Insurance

Insurance

The University provides a range of insurances for students undertaking approved University activities. They include insurance for travel (greater than 100km), personal accident, public liability, personal accident, medical malpractice and professional indemnity. Some insurance is provided automatically, whereas others (such as Travel Insurance) requires an application prior to the activity commencing.

Student's using vehicles for placement

Motor insurance is usually arranged by the owner of the vehicle – your car insurance policy covers your car, UoM’s policy covers UoM cars, Hertz’s policy covers its cars, etc.  Unless you are driving a UoM-owned car, an accident in your car would not be covered by UoM’s motor insurance, even if you are driving it for UoM purposes.

In terms of injury you might suffer from a car accident, the TAC scheme covers this for all people in Victoria.  (And the equivalent schemes operate the same way in other states).

Damage to your car, or damage to someone else’s property caused by an accident involving your car, would be a matter for your own car insurance.

UoM’s Personal Accident insurance covers students for injury-related expenses while they are acting in their capacity as a UoM student, which includes while they are on placement and while they are driving to/for a placement, but that policy has an exclusion essentially deferring to the TAC for transport accident-related injury costs.  Because the TAC exists, this policy doesn’t cover the costs that the TAC is there to cover.

For details, visit the Student Insurance website.