Minibus Plus Policy Wording - QBE

10.2. Dental injury expenses
In the event of injury being sustained by an insured person which results in dental injury
the insurer will indemnify the insured on behalf of the insured person for the cost of
necessary dental treatment within twelve (12) months of the accident giving rise to the
injury, provided that:
i) the insurer’s liability shall not exceed the limit of indemnity stated in the schedule
of benefits; and
ii) the insurer’s liability does not cover the first GBP25.00 of each and every claim; and
iii) the treatment must be received within seven (7) days of the accident occurring.
10.3. Stress counselling
We shall pay for up to five (5) sessions of stress counselling up to a maximum limit of
GBP500 in all with a qualified counsellor following a claim under Items 2-7 of the schedule
of benefits in section 10.1 for you or your driver or any other occupant of your vehicle.
10.4. Injury to the driver and passengers - Exceptions
This section does not cover:
10.4.1 All Persons aged 70 years and over at the date of inception of this insurance
10.4.2 Persons not resident in the United Kingdom.
10.4.3 This section does not cover death, disablement or loss:
a) whilst the insured person is engaged or taking part in military, air force or naval
service or operations.
b) whilst the insured person is using your vehicle for riding or driving in any kind of
race or commercial travelling or motor trade.
c) directly or indirectly caused or contributed to by the insured person's intentional self
injury, disease or natural cause, suicide or attempted suicide, provoked assault or
fighting except in bona fide self-defence or from the insured person's own criminal
act or whilst engaged or taking part in civil commotions or riots of any kind.
d) arising from or attributable to war (whether declared or not), invasion, an act of an
enemy foreign to the nationality of the insured person or the country in or over
which the act occurs, civil war, riot, rebellion, insurrection, revolution, overthrow of
the legally constituted government, terrorist activity of any kind, explosions of war
weapons, release of weapons of mass destruction, murder or assault subsequently
proved in a legally constituted court to have been the act of agents of a State foreign
to the nationality of the insured person whether war be declared with the State or
not.
e) occasioned by or occurring while the insured person is in a state of insanity
temporary or otherwise. Arising from your disability or condition or that of the
insured person for which medical advice or treatment has been given prior to the
inception of cover under this insurance, unless specifically agreed in writing by us.
10.5. Injury to the driver and passengers - Conditions
10.5.1 Accidental bodily injury occurs to you or the insured person whilst driving or travelling in
the your vehicle or whilst in the vicinity of your vehicle, which arises as a result of a
malicious and unprovoked assault by the occupant or rider of another motor vehicle or pedal
cycle.
10.5.2 No claim will be payable under more than one item in the schedule of benefits in respect of
the consequences of one accident to any one insured person.
10.5.3 For any insured person under the age of 16 years or undergoing full time education the
death benefit (item 1 of the schedule of benefits) shall be limited to GBP2,500.
PMBP151210Minibus Minibus Plus Policy Page 18 of 39