Minibus Plus Policy Wording - QBE

20.33.2. other country for which the commission of the European Union is satisfied that
arrangements have been made to meet the requirements of EU Directives on insurance. At
the time of going to print they include:
Andorra, Croatia, Iceland, Liechtenstein, Norway, Switzerland.
20.34. Terrorism
Terrorism means an activity that involves a violent act or the unlawful use of force or an
unlawful act dangerous to human life, tangible or intangible property or infrastructure, or a
threat thereof; and appears to be intended to:
20.34.1. intimidate or coerce a civilian population; or
20.34.2. disrupt any segment of the economy of a government by law or by practice, state, or
country; or
20.34.3. overthrow, influence, or affect the conduct or policy of any government by law or by practice
by intimidation or coercion; or
20.34.4. affect the conduct or policy of any government by law or by practice, by mass destruction,
assassination, kidnapping or hostage-taking.
20.35. Total loss of hearing
Total loss of hearing means an injury causing permanent and total loss of hearing which last
twelve (12) calendar months from the date of accident or loss of hearing and at the expiry of
that period being beyond hope of improvement.
20.36. Total loss of sight
Total loss of sight means an injury causing either:
20.36.1 permanent and total loss of sight in both eyes where an insured person’s name has been
added to the Register of Blind Persons on the authority of a qualified ophthalmic specialist;
or
20.36.2 permanent and total loss of sight in one eye, if the degree of sight remaining after correction
is 3/60 or less of the Snellen Scale (seeing at three (3) feet what an insured person should
see at sixty (60) feet), which lasts twelve (12) calendar months from the date of accident or
loss of sight (if later) and at the expiry of that period being beyond hope of improvement.
20.37. Total loss of speech
Total loss of speech means an injury causing permanent and total loss of speech which
lasts twelve (12) calendar months from the date of accident or loss of speech (if later) and
at the expiry of that period being beyond hope of improvement.
20.38. Trailer
Trailer means any form of trailer that has been built to be towed by a motor car or minibus or
commercial vehicle up to 3.5tonne.
20.39. United Kingdom
United Kingdom means Great Britain, Northern Ireland, the Isle of Man and the Channel
Islands.
20.40. We/our/us
We/our/us means QBE Insurance (Europe) Limited whose Head office and registered
address is:
Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, tel: +44 (0)20 7105 4000 fax:
+44 (0)20 7105 4019. Registered in England No. 1761561. Home State - United Kingdom.
Authorised and regulated by the Financial Services Authority. Registration Number 202842.
PMBP151210Minibus Minibus Plus Policy Page 38 of 39