Insurance

Charles Darwin University maintains extensive insurance cover to provide financial protection against liability for personal injury and loss or damage to university property. All protection is subject to certain terms, exclusions, conditions and limitations.

This page provides general information on the University's insurance policies. Further information, queries and claim applications can be directed to the Manager Treasury Operations, Finance and Asset Services on 8946 7119.

University insurance

General Third Party and Product Liability Protection
Professional Indemnity
Malpractice Protection
Property
Travel
Motor Vehicle
Marine Cargo
Personal Accident Students
Personal Accident Volunteers
Workers Compensation

General Third Party and Product Liability Protection

For liabilities arising from personal injury (including death) and property damage in connection with the University's business or from products manufactured, sold or supplied by the university.

This applies anywhere in the world other than operations domiciled and/or entities incorporated in USA/Canada.

This protection covers the legal liability of students whilst engaged on university sponsored or authorised activities provided that the student is not engaged as a paid employee or receives remuneration.

Professional Liability Protection

For legal liability to pay damages as a result of any claim or claims made against the member, protected person or entity arising out of any negligent act, error or omission in or about the conduct of the University's professional business.

This applies anywhere in the world other than operations domiciled and/or entities incorporated in USA/Canada.

Malpractice Protection

For legal liability to pay damages as a result of any claim or claims made against the member, protected person or entity during the Protection Period in consequence of Malpractice in connection with the University's Business.

This applies anywhere in the world other than operations domiciled and/or entities incorporated in USA/Canada.

Property

For material loss of University assets being real property, including buildings, plant, machinery, stock and merchandise. Also for loss of revenue, increased loss of working, loss of rental income and additional expense resulting from interruption or interference to the business during the protection period.

Head of Security must be advised immediately of any property loss, destruction or damage and a 'Security Occurrence Report completed' without delay.

The cost centre initiating the claim will be liable for the excess. The cost centre may submit an application to the Chief Financial Officer, Finance & Asset Services to pay the excess. The application may be approved or rejected depending on the degree of negligence involved in the loss of property.

Travel Insurance

Cover under this Policy applies to an Insured Person ⁽¹⁾ engaged in a Journey ⁽²⁾ undertaken on the University's business ⁽³⁾

⁽¹⁾ Employees, Governing Body and all official university staff.

⁽²⁾ Journey shall mean approved travel exceeding 50km from the insured person's normal place of residence or business premises. The maximum duration of any one trip shall be 180 days.

⁽³⁾ Official travel on University business approved by a Cost Centre Manager or delegated officer and supported by a completed Movement Requisition (.pdf).

Travel Insurance for overseas travel may be constrained by Travel Advice from the Australian Department of Foreign Affairs and Trade (DRAFT) Travel Advice. This Advice can be accessed at: www.smartraveller.gov.au

Travel insurance provisions are to be read in conjunction with the travel policy of the university which can be found at www.cdu.edu.au/fas/attachments/travelguidelines.pdf.

To ensure you have travel insurance in place through the university you must:

Have an approved Movement Requisition (.pdf) forwarded to the Travel Officer in Procurement
Ensure your travel is less than 180 days
Comply with the requirements of the travel policy.

Note: Incidental private travel according to university policy is defined in the travel guidelines for staff. There is no allowance for incidental private travel for students. If you intend travelling privately in conjunction with your trip you will not be covered by the policy of the university and will need to make separate arrangements for travel insurance.

Schedule of benefits

Exclusions and definitions apply to each Schedule. Contact the Manager, Treasury Management and Operations on 8946 7119 if more information is required.

Section	Cover	Sum insured ($)	Excess
1	Personal Accident and Sickness
	Accidental Death Events 1-19	Various
	Weekly Benefits - Injury by Accident	Various	7 days
	Lump Sum Broken or Fractured Bones	Various
2	Kidnap and Extortion	$500,000
	Daily Benefit	$100
	Legal Costs	$3,000
4	Medical and Additional Expenses	Unlimited
	Cancellation/Curtailment Expenses	Unlimited
	Continuous Bed Confinement (maximum of 100 days)	$50
5	Ace Assistance	Included
6	Loss of Deposits (travel or accommodation paid in advance)	$5,000
7	Loss, Theft or Damage to:
	Baggage/Business Property Limit and one item $2,000	$5,000
	Electronic Equipment (accompanied by cabin baggage only)	$5,000	$250
	Deprivation of Baggage	$1,000
	Money/Travel Documents	$1,000
8	Alternative Employee	Various
9	Personal Liability	$10,000,000
10	Rental Vehicle Excess	$5,000
11	Extra Territorial Workers Compensation
	Weekly Benefit	$1,000
	Damages, Costs and Expenses	$1,000,000
	Aggregate Limit of Liability	$2,000,000
12	Missed Transport Connection	$2,000
13	Political Evacuation	$20,000

Can I purchase my own travel insurance?

ACE Insurance Limited, in conjunction with Middleditch Insurance Brokers Pty Limited provide an on-line facility for Charles Darwin University staff, students and their relatives to apply for interstate or overseas private travel insurance. The policy product is called “In-A-Suitcase” and is available to you around the clock. You can access it anytime at your convenience; be it months before your holiday or a few hours before your flight takes off.

This online facility is available to students and staff and their relatives. It is not a requirement that the staff or student be travelling to access the insurance.

Those wishing to access the insurance can view the policy document, apply for cover and pay by credit card to ACE at http://inasuitcase.aceinsurance.com.au/charlesdarwin/.

The University receives no remuneration for those choosing to use the In-A-Suitcase product and provides no advice or recommendations concerning the policy cover.

Those using the facility enter into a contract for In-A-Suitcase insurance direct with ACE Insurance Limited. All policy and claim queries should be directed to ACE.

Motor Vehicle

Comprehensive cover for vehicles and registered plant owned or leased by the University utilised for business or private use.

Location: Australia Wide

The University's motor vehicle fleet is maintained and managed by Finance and Asset Services. Please direct any motor vehicle accident/damage claims to this department.

Marine Cargo

Goods and/or merchandise of every description consisting principally of tertiary educational equipment whether accompanied or unaccompanied.

Transits: At and from ports and/or places in the world to ports and/or places in the world.

Conveyances: As defined, including vehicles owned or operated by the insured.

Personal Accident Students

This policy provides personal accident cover for full and part time enrolled University students whilst engaged in campus/course related activities and/or practical placement or community placement.

Death Benefit
Weekly Benefit - Injury if loss of income
Domestic Help/Child Minding Benefit
Bedcare Patient Benefit
Non-Medicare Expenses ¹
Home Tutorial Benefit
HECS and/or Post Graduate Fees
Injury Assistance Benefit
Modification Benefit

¹Medical expenses which are claimed in whole or part through Medicare cannot be claimed under this policy.

Note: Students are not covered by workers compensation through the university as they are not employees.

Personal Accident Volunteers

This Policy provides personal accident cover for full and part time enrolled University students whilst engaged in campus/course related activities and/or practical placement or community placement.

Death Benefit
Weekly Benefit - Injury if loss of income
Domestic Help/Child Minding Benefit
Bed Care Patient Benefit
Non-Medicare Expenses¹

¹ Medical expenses which are claimed in whole or part through Medicare cannot be claimed under this policy.

Ntoe: Volunteers are not covered by workers compensation through the university as they are not employees.

Workers Compensation

The university has in place workers compensation for employees as required under the NT Work Health Act 1986.