General Property Cover


Insurer: Zurich Municipal
Policy No: NHE-11CA11-0013
Expiry Date: 31 July Annually


Property Insured:

Buildings, including Fixtures and Fittings, walls, gates, fences, roads, paths, drives, yards, parking areas pavements etc., services (telephone, gas, water, electricity) mains, ducts, sewers, drains, the property of the University or for which they are responsible

Contents including, machinery, plant, fixtures, fittings, equipment, patterns, moulds, plans, designs, records, manuscripts, business books, library books, periodicals, computer records, stock, work in progress, raw materials used for the purposes of research etc. the property of the University or for which they are responsible.

Rent receivable due to the University and declared to insurers


Cover:

ALL RISKS of loss or damage at the premises of the University including leased or rented premises.


Principal Exclusions:

Subsidence*, gradual deterioration, wear and tear, inherent vice, latent defect, breakdown, derangement, unexplained disappearance, inventory shortage.
*(except CRC, Romero and Gateley)


Extensions:

Property in Transit (including in the post) and at other locations including field trip and expedition equipment.

  • Limits: £250,000 any one consignment, £60,000 any one item
  • additional exclusions:
    • delay, confiscation or detention by order of any government or public authority
    • loss or damage involving theft from any unattended vehicle unless all doors, windows and other openings are fully closed and securely locked and where  possible property is placed out of sight. No claim will be considered for loss from an unattended vehicle overnight unless it is in a securely closed and locked garage or compound.

Exhibitions (as per property in Transit)


Excess:

a £1500 excess applies to each and every claim except claims for theft not involving forcible entry to or violent or exit from the premises where the excess increases to £2500.

Note each department is entitled to one contribution of £1000 towards the cost of an excess each year on all claims except Theft claims.