Motor insurance: “Arising out of the use of a vehicle”

Section 145 of the Road Traffic Act 1988 requires insurance for damage caused by or arising out of the use of a motor vehicle on a road or in a public place. The phrase “arising out of the use of” has given rise to some difficult borderline cases. The decision of Tipples J in Carroll v Taylor and Others [2020] EWHC 153 (QB) is perhaps rather more straightforward on the facts, but the judgment is very helpful on its analysis of previous authority.

Carroll : the facts