UC San Diego Vehicle Insurance

Learn about liability and physical damage insurance for university vehicles.

Types of vehicle insurance

UC's self-insurance program offers departments several by-request liability and physical damage insurance programs for UC San Diego owned vehicles.

Be aware of these facts when determining insurance coverage for your department:

• Rental: Rental vehicle insurance requires use of a current UC contract number with the proper rental agency. Read Rental Car Insurance Coverage for complete details.

• Personal: Personal vehicles used for university business are not covered for damage or loss by university insurance programs. Read Personal Vehicle Usage for UC San Diego Business for more detailed information.

• Department-owned or leased: Your department must obtain coverage for department-owned or UC leased vehicles. Fleet Services vehicles are routinely insured by Fleet Services.

Mandatory UC vehicle insurance

• Vehicle insurance: The premium is a yearly charge calculated by combining UC experience and department experience. Base premiums for 2020-2021 were:
  • Passenger vehicles: $689
  • Vans: $722
  • Cargo Vans/Trucks: $948
  • Buses/shuttles: $2,106
  • Electric carts: $365
  • Motorcycles: $416

Note: A minimum deductible of $500 applies per incident plus 20% of claim costs up to $25,000. A sliding deductible scale will be applied to divisions with more than three incidents. The minimum deductible will increase to $750 for the next 2 incidents and $1,000 for each and every subsequent incident.

Change or delete vehicle insurance programs

• Use the UC Vehicle Insurance Program Change form (PDF) to apply for vehicle insurance, and change or delete your existing coverage.

Incident reporting

• Review Vehicle Driver Responsibilities for when a vehicle collision happens. (Important: You must fill out a vehicle incident report.)
• Report incidents to EH&S Risk Management as soon as possible. 

Training

• Learn more by attending Risk Management training classes.