Subject to the terms and conditions of this policy, the insurer will pay:
- legal costs and expenses incurred by the insurer, or the insured with the insurer’s written consent, in the settlement or defence of any claim for compensation in respect of which the insured is entitled to indemnity under this policy, or if sustained, would be so entitled.
- the expenses incurred by the insured for first aid to others at the time of personal injury caused by an occurrence (other than medical expenses prohibited by law).
The amount of such costs and expenses as described under this clause are payable by the insurer in addition to the limit of liability specified in the schedule.