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.
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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 the UC’s experience and the department’s experience. Base premiums for 2023-2024 and 2024-2025 are the following:
|
Vehicle Categories |
FY23/24 Base Rate | Base Rate Annual Increase | FY24/25 Base Rate |
|---|---|---|---|
| Cars | $730.31 | $102.22 | $832.35 |
| Passenger Vans/Trucks | $765.74 | $107.20 | $872.95 |
| Cargo Vans/Trucks | $1,005.00 | $140.74 | $1,145.74 |
| Buses/Shuttle/Specialty Vehicles | $2,232.68 | $312.57 | $2,545.25 |
| Electric Carts | $387.00 | $54.55 | $441.55 |
| Motorcycle/Specialty Vehicles | $463.01 | $64.82 | $527.83 |
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.