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 – £85/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 £3,000
- Additional Travel Expenses – up to £500
- Course Deferment Costs – up to £3,000
- Coma Benefit – £350/week (up to 52 weeks)*
- Broken Bones – up to £500 per bone (max £1,000 per claim)
- Dislocation & Knee Ligament Injuries – up to £350
- Recovery Therapy – £40/session (max 10 sessions)
- Optical & Medical Certificate Expenses – up to £150 and £50 respectively
- Non-Refundable Sports Fees – up to £200
- 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.