Spontaneous combustion – fire damage and motor insurance in Europe

Linea Directa v Segurcaixa is a straightforward subrogation claim between two insurers, but its facts make it unusual: the claim was made against a motor insurer for reimbursement of fire damage resulting from a parked car catching fire over 24 hours after it had last been driven.

Previous blogs about the European Court’s wide interpretation of the scope of compulsory insurance required by the Motor Insurance Directive (2009/103) have highlighted the court’s expansionist approach which runs through the case law since its key decision in Vnuk v Zararovalnica in 2014. This latest development is no exception to that.

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Further European questions on the compulsory motor insurance regime

Several recent developments which are likely to affect the ultimate policy outcome for motor insurance law in the UK should be noted, namely the ongoing REFIT legislative process and the recent cases BTA Baltic Insurance and Cameron v Hussain.

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European Parliament resurrects “use in traffic” for determining scope of compulsory motor insurance

The recent draft report from the European Parliament’s Internal Market and Consumer Protection Committee (IMCO) takes a very different approach to the Commission’s recommendations (made this May) for amending the scope of the Motor Insurance Directive (MID) and focuses on the use of motor vehicles in traffic.

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