QBE Endorsements attaching to the Commercial Vehicle and Fleet Document

QBE Endorsements attaching to the Commercial Vehicle and Fleet Document

General endorsements are coded as follows: FA = Use FB = Drivers FC = Excesses F--- = Cover Extensions/Limitations FE/R/X = Specialist The most commonly used endorsements are included within the policy document refer to Section 10. The following table summarises other regularly used endorsements. These are supported by the full endorsement wordings. Please bear in mind that some of the endorsement wordings may be scheme or class specific and are not automatically available. The intention of this document is to provide easy access to the endorsement wordings. Any terms/exclusions that are not catered for within this document should be referred to the relevant QBE Fleet Underwriting Department for guidance.

Endt Ref Summary F069 Audio, Visual and Vending Equipment. F073 Fleet Scale Bonus. F089 Static risks other than RTA. F095 Skips Third Party Only Attached Only. F102 Terrorism Cover. F126 Unauthorised Use Comprehensive F127 Unauthorised Movement Comprehensive F145 Passenger Luggage and Personal Effects. F163 Earthquake Cover within E U Countries, Switzerland or Norway but excluding Turkey. F166 Laid-Up Vehicles Secure Compound/Premises. F175 Minimum and Deposit Premium. F187 Personal Effects. F188 Medical Expenses. F192 Limit as Shown Specified Vehicles. F193 Fitted Telephones Specified Vehicles Limit as Shown. F242 Special Types Third Party Only as Specified. F245 Fixtures, Fittings and Contents. F286 Tracker/Trackback Condition. F289 Repair to Windscreen Excess. F316 Corporate Manslaughter and Corporate Homicide Act 2007. FA06 Named Persons for Business Purposes. FA08 Occasional Business Use. FA16 Trade Plate Reg No and Max Value Specified Any Vehicle Property of Insured. FA31 Social, Domestic and Pleasure Use and Own Goods in respect of Specified Vehicle. FA40 Social, Domestic and Pleasure Use and Business Use for Specified Vehicle. FB12 Drivers to be Accompanied. FB16 Named Driver(s) to be Accompanied. FC04 Windscreen. FC05 Damage, Fire and Theft whilst Tipping. FT21 Trailers Comprehensive Specified Attached/Detached. FT23 Trailers Comprehensive Unspecified Attached/Detached. FT32 Trailers Detached on Customer s Premises. FT33 Trailers Detached at Specified Locations.

F069 Extension: Audio, visual and vending equipment Cover under this policy for loss of or damage to the insured vehicle extends to include unspecified audio & visual equipment and food/drink vending machines to the limit as specified in the schedule provided that: a) such items are permanently fitted to the insured vehicle; b) the insurance granted by this endorsement will be subject to the policy accidental damage excess; c) the insurer will not be liable for the loss of or damage to tapes or compact discs; d) third party liability (other than liability arising under the Road Traffic Act 1988) is excluded in respect of passengers being served with drinks. F073 General terms and conditions: Fleet scale bonus A retrospective claim bonus will apply to this policy as follows: Loss Ratio Not Exceeding Bonus 50% 5.0% 40% 7.5% 30% 10.0% The Loss Ratio is based on the total incurred claims as a percentage of gross premiums (excluding IPT) for the same period of insurance. This bonus will be considered in the first instance at fifteen (15) months from the start of the period of insurance and finally at twenty-four (24) months from the start of the period of insurance. The rebate is conditional upon this policy being renewed for a further minimum period of twelve (12) months. Any deficit from a previous period of insurance will be brought forward and taken into account when calculating the rebate. F089 Exclusion and limitation: Static risks other than RTA Regarding cover under this policy for liability to others, other than as required under the terms of the Road Traffic Act the insurer will not be liable whilst the insured vehicle is off- road, stationary, (static) and is for the purposes of being used as a working, exhibition or promotional vehicle. F095 Extension: Skips - third party only - attached only The insurance by insured section A extends to apply in respect of any skip while attached to the insured vehicle except that this extension of cover excludes and the insurer will not be liable in respect of any detached skip. F102 Terrorism cover Insured section B of this policy extends to cover loss or damage caused by acts of terrorism not exceeding the limit specified in the schedule in respect of any loss or series of loss resulting from one event.

