{
  "url": "https://openlegislation.uk/eu-directive-2009-103",
  "json_url": "https://openlegislation.uk/eu-directive-2009-103.json",
  "id": "eudr/2009/103",
  "title": "Directive 2009/103/EC of the European Parliament and of the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability (codified version) (Text with EEA relevance)",
  "short_title": "Directive 2009/103/EC of the European Parliament and of the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability (codified version)",
  "long_title": "Directive 2009/103/EC of the European Parliament and of the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability (codified version) (Text with EEA relevance)",
  "citation": "EU Directive 2009/103",
  "type": "eudr",
  "year": "2009",
  "number": "103",
  "version": "current",
  "date": "2009-09-16",
  "revised": false,
  "valid_from": null,
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/eu-directive-2009-103/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "chapter/1",
      "kind": "chapter",
      "number": "1",
      "heading": "GENERAL PROVISIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/1",
      "kind": "article",
      "number": "1",
      "heading": "Definitions",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/2",
      "kind": "article",
      "number": "2",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/3",
      "kind": "article",
      "number": "3",
      "heading": "Compulsory insurance of vehicles",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/4",
      "kind": "article",
      "number": "4",
      "heading": "Checks on insurance",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/5",
      "kind": "article",
      "number": "5",
      "heading": "Derogation from the obligation in respect of compulsory insurance of vehicles",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "article/6",
      "kind": "article",
      "number": "6",
      "heading": "National insurers’ bureaux",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/1"
    },
    {
      "path": "chapter/2",
      "kind": "chapter",
      "number": "2",
      "heading": "PROVISIONS CONCERNING VEHICLES NORMALLY BASED IN THE TERRITORY OF THIRD COUNTRIES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/7",
      "kind": "article",
      "number": "7",
      "heading": "National measures concerning vehicles normally based on the territory of third countries",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/2"
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": "Documentation concerning vehicles normally based in the territory of third countries",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/2"
    },
    {
      "path": "chapter/3",
      "kind": "chapter",
      "number": "3",
      "heading": "MINIMUM AMOUNTS COVERED BY COMPULSORY INSURANCE",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": "Minimum amounts",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/3"
    },
    {
      "path": "chapter/4",
      "kind": "chapter",
      "number": "4",
      "heading": "COMPENSATION FOR DAMAGE CAUSED BY AN UNIDENTIFIED VEHICLE OR A VEHICLE FOR WHICH THE INSURANCE OBLIGATION PROVIDED FOR IN ARTICLE 3 HAS NOT BEEN SATISFIED",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/10",
      "kind": "article",
      "number": "10",
      "heading": "Body responsible for compensation",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "article/11",
      "kind": "article",
      "number": "11",
      "heading": "Disputes",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/4"
    },
    {
      "path": "chapter/5",
      "kind": "chapter",
      "number": "5",
      "heading": "SPECIAL CATEGORIES OF VICTIM, EXCLUSION CLAUSES, SINGLE PREMIUM, VEHICLES DISPATCHED FROM ONE MEMBER STATE TO ANOTHER",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/12",
      "kind": "article",
      "number": "12",
      "heading": "Special categories of victim",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/5"
    },
    {
      "path": "article/13",
      "kind": "article",
      "number": "13",
      "heading": "Exclusion clauses",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/5"
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": "Single premium",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-14",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/5"
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": "Vehicles dispatched from one Member State to another",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/5"
    },
    {
      "path": "chapter/6",
      "kind": "chapter",
      "number": "6",
      "heading": "STATEMENT, EXCESS, DIRECT ACTION",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/16",
      "kind": "article",
      "number": "16",
      "heading": "Statement relating to the third party liability claims",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-16",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/6"
    },
    {
      "path": "article/17",
      "kind": "article",
      "number": "17",
      "heading": "Excess",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/6"
    },
    {
      "path": "article/18",
      "kind": "article",
      "number": "18",
      "heading": "Direct right of action",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/6"
    },
    {
      "path": "chapter/7",
      "kind": "chapter",
      "number": "7",
      "heading": "SETTLEMENT OF CLAIMS ARISING FROM ANY ACCIDENT CAUSED BY A VEHICLE COVERED BY INSURANCE AS REFERRED TO IN ARTICLE 3",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/19",
      "kind": "article",
      "number": "19",
      "heading": "Procedure for the settlement of claims",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-19",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/7"
    },
    {
      "path": "article/20",
      "kind": "article",
      "number": "20",
      "heading": "Special provisions concerning compensation for injured parties following an accident in a Member State other than that of their residence",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-20",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/7"
    },
    {
      "path": "article/21",
      "kind": "article",
      "number": "21",
      "heading": "Claims representatives",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/7"
    },
    {
      "path": "article/22",
      "kind": "article",
      "number": "22",
      "heading": "Compensation procedure",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-22",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/7"
    },
    {
      "path": "article/23",
      "kind": "article",
      "number": "23",
      "heading": "Information centres",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-23",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/7"
    },
    {
      "path": "article/24",
      "kind": "article",
      "number": "24",
      "heading": "Compensation bodies",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-24",
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "article/25",
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      "number": "25",
      "heading": "Compensation",
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      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "article/26",
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      "number": "26",
      "heading": "Central body",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-26",
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      "status": null,
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    },
    {
      "path": "article/27",
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      "heading": "Penalties",
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      "status": null,
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    },
    {
      "path": "chapter/8",
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      "heading": "FINAL PROVISIONS",
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      "status": null,
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    },
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      "path": "article/28",
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      "path": "article/29",
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      "path": "article/30",
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      "number": "30",
      "heading": "Entry into force",
      "url": "https://openlegislation.uk/eu-directive-2009-103/article-30",
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      "status": null,
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    },
    {
      "path": "article/31",
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      "heading": "Addressees",
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      "status": null,
      "parent": "chapter/8"
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
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      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "annex/I",
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      "heading": null,
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    }
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  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/2009/103",
    "retrieved_at": "2026-11-01T15:22:07.659451+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}