Auto Insurance

Use of Private Automobile for University Business

The University does not provide insurance for the use of private automobiles on University business. If a private automobile is used on approved University business, it is recommended that there be a minimum of $1,000,000 third party liability insurance.

Fleet Insurance Coverage

The University's insurance policy for its owned or fleet vehicles provides $5,000,000 in third-party liability coverage, as well as collision and comprehensive coverage for models three years old or newer (currently, 2001 model year and newer) — a $1,000 all perils deductible applies in the event of a claim involving private passenger and light commercial vehicles.

Vehicles rented/leased for periods exceeding 30 days qualify for fleet insurance coverage — to arrange for coverage, please contact the Department of Pensions, Investments & Insurance at 533-6414.

Queen's Insurance Coverage on Vehicles Rented for University Business

Within North America

In addition to liability coverage, the University carries coverage for collision and comprehensive perils up to $50,000 Unless the rental agency insists on more coverage, it should not be necessary to purchase additional insurance. In the event of a claim, a $2500 deductible applies.

Notes:

i) collision and comprehensive perils coverage should be purchased from the rental agency if the rental vehicle will also be used for reason unrelated to university business, or if the vehicle will be also driven by individuals who are not affiliated with the university.

ii) it is not necessary to purchases third party liability insurance on rental cars. The rental agency is required by law to carry this insurance and the cost is included in the rental rate (the University's liability coverage is in excess of that carried by the rental agency).

iii) all drivers, whether employees or not, should be listed on the rental contract. On many rental agreements, only those named on the contract are covered by insurance. Read all agreements carefully.

iv) Insurance coverage applies only to rentals of less than 30 days. If vehicles is to be leased for periods greater than 30 days, contact the Department of Pensions, Investments & Insurance (533-6414) to arrange for appropriate coverage.

v) Report accidents immediately to the Department of Pensions, Investments & Insurance, 533-6414.

Outside of North America

While the University has excess liability coverage for vehicles rented outside of North America, there is no insurance protection for the vehicles, therefore collision/comprehensive perils coverage should be obtained when renting the vehicle (please note: this kind of coverage may be provided through the use of a gold or platinum credit card -- please check with the card company to determine what insurance, if any, is provided if the rental is paid for through the credit card).