Minibus Plus Policy Wording - QBE

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Lawclub will have the right to do the following in the event of a claim: 16.7.5. take over and conduct, in the insured person's name, any claim or proceedings; 16.7.6. at any time before Lawclub agrees that legal proceedings need to be issued Lawclub will choose the representative: i) the insured person can only choose the representative if Lawclub agrees that legal proceedings need to be issued or if a conflict of interest arises meaning that the representative cannot act for the insured person. The insured person must send the representatives name and address to Lawclub. If Lawclub agrees to appoint a representative that the insured person chooses, the representative will be appointed on the same terms as Lawclub would have appointed their chosen representative. Lawclub may decide not to accept the insured person's choice of representative. If Lawclub does not agree with the insured person's choice, the matter will be settled by arbitration; ii) When choosing the representative, the insured person must remember the insured person's duty to keep the cost of any legal proceedings as low as possible; 16.7.7. appoint the representative in the insured person's name and on the insured person's behalf; 16.7.8. have any legal bill audited or assessed; 16.7.9. contact the representative at any time, and have access to all statements opinions and reports; 16.7.10. end the insured person's claim if, during the course of the claim, Lawclub thinks there is no longer a reasonable chance of success. If the insured person continues the claim and gets a better settlement than Lawclub expected, we will pay the insured person's reasonable legal costs which the insured person cannot recover from anywhere else; 16.7.11. settle the legal costs covered by this policy at the end of the claim; 16.7.12. end the insured person's claim and recover any legal costs from the insured person which we have already paid or agreed to pay if: i) the representative reasonably refuses to continue acting for the insured person because of any unreasonable act or failure to act by the insured person; or ii) the insured person unreasonably withdraws the insured person's claim from the representative without Lawclub's agreement; and iii) Lawclub does not agree to appoint another representative to continue the insured person's claim; 16.7.13. neither we nor Lawclub will be bound by any agreement between the insured person and the representative or the insured person and any other person or organisation. PMBP151210Minibus Minibus Plus Policy Page 27 of 39
17 General exceptions Your policy does not cover: 17.1 Use and driving not confirmed by your certificate of motor insurance accident, bodily injury, loss or damage while your vehicle is being used or driven other than in accordance with the terms of your certificate of motor insurance except that cover will not be withdrawn: 17.1.1 while your vehicle is in the custody or control of a member of the motor trade for overhaul upkeep or repair; 17.1.2 if the bodily injury loss or damage was caused by theft of your vehicle or its being taken without your consent or other lawful authority; 17.1.3 by reason of the person driving not holding a valid licence to drive your vehicle if at the time of the event giving rise to the claim you had no knowledge of such deficiency; 17.1.4 while your vehicle is driven by you if you hold a valid licence to drive your vehicle or you have held and are not disqualified for holding or obtaining such a licence; 17.2 Contractual liability any liability you have accepted solely by virtue of an agreement but which would not attach if that agreement did not exist except as provided in section 8. 17.3 Registered outside United Kingdom any accident, bodily injury loss or damage (except under section 9) if any vehicle is registered elsewhere than in the United Kingdom. 17.4 Uninsured Loss loss or destruction of or damage to any property or any loss or expense resulting or arising from it or damage other than the damage expressly and specifically insured under this policy. 17.5 Radiation 17.5.1 ionising radiations or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; 17.5.2 the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. 17.6 Terrorism and war 17.6.1 any loss arising directly or indirectly out of terrorism, war, invasion, acts of foreign enemies, hostilities or war like operations (whether war be declared or not), civil war, mutiny, revolution, rebellion, insurrection, uprising, military or usurped power, nationalisation, requisition, sequestration or confiscation by order of any public authority or government de jure or de facto or martial law except so far as is necessary to meet the requirements of the Road Traffic Acts. PMBP151210Minibus Minibus Plus Policy Page 28 of 39
Page 1 and 2: PMBP151210 COVER.qxp:Layout 1 6/7/1
Page 3 and 4: Contents Welcome to your insurance
Page 5 and 6: How to claim If you want to make a
Page 7 and 8: Your cancellation rights Cooling of
Page 9 and 10: Financial Services Compensation Sch
Page 11 and 12: 2 Loss of or damage your vehicle 2.
Page 13 and 14: 2.6.8 loss of or damage to your veh
Page 15 and 16: 7 Liability to third parties 7.1. Y
Page 17 and 18: 7.4.8. Property in your care and co
Page 19 and 20: 10.2. Dental injury expenses In the
Page 21 and 22: use reasonable care and skill when
Page 23 and 24: ) onward transportation if your veh
Page 25 and 26: 15.5.13. If the service you require
Page 27: 16.4.11 disputes between the insure
Page 31 and 32: 19 General conditions 19.1. Anti-fr
Page 33 and 34: 19.9. Duty to prevent loss or damag
Page 35 and 36: 20 Definition of terms The followin
Page 37 and 38: 20.16. Insured person Insured perso
Page 39 and 40: 20.33.2. other country for which th

Minibus Plus Policy Wording - QBE

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