Motor vehicle insurance: the Department for Transport’s Consultation

It is over two years since the CJEU’s decision on the scope of compulsory third-party motor insurance (CTPMI) in Vnuk v Zavarovalnica Triglav Case C-162/13 [2015] Lloyd’s Rep IR 142. The case involved an accident in Hungary, where a tractor and a trailer collided with a ladder on a private farm, causing personal injury to the claimant.

The CJEU was requested to interpret the scope of “the use of vehicles” in article 3(1) of the First Motor Insurance Directive. The CJEU held that CTPMI must cover for “any use of a vehicle that is consistent with the normal function of that vehicle”.