Buildings Insurance

The University arranges insurance protection for its buildings against fire, impact from aircraft, explosion, riot, and civil commotion, malicious damage, impact from vehicle, earthquake, storm, flood and burst water pipes.

Cover is arranged through the University's Insurance Team in liaison with Estates Services.

All due security precautions should be taken at all times, as advised by Oxford University Security Services and the Insurance Team.

Claims are made on a reinstatement basis (i.e. there is no allowance for betterment) subject to a policy excess of £2,000. Claims are settled to the claiming department net of this amount.

 Unoccupied Buildings

When a building becomes unoccupied there is an increased risk of incidents occurring and damage going undiscovered through for example breaches in security, theft, arson, flooding (e.e. burst pipes) etc. As a result the Insurance Office is required to notify the Insurers of all property unoccupied for a period of 30 days or more. In addition the University's property insurance policy includes a clause detailing requirements that must be met in the event that a property is unoccupied.

Cover will not operate in the event of an incident if notification of the unoccupied building is not provided to the Insurance Office or if any of the requirements are not met.

Please see the following documents for further information:

Unoccupied Buildings Insurance Procedure and Notification Form (162kb)

General Protection of Unoccupied Buildings (153kb)

New Buildings

Notification should be made to the Insurance Office of all new buildings purchased or constructed, with details of the insurance replacement value.

Building Refurbishments

Notification should be made to the Insurance Office of all capital refurbishment projects prior to commence in order for insurance cover to be arranged for the works:

Notification should then be made to the Insurance Office of the completion of the works with details of the revised insurance replacement value

Risk Topics

The University Insurer provides documents setting out requirements and guidance on a variety of topics.

Design Guide

The University Insurer Zurich Municipal design requirements for the protection of buildings:

ZMFEHE Design Guide (3,452kb)

Photovoltaic Systems

Property considerations for the peril of fire.

PV Panels Fire Considerations (569kb)

Summary of Insurer Requirements

PV Panels Insurer Requirements (13kb)