Minibus Plus Policy Wording - QBE

15.5.13. If the service you require is not provided for under this policy, the AA will try, if you wish, to
arrange it at your expense. The terms of, and any payment for, any such service are a
matter for you and the supplier.
16 Legal services and advice - uninsured loss recovery
16.1. Legal expenses cover
16.1.1. Under this section of the policy, all claims are managed by Lawclub on our behalf.
Lawclub also provide the Lawphone Legal Helpline on our behalf.
We will pay the legal costs of the insured person taking legal action against the insured
person's opponent as a result of any road accident which causes:
a) actual physical damage to your vehicle which results in proven financial loss to the
insured person; or
b) actual physical damage to the insured person's property kept in or on your vehicle and
which results in proven financial loss to the insured person; or
c) the insured person's death or bodily injury while the insured person is in, on or
getting into or out of your vehicle.
16.1.2. We will provide this cover as long as:
a) the claim is not covered under any other insurance policy; and
b) the road accident happened within the territorial limits and within the period of
insurance; and
c) the claim will be decided by a court within the territorial limits; and
d) there is a reasonable chance of recovering damages from the insured person's
opponent at all times.
16.2. Costs and expenses
We will pay the following on the insured person's behalf:
16.2.1. The professional fees and expenses reasonably and properly charged by the
representative on a standard basis, up to the standard rates set by the courts, which the
insured person cannot recover from their opponent.
16.2.2. The insured person's opponents' legal costs in civil cases which the insured person is
ordered to pay by a court or which the insured person pays to their opponent with the
written agreement of Lawclub.
16.2.3. We will only pay legal costs which Lawclub considers are necessary and in proportion to
the value of the insured person's claim.
16.2.4. We will only start to cover legal costs from the time Lawclub has accepted the insured
person's claim in writing and appointed the representative.
16.2.5. The most we will pay for all claims arising out of any one road accident is GBP100,000.
PMBP151210Minibus Minibus Plus Policy Page 24 of 39