Annual cost
- 2023-2024: $140
- The annual cost of $140 consists of a $77 charge on behalf of Marsh encompassing the premium and taxes for the insurance policy, as well as a program fee of $53 administered by the University of Ottawa.
- 2024-2025: $145
Insurance coverage while living in residence
$10,000 Contents Coverage
Each student will be provided with coverage to protect their personal belongings up to $10,000 – subject to a $500 deductible. The policy provides coverage for all risks of loss or damage subject to exclusions. Claims will be settled on a “replacement cost” basis (without deduction for depreciation).
$1,000,000 Personal Liability Coverage
If a student is found to be responsible for causing accidental damage to university property or another student’s property (for example, if a student accidentally started a fire in their room) or accidental bodily injury to another person, the policy will respond up to $1,000,000 to pay legal expenses and compensatory damages for which they are found to be legally liable.
$2,500 Additional Living Expenses
If as a consequence of an insured loss the student’s residence is unfit for occupancy, the policy will pay the increased expenses (up to $2,500) incurred by the student to obtain temporary housing. For example, if a student moves to a hotel for a few days while their room is being repaired, hotel costs including meals would be covered.
Under this program, the University purchases a master policy that provides insurance coverage for all students who are living in residence and who elect to participate in the program. Students who elect to participate in the program will receive a Certificate of Insurance in their name outlining the coverages provided by the policy, and will be provided a website address where they can request a copy of the policy wording.