Frequently Asked Questions - Insurance
- The University's computer valued at $4,000 was stolen from my University office. It was not locked down with an approved device. Am I covered?
- The computer I use, owned by the University and valued at $4,000 was stolen from home. It was not locked down with an approved device. Am I covered?
- I am a student at Charles Sturt University and as part of my course requirements I am required to complete work experience with an external organisation. Am I covered under the University's insurance?
- I am an enrolled student of Charles Sturt University and as part of my course requirements I am required to complete work experience with an external organisation. I wish to undertake this work experience overseas. Am I covered under the University’s insurances?
- I am a student enrolled at Charles Sturt University and would like to complete some voluntary work experience to broaden my knowledge. Am I covered under the University's insurance?
- I have arranged to borrow an item of equipment from an outside organisation. Is the item covered whilst in transit, and at the University?
- I am arranging for some volunteers to assist in a University activity. Will the University insurances cover these volunteers?
The University's computer valued at $4,000 was stolen from my University office. It was not locked down with an approved device. Am I covered?
Yes, however an internal excess of $2,000 will apply. The Department will have to pay the first $2,000. Please refer to Claims Procedure for Property. Continued loss of equipment by the Department may result in the Department's share of the excess being increased.
The Computer I use, owned by the University and valued at $4,000 was stolen from home. It was not locked down with an approved device. Am I covered?
Yes. The same answer as above, providing permission was been given by the Head of Department for the equipment to be taken from the campus.
I am a student at Charles Sturt University and as part of my course requirements I am required to complete work experience with an external organisation. Am I covered under the University's insurance?
Yes, you will be covered by the University's insurances. Please refer to Finance's Certificates of Currency page for details of cover. If you have any specific insurance queries regarding cover, please contact the Insurance Officer. If you require an insurance confirmation letter, please download the CSU Students Work Experience Insurance letter. [.PDF 139kb]
I am an enrolled student of Charles Sturt University and as part of my course requirements I am required to complete work experience with an external organisation. I wish to undertake this work experience overseas. Am I covered under the University's insurances?
The University's General & Product Liability and Professional Indemnity insurances apply anywhere in the world although coverage in USA/Canada is restricted. Protection is subject to certain terms, exclusions, conditions and limitations. Please contact the Insurance Officer for more information on a particular location. The University's Personal Accident Insurance is limited to Australia, so students travelling overseas would need to take out their own travel/medical insurance.
I am a student enrolled at Charles Sturt University and would like to complete some voluntary work experience to broaden my knowledge. Am I covered under the University's insurance?
Work experience can be part of a course requirement or, so long as it is not a paid activity, it can be something that will benefit a student in connection with his/her course even though it is not actually a course requirement. In either case, if the work experience is approved prior to it being undertaken, it will be covered by the University's insurances in accordance with the CSU Students Work Experience Insurance letter [.PDF 139kb] which can be downloaded by clicking on the link. The words "approved" and "prior" are the critical factors in determining whether a student will or will not be covered whilst undertaking an activity with an external organisation, ie: whether or not it is "approved work experience". Please note that, as students are not employees of the University, they are not covered by Workers’ Compensation insurance and Medicare medical and hospital expenses will be met to the extent available under the student’s own Medicare and/or private health insurance. Furthermore, If a student wishes to undertake work experience on his/her own initiative which is not work experience approved by the University, then the University’s insurances do not extend to include such activities. Similarly, if a student is either paid by the external organisation or extends his/her work experience to undertake a project on behalf of the external organisation which has not been approved as work experience by the University, neither of these circumstances are covered under the above insurances. If any of these apply, the external organisation assumes responsibility for the student and would be expected to provide appropriate general & products liability, professional indemnity and personal accident/workers’ compensation insurances under their own policies.
I have arranged to borrow an item of equipment from an outside organisation. Is the item covered whilst in transit, and also at the University?
Yes, provided the Insurance Officer is advised in advance and all reasonable precautions to prevent loss, destruction or damage are taken.
I am arranging for some volunteers to assist in a University activity. Will the University insurances cover these volunteers?
If the volunteers are involved in an official University activity they will be covered under the University's General and Product Liability Insurance and Professional Indemnity Insurance. If a volunteer incurred an injury due to the negligence of the University, its staff or students, they would be entitled to take an action against the University under the University's Public Liability insurance. As a volunteer is not an employee of the University they are not covered under workers compensation insurance. The University insures volunteer workers whilst engaged in voluntary work including whilst travelling directly to/from the place of such voluntary work under the Business Travel policy number ABTVL002655NSW issued by ACE Insurance. The policy provides a range of benefits including death due to accident ($10,000 if no dependents, $80,000 if has dependents) and non-Medicare medical expenses up to $5,000. As Health Insurance legislation prohibits the University from taking out insurance to cover medical and hospital expenses, these would have to be claimed under Medicare or under volunteer's private health insurance.