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:
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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.
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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 2023-2024 were:
- Passenger vehicles: $730.00
- Vans: $765.00
- Cargo Vans/Trucks: $1005.00
- Buses/shuttles: $2,232.00
- Electric carts: $387
- Motorcycles: $463
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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.