Motor Vehicle Insurance (European Countries) (Hansard, 15 March 1973)

§ Mr. Peyton

The information available to me is as follows: 425W

Country		Extent of Compulsory Insurance Requirement
France	…	Liabilities, subject to the limits shown, for death, personal injury or property damage:—
		Public service and public goods carrying vehicles—unlimited. Any vehicle carrying more than eight persons, plus driver—unlimited. Private goods carrying vehicles having an overall weight in excess of 3,500 kgs when loaded—unlimited.
		All other motor vehicles—500,000 frcs. When a trailer and load exceeding 750 kgs in overall weight is attached to a vehicle the guarantee must be unlimited.
Notes:
1. Owners of vehicles with less than four wheels need not have passenger liability cover if they give an undertaking not to carry passengers.
2. Liabilities to owners or drivers, or to their spouses, "ancestors", descendants or employees travelling as passengers are not required to be insured.

Federal Republic of Liabilities, subject to the limits shown, for death, personal injury or property Germany. damage:—
					DM.
	(a) Personal injury	…	…	…	500,000
	Several persons injured in one accident	…	…	…	750,000
	(b) Material damage	…	…	…	100,000
	Consequential loss	…	…	…	20,000
	For motor vehicles with more than nine seats being used for the conveyance of passengers (driver's seat excluded), the amounts are increased for the 10th to the 80th seat:—
					DM.
	For personal injury, by	…	…	…	15,000
	For material damage, by	…	…	…	1,000
	For consequential loss, by	…	…	…	200
	For each additional seat after the 80th:—
					DM.
	For personal injury, by	…	…	…	8,000
	For material damage, by	…	…	…	1,000
	For consequential loss, by	…	…	…	200
Note:
Insurance is not required in respect of the use of motor vehicles whose maximum speed does not exceed 6 Km/hour, invalid carriages and self-propelled plant with a maximum speed of 20 Km/hour where approved by the Minister.
Republic of Ireland. Liabilities for death and personal injury (without limit) and property damage (subject to a limit of £1,000).
Notes:
1. Insurance for liabilities to passengers is not required in respect of station wagons and similar vehicles not fitted with seats to the rear of the driver's seat.
2. Liabilities to passengers conveyed by motor cycle whether in a sidecar or otherwise are not required to be insured.

Italy	Liabilities, subject to the limits shown, for death, personal injury or property damage:—
	1. Private motor cycles up to 150 cc:
	(a) L 15,000,000—Any one accident.
	(b) L 1,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	2. Private motor cycles exceeding 150 cc:
	(a) L 20,000,000—Any one accident.
	(b) L 1,500,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	3. Private motor cars:
	(a) L 25,000,000—Any one accident.
	(b) L 3,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	4. Private motor-buses:
	(a) L 50,000,000—Any one accident.
	(b) L 5,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	5. Light vans for hire or for public use:
	(a) L 25,000,000—Any one accident.
	(b) L 3,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.

426W 427W

Country	Extent of Compulsory Insurance Requirement
	6. Motor vehicles for hire or for public use, trolley buses and trailers for passenger transport and lorries which are, in exceptional cases, used for passenger transport:
	(i) Vehicles with not more than 9 seats:
	(a) L 40,000,000—Any one accident.
	(b) L 3,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	(ii) Vehicles with 10 to 30 seats:
	(a) L 100,000,000—Any one accident.
	(b) L 10,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	(iii) Vehicles with 31 to 80 seats:
	(a) L 150,000,000—Any one accident.
	(b) L 10,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	(iv) Vehicles with more than 80 seats:
	(a) L 200,000,000—Any one accident.
	(b) L 10,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	7. Motor vehicles, trolley buses and trailers for carriage of goods or for carriage of goods and passengers or for special purposes or for specific kinds of transport:
	(i) Vehicles not exceeding 25 quintals when fully laden:
	(a) L 25,000,000—Any one accident.
	(b) L 3,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	(ii) Vehicles not exceeding 70 quintals when fully laden:
	(a) L 40,000,000—Any one accident.
	(b) L 5,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
	(iii) Vehicles exceeding 70 quintals when fully laden:
	(a) L 50,000,000—Any one accident.
	(b) L 7,000,000—Material damage.
	(c) L 15,000,000—Each person—Personal injury.
Note: Liability to passengers is not required to be covered, except passengers in public service vehicles, hired cars, or goods vehicles specially authorised for passenger carriage.

Luxembourg	Liabilities, subject to the limits shown, for death, personal injury or property damage:—
	Frs 4,000,000—for motor cycles with or without sidecars or trailers, invalid carriages and motor-assisted pedal cycles.
	Frs 6,000,000—for motor vehicles or trailers of a seating capacity not exceeding 6½ persons or if that number of persons are being carried as well as goods carrying vehicles, if their total authorised maximum weight does not exceed 3,500 kg trailers not used for carrying passengers, tractors and self-propelled vehicles.
	Frs 15,000,000—for motor vehicles or trailers of a seating capacity not exceeding 20 persons or if that number of persons are being carried as well as goods-carrying vehicles if their total authorised maximum weight exceeds 3,500 kg.
	Frs 30,000,000—for buses or coaches capable of carrying more than 20 persons or if more than that number of persons are being carried as well as trailers used for the same purpose.
	The sums insured cover both personal injury and material damage claims, but if any one loss exceeds the sum insured, personal injury claims must be satisfied first. Liability for material damage caused by fire or explosion consequent upon a motor accident may be limited to Frs 4 million in respect of any one occurrence.
	(The driver and persons who, under the provisions of the law, are not considered as third parties, are included in the calculation of the number of persons carried, children under 14 years being counted as one half.)
Notes:
1. Liabilities to owners or drivers, and to passengers who are their spouses or close relatives living in their households, are not required to be insured.
2. Liabilities are not required to be insured to those who have a right of compensation in respect of injuries sustained in the course of their employment, except where such persons may bring an action for damages against the insured.
3. Claimants other than passengers will be compensated in priority to passengers should the total liability exceed the sum insured. Personal injury claims must be satisfied before claims for material damage. Where the policy is cancelled as regards injured third parties the insurer remains liable to meet any claim for 16 days after notification to the Minister of Transport of the cancellation.

428W 429W

Country	Extent of Compulsory Insurance Requirement
4. Formal notification is awaited of a change in the law removing all limits on insurable liability.
Netherlands	Liabilities subject to the limit shown, for death, personal injury or property damage:—
	(a) Vehicles intended to carry up to eight persons (excluding the driver):
	Df1. 1,000,000 Personal injury.
	Material damage.
	(b) Vehicles intended to carry more than eight persons (excluding the driver):
	Df1. 3,000,000—Any one accident.
	Df1. 150,000—Each person—personal injury.
	Df1. 30,000—Material damage.
Notes:
1. Liabilities to owners or drivers, or to their spouses and blood relatives travelling as passengers are not required to be insured.
2. The law requires that the liability of passengers in motor vehicles be covered in addition to the liability of the driver, user or owner.