🛡️ Insurance for Clubs and Societies at Keele University
At Keele University, student-led clubs and societies are a vibrant part of campus life. To ensure these groups can operate safely and confidently, appropriate insurance coverage is essential.
🔍 What Insurance Covers
Keele University provides certain types of insurance coverage for activities organized by officially registered clubs and societies. This typically includes:
- Public Liability Insurance: Covers legal liability for injury to third parties or damage to property during society events.
- Employer’s Liability Insurance: Covers liability for injury to volunteers or helpers.
- Travel Insurance: May be available for society trips abroad, subject to approval and conditions.
- Equipment Insurance: Some coverage may be available for university-owned or hired equipment.
- Accident Reporting: All accidents or incidents during society activities must be reported promptly to Keele SU.
Accident Form
📌 Note: Insurance coverage is generally only valid for activities that are pre-approved and comply with university policies.
🧍♂️ Personal Accident Insurance – Team Keele Membership
When you purchase a Team Keele membership, it includes personal accident insurance. This provides additional protection for members participating in sports and physical activities under the Team Keele umbrella. Coverage may include:
- Accidental injury during training or competition
- Medical expenses related to covered injuries
- Permanent disability or death benefits (subject to policy terms)
🏅 Tip: Always check the full policy details when purchasing your membership to understand what is and isn’t covered.
🧑🎓 Personal Accident Insurance – Elite Cover for Active Societies
Keele SU also provides Elite Personal Accident Insurance for members of active societies who may be at increased risk due to physical, outdoor, or performance-based activities.
This policy includes:
- Accidental Death – £30,000
- Permanent Total Disablement – up to £100,000
- Temporary Total Disablement – £60/week (up to 52 weeks)*
- Loss of Earnings – £85/week (up to 26 weeks)*
- Hospital Confinement – £40/day (up to 120 days)
- Dental Expenses – up to £2,000
- Additional Travel Expenses – up to £500
- Course Deferment Costs – up to £3,000
- Coma Benefit – £140/week (up to 52 weeks)*
- Broken Bones – up to £500 per bone (max £1,000 per claim)
- Dislocation & Knee Ligament Injuries – up to £250
- Recovery Therapy – £40/session (max 10 sessions)
- Optical & Medical Certificate Expenses – up to £150 and £40 respectively
- Non-Refundable Sports Fees – up to £150
- Concussion – £250 or £5,000 depending on severity
*Waiting periods apply. See full policy wording for details.
Eligibility:
- Full-time or part-time students and affiliated individuals under age 70
- Must be participating in activities officially recognised by Keele SU
Coverage Area:
- Worldwide, while participating in or travelling to/from recognised SU activities
- Note: Repatriation is not included
Support Services:
- 24/7 Helpline for counselling, legal, tax, medical, and bereavement advice
Call: 0800 519 9969
📝 Responsibilities of Clubs and Societies
To ensure insurance coverage applies:
- Register your society with the Keele Students’ Union.
- Submit risk assessments for all events and activities.
- Seek approval for off-campus or high-risk activities.
- Report incidents and accidents promptly to the Insurance Office or Students’ Union.
Who to Contact
Additional Tips!
- Always check if your activity is covered before proceeding.
- If you're unsure, contact the SU Experience Team for guidance.
- For personal belongings, members should consider individual insurance.