we have public liability insurance, this extends to clubs & societies affiliated to the Union. This insurance is in place for claims made by individuals both inside and outside of the organisation who have allegedly suffered injury or received damage as a result of negligence on the part of the group. So this insurance also includes situations in which one member claims against another member, as opposed to the group or Union, this cover does not extend to groups which involved any form of armed or unarmed combat. Individuals will need to check whether their affiliation to their national governing body might cover this, if not further cover may want to be sourced. You can see our certificate attached to this solution.
A note about Coaches
Where coaches are volunteering their services our public liability insurance will cover them for claims made against them in relation to group activity. If they are paid for their services then they are expected to have their own public liability insurance in place.
See separate guidance on transporting members to fixtures and events.