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Personal Accident Insurance

Personal accident cover for all Full Student members of Clubs and Societies is arranged by the Union as part of the membership process. Cover only applies to members who are fully paid and to those who are registered UCL students (on full or part-time courses). The policy provides financial compensation in event of death, permanent disablement, or temporary total disablement, whilst engaged in Club or Society activity, or whilst travelling to/from core Club or Society activities. Details on the scale of benefits are available from the Sports Development Manager. 

Club or society members who are not registered UCL students (i.e. Associate Members) are strongly encouraged to make appropriate personal accident insurance arrangements, as they are not covered by the Union’s insurance policies. You should inform your Associate members of this.

All Members are also reminded to take out their own personal travel insurance when travelling abroad, as certain exclusions apply to the Union’s cover in this respect.

For further clarification on the difference between Full and Associate members of Clubs and Societies, please see Section 5 of the Club and Society Regulations

Equipment Insurance

As long as the item is listed on your club/society inventory it is insured with us at a value related to its current age and condition. If you wish to make a claim for a lost/damaged or stolen item please email details to with details of the claim, photos and a reference to your Incident report form (which should be submitted in hard copy or scanned via email (see below for steps of a claim).

Making a Claim

Step 1

Complete the Incident/Accident Report Form which can be downloaded and printed from our website. Return the form in hard copy to the Student Activities reception within 24 hours of the event that requires the insurance claim, or as soon as you return from a trip away from campus. State clearly on the form that you wish to make an insurance claim for the lost item or personal injury and give as much detail about the accident/incident as possible including witnesses. Photos can also be submitted electronically as part of a claim to referencing your claim.

Step 2

The relevant manager will make an appointment to see you to review your claim. Bring along any evidence to support your claim including receipts for medical treatment if a personal injury claim is to be made.

Step 3

The insurance claim will be submitted providing it meets the insurance criteria, is above our insurance policy excess levels. 

Step 4

If a new item has been purchased to replace a lost, damaged or stolen one it is crucial that you add this to your inventory as per the procedure detailed in the Club and Society resources guide. If we don’t have record of your equipment and it gets damaged or stolen then our insurance policy will not pay out. Club and Society equipment inventories should be reviewed and updated annually and added to as and when new equipment is acquired.