As we head towards Christmas with the reminder that a gift of a pet is “for life” and “not just for Christmas” a similar warning might be applied to those considering the 2016 “to do” list for UK general insurance. Continue reading
On 13 August 2015 it will be exactly eight years since a tractor knocked over the ladder on which Damijan Vnuk was standing while loading hay into the upper floor of a barn in rural Slovenia. He sued the tractor driver for compensation for his injuries. Eight years on, the ramifications of his claim are still shaking up insurance laws across the EU.
The European Court of Justice’s (ECJ) decision in Damijan Vnuk v Zararovalnica Triglav has significant ramifications for the scope of compulsory motor insurance and other liability insurances in the UK. In Vnuk, the ECJ concluded that the legal obligation to insure motor vehicles, set out in the EU Motor Insurance Directives (MID), should be interpreted to extend to ‘any use of a vehicle consistent with the normal function of that vehicle’. The use of a vehicle is a wide concept and includes ‘any use’ and is no longer restricted in geographic scope such as by reference to ‘road‘, ‘other public place’, or ‘private land’.