F126 Extension: Unauthorised use - comprehensive The insurance by this policy is extended to cover liability, loss or damage arising out of the unauthorised use of the insured vehicle by any person in the employ of the insured provided that the insured has taken all reasonable precautions to ensure that its employees are made aware of and comply with restrictions applicable to the use of the insured vehicle. F127 Extension: Unauthorised movement - comprehensive The insurance by this policy is extended to cover liability, loss or damage to the insured vehicle as a result of an accident caused by or in connection with the moving without the authority of the owner of any motor vehicle parked in such a position as to obstruct the legitimate passage or the loading or unloading of the insured vehicle. In these circumstances the obstructing vehicle will not be regarded as being held in trust by or in the custody or control of the insured. F145 Extension: Passenger luggage & personal effects Cover under this policy for liability to others extends to include any claim for loss or damage to passengers luggage and personal effects provided always that the insurer's maximum liability will be: a) GBP500 in respect of any one passenger; and/or b) GBP30,000 in respect of any one insured vehicle for any one accident or series of accidents arising out of one event; and/or c) GBP50,000 in respect of any one period of insurance; provided always that the insurer will not be liable for the first GBP50 (Fifty Pounds) in respect of each passenger up to a maximum of GBP1,000 (One Thousand Pounds) per accident. F163 Amendment: Earthquake cover within E U countries, Switzerland or Norway but excluding Turkey The limitation and exclusion relating to earthquakes is amended to provide cover while the insured vehicle is being kept or used in any E U Country, Switzerland or Norway but excluding Turkey. F166 Condition precedent: Laid up vehicles - secure compound/premises It is a condition precedent to the insurer s liability under this policy that while any insured vehicle is laid up or off the road that it is kept in a locked and secure compound or within secure premises. F175 General terms and conditions: Minimum and deposit premium The insurance provided for this period of insurance is subject to a general condition that the insured will pay at least the minimum premium specified. Returns of premium will not be released if this results in the annual premium reducing to a figure below the minimum premium as specified in the schedule.

If the policy is cancelled during this period of insurance it is agreed that irrespective of any finance/cancellation agreement which may be in force that in circumstances where a cancellation return premium would normally be allowed the amount of such cancellation return premium will not reduce the premium payable to the insurer to a level below the minimum premium specified in the schedule. F187 Inclusion: Personal effects It is agreed that the limit of indemnity under insured section B - Loss or damage to the insured vehicle; Extensions to loss or damage cover; Personal Effects is as specified in the schedule. F188 Inclusion: Medical expenses It is agreed that the limit of indemnity under insured section B - Loss or damage to the insured vehicle; Extensions to loss or damage cover; Medical expenses is as specified in the schedule. F192 Extension: Limit as shown - specified vehicles Cover under this policy for loss of or damage to the insured vehicle extends to cover permanently fitted audio or sound reproducing equipment fitted in the vehicle/vehicles specified in the schedule to the limit as specified in the schedule. Other than for theft, the insurer will only be liable if the insured vehicle is damaged as a result of an accident at the same time. F193 Extension: Fitted telephones - specified vehicles - limit as shown Cover by insured section B extends to cover a permanently fitted telephone in the vehicle/vehicles specified against this endorsement reference as specified in the schedule except that this policy excludes and the insurer will not be liable for: a) any amount in excess of the limit stated by this endorsement; and b) other than for theft, for any loss or damage unless the insured vehicle is damaged as a result of an accident at the same time F242 Extension: Special types - third party only - as specified The insurance by insured section A extends to cover a special type vehicle as specified in the schedule which is owned by or in the custody or control of the insured. The insurer will not be liable in respect of any accident and or claim arising out of the operation as a tool of any insured vehicle or trailer except in so far as may be required by the Road Traffic Acts

F245 Exclusion: Fixtures, fittings & contents This policy excludes and the insurer will not be liable for: a) loss of or damage to the contents other than the fixtures and fittings supplied by the makers and permanently fixed to any insured vehicle; and b) any claim arising from or caused by fire or explosion or otherwise arising out of or attributable to any lighting, heating or cooking apparatus except that this exclusion will not apply where any insured vehicle is damaged by an accident at the same time as such fixtures and fittings; and c) any liability arising out of loss of use of any such fixtures, fittings or any contents. F286 Condition precedent: Tracker/trackback condition Regarding the cover provided by this policy for loss or damage to the insured vehicle from theft it is a condition precedent to the insurer s liability under this policy that the vehicle(s) specified in the schedule will be fitted with either a Tracker or Trackback system and that such system will be activated whenever the vehicle(s) are parked or left unattended. F289 Repair to windscreen - excess The excess specified in the schedule will not apply in respect of glass in any windscreen, window or sunroof if the glass is repaired and not replaced. F316 Corporate Manslaughter and Corporate Homicide Act 2007 If arising out of the use of the insured vehicle it is involved in an accident or an accident occurs in direct connection with the loading or unloading thereof the insurer will at their own option arrange legal services and with their written consent the insurer will pay: The cost of legal expenses in respect of the defence of criminal proceedings including any appeal against a conviction arising from such criminal proceedings or allegations of corporate manslaughter or corporate homicide made against the insured or any other insured party: Provided always that: i) this insured section does not cover fines or penalties or any amount in excess of GBP1m (one million pounds) ii) the offence alleged was committed during the period of insurance and in the course of business iii) the offence alleged was committed in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands iv) the insured must notify the insurer immediately of any legal process served on the insured v) this insured section does not cover any deliberate or intentional act which gives rise to a charge of corporate manslaughter or corporate homicide vi) this insured section does not cover any circumstances where the insured or other insured party is entitled to indemnity under another insurance

