Minibus Plus Policy Wording - QBE

20.16. Insured person
Insured person means:
20.16.1. the policyholder;
20.16.2. other persons who are permitted by your certificate of motor insurance to drive or use the
vehicle;
20.16.3. at your request
a) any person getting into or out of or travelling in your vehicle;
b) the owner of your vehicle if someone other than yourself.
20.16.4 But for section 10, insured person means:
any person or category of persons up to the age of seventy five (75) specified in the
schedule as being an insured person. Cover applies until the end of the period of
insurance in which the insured person attains the age of seventy five (75) years or the date
upon which the insured person ceases employment with the insured, whichever occurs first.
Notwithstanding this clause and subject to special exception by the insurer the age
limitation of an insured person can be increased up to a maximum of eighty (80) years.
20.16.5 But for section 16, insured person means:
you and any passenger or driver who is in or on your vehicle with your permission. Anyone
claiming under this policy must have your agreement to claim.
20.17. Lawclub
Lawclub means Lawclub Legal Protection registered address: Redwood House,
Brotherswood Court, Great Park Road, Bradley Stoke, Bristol BS32 40W.
20.18. Legal Costs
Legal costs means 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. Legal costs shall also include 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.
20.19. Loss of limb
Loss of limb means:
20.19.1 in the case of a lower limb loss by physical severance at or above the ankle or permanent
and total loss of and/or total and irrecoverable loss of use of an entire leg or foot;
20.19.2 in the case of an upper limb loss by physical severance of the entire four fingers through or
above the meta carpo phalangeal joints or permanent and total loss of and/or total and
irrecoverable loss of use of an entire arm or hand.
20.20. Market value
Market value means the replacement value of the same make and model of vehicle of a
similar age and condition and history as determined by reference to vehicle value
publications.
20.21. Period of insurance
Period of insurance means the period starting from the effective date and local time to the
expiry date shown in the schedule and any further period for which we agree to insure you.
20.22. Permanent disablement
Permanent disablement means permanent and irrecoverable disablement as listed on the
schedule of compensation in the schedule.
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