Minibus Plus Policy Wording - QBE

7 Liability to third parties
7.1. Your liability to third parties
7.1.1. If arising out of the use of your vehicle it is involved in an accident or an accident occurs in
direct connection with loading or unloading your vehicle, we will indemnify you against
liability at law for damages and claimant’s costs in respect of death or bodily injury to any
person or damage to any property resulting from the accident.
We will also indemnify:
7.1.2. any person permitted by the schedule and certificate of motor insurance to drive your
vehicle;
7.1.3. at your request, any passenger or person (other than the person driving) whilst travelling in,
on or getting into or out of your vehicle;
7.1.4. the owner of your vehicle as though they were you;
7.1.5. following the death of anyone covered by this insurance, that person’s legal representative for
any liability incurred by that person.
7.2. Liability costs and expenses
If arising out of the use of your vehicle it is involved in an accident or an accident occurs in
direct connection with loading or unloading your vehicle, we will at our option:
7.2.1. Defence expenses
pay the legal fees and costs incurred in dealing with or defending any action at law by which
damages in respect of such death, bodily injury or damage are claimed against any person
covered by this insurance;
7.2.2. Fatal inquiry expenses
pay the solicitors’ fees for representation at any Coroner’s inquest or fatal inquiry in respect of
such accident or for defending in any criminal proceedings relating to such accident.
7.2.3. Manslaughter defence expenses
pay the legal expenses in respect of any proceedings taken against a person insured under
this insurance for manslaughter, or reckless or dangerous driving causing death, in respect of
his or her driving at the time of the accident;
7.2.4. Emergency medical treatment costs
emergency medical treatment as required by the Road Traffic Act:
Provided that
the person claiming indemnity under clause 7.2 and any person on whose behalf
indemnity is claimed shall have complied with the terms and conditions contained in the
policy.
7.3. Your liability to third parties – cover extensions
7.3.1 Towing
The insurance cover provided by clause 7.1 and 7.2 is extended to include liability incurred
following an accident caused by the towing of a trailer or disabled mechanically propelled
vehicle by your vehicle except that we shall not be liable:
a) for damage to the trailer or disabled mechanically propelled vehicle being towed nor for
any load carried in or on it;
b) if the disabled mechanically propelled vehicle is being towed for hire or reward.
7.4. Liability to third party limitations and exceptions
Under this section we will not cover and will not pay:
7.4.1. Maximum payment limit
any amount in excess of:
a) GBP5,000,000 in respect of any one accident or series of accidents arising out of
PMBP151210Minibus Minibus Plus Policy Page 14 of 39