FA06 Extended use: Named persons for business purposes This insurance extends to operate while the insured vehicle is being used in person by the person specified in the schedule in connection with their business or profession or of their employer or partner, but excluding use for commercial travelling or any purpose in connection with the motor trade. FA08 Extended Use: Occasional business use This policy extends to operate while any vehicle not provided by the insured is being used on the business of the insured by any authorised employee of the insured. FA16 Purpose of use: Trade Plate - Reg No and max value specified - Any vehicle property of insured. This policy extends to cover any motor vehicle not exceeding the value as specified in the schedule the property of the insured while being used for testing, demonstrating, collection or delivery or for any other purpose in connection with this insured's trade (excluding use for social domestic and pleasure purposes or for hire or reward) and running under the trade plate no(s) as specified in the schedule while such vehicle is on the road or is temporarily garaged during the course of a journey elsewhere that in or on any premises owned by or in the occupation of the insured. The insurer will not be liable in respect of any accident which may occur while the vehicle concerned is being used outside the licensing regulations governing the issue of such trade plates. FA31 Restricted use: Social, domestic and pleasure use and own goods in respect of specified vehicle This policy excludes and the insurer will not be liable for any liability, loss or damage if the insured vehicle(s) specified in the schedule is used for hire or reward or for any purpose other than use in connection with the insured's business or for social domestic and pleasure purposes. FA40 Restricted use: Social, domestic and pleasure use and business use for a specified vehicle This policy excludes and the insurer will not be liable for any liability, loss or damage while the insured vehicle specified in the schedule against this endorsement reference is being used for: a) purposes other than social, domestic and pleasure purposes and the business of the insured; (b) carriage of passengers for hire or reward of for hiring, racing, competitions, rallies or trials or for any purpose in connection with the motor trade. FB12 Drivers - Drivers to be accompanied This insurance does not operate and the insurer will not be liable whilst the insured vehicle is being driven by or for the purpose of being driven in the charge of the person(s) as specified in the schedule unless accompanied by the person(s) or classes of person(s) as specified in the schedule.

FB16 Drivers - Named driver(s) to be accompanied This policy excludes and the insurer will not be liable while the insured vehicle is being driven by or for the purpose of being driven is in the charge of the person(s) as specified in the schedule unless such person is accompanied by the person(s) or classes of person(s) as specified in the schedule. FC04 Excess: Windscreen The insurer shall not be liable to pay the first amount specified in the schedule of each claim arising under insured section B in respect of the cost of repairing or replacing broken glass in the windscreen and/or windows of the insured vehicle and any scratching of the surrounding bodywork which results solely and directly from such breakage. FC05 Excess: Damage, Fire and Theft whilst Tipping The insurer shall not be liable to pay the first amount as specified in the schedule of each claim arising under insured section B in respect of claims arising out of the use of tipping gear. FT21 Extension: Trailers - comprehensive specified attached/detached The insurance granted by insured section B extends to cover any trailer as declared to the insurer in the trailer schedule while: 1. attached to the insured vehicle; or 2. detached from the insured vehicle but remaining on the insured's premises; or 3. temporarily detached from the insured vehicle during the course of a journey but remaining in the custody or control of the insured. FT23 Extension: Trailers - Comprehensive unspecified attached/detached The insurance granted by insured section B is extended to cover any unspecified trailer up to the maximum value as specified in the schedule while: 1. attached to the insured vehicle; or 2. detached from the insured vehicle but remaining on the insured's premises; or 3. temporarily detached from the insured vehicle during the course of a journey but remaining in the custody and control of the insured. FT32 Extension: Trailers - Detached on customer s premises Any cover under this policy in respect of detached trailers will be extended to include customer s premises. FT33 Restriction: Trailers - Detached at Specified Locations Any cover under this policy in respect of detached trailers will be restricted to those location(s) as specified in the schedule.