Minibus Plus Policy Wording - QBE

Contents
Welcome to your insurance policy.............................................................................. 3
Policy cover index ...................................................................................................... 3
How to claim............................................................................................................... 4
Cooling off period.................................................................................................... 6
After commencement of cover................................................................................ 6
Our cancellation rights ............................................................................................ 6
Complaints procedure ................................................................................................ 7
Financial Services Compensation Scheme................................................................ 8
1 Your contract of insurance ................................................................................... 9
2 Loss of or damage your vehicle ......................................................................... 10
3 Personal effects ................................................................................................. 12
4 Glass in windscreen, sunroof or windows .......................................................... 12
5 Replacement locks............................................................................................. 13
6 Payment to the owner ........................................................................................ 13
7 Liability to third parties ....................................................................................... 14
8 Payment to principals......................................................................................... 16
9 Continental use.................................................................................................. 16
10 Injury to the driver and passengers.................................................................... 17
11 Emergency treatment......................................................................................... 19
12 Medical expenses .............................................................................................. 19
13 No claim discount............................................................................................... 19
14 UK breakdown assistance ................................................................................. 19
15 European breakdown assistance....................................................................... 21
16 Legal services and advice - uninsured loss recovery......................................... 24
17 General exceptions............................................................................................ 28
18 Claims procedure............................................................................................... 29
19 General conditions............................................................................................. 30
20 Definition of Terms ........................................................................................... .34
PMBP151210Minibus Minibus Plus Policy Page 2 of 39