Section I - Motor Vehicle 1) Uninsured Loss Recovery


the pursuit of the insured’s legal rights to obtain a remedy or recover damages from a third party following an event causing loss or damage to an insured vehicle and/or injury to an authorised person provided that:


i) the insured and any agent or representative of the insured complies with all legal requirements; ii) the insured vehicle shall include any property either owned by the insured or for which the insured is legally responsible whilst such property is in or on any insured vehicle.


2) Contract


the pursuit or defence of legal proceedings relating to a contract entered into by, or on behalf of the insured for the sale, purchase, hire, service, test or insurance of an insured vehicle


provided that: i)


ii)


the amount in dispute exceeds the minimum amount in dispute specified in the schedule; for the purposes of this section the insured vehicle includes spare parts and accessories.


Exclusions specific to Section I(2)


The insurer will not pay legal expenses arising from or relating to:


i) a dispute about either the amount an insurance company should pay to settle an insurance claim or the way a claim should be settled;


ii) a debt owed to the insured. 3) Criminal Prosecution i)


ii)


the insured’s prosecution in any criminal court relating to the ownership or use of an insured vehicle; an application by the insured to remove a driving licence disqualification;


iii) representation of the insured at legal proceedings concerning the revocation, curtailment or suspension of the insured’s Operators, Heavy Goods Vehicle, Public Service Vehicle, Road Service, Hackney Carriage, Private Hire Car or Taxi licence.


Exclusions specific to Section I (3) The insurer will not pay legal expenses arising from or relating to: i)


an allegation of drink or drug use by the insured; ii) any alleged deliberate or intentional act unless charges are dismissed or the insured is acquitted. Exclusion specific to Section I


The insurer will not pay legal expenses arising from or relating to the use of an insured vehicle for racing, rallies, competitions


or trials of any kind. Section J - Bodily Injury


the pursuit of compensation following an event which causes the death of or bodily injury to the insured. This section extends to cover members of the insured’s family who suffer bodily injury following an event that also causes bodily injury to the insured


provided that the insured agrees to appoint a representative nominated by us as the appointed representative.


Exclusions specific to Section J The insurer will not pay legal expenses arising from or relating to: i)


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any illness or bodily injury which develops gradually or is not caused by a specific or sudden accident;


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