{
  "url": "https://openlegislation.uk/eu-directive-2009-103/article-3",
  "json_url": "https://openlegislation.uk/eu-directive-2009-103/article-3.json",
  "legislation": "eudr/2009/103",
  "legislation_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)",
  "legislation_url": "https://openlegislation.uk/eu-directive-2009-103",
  "path": "article/3",
  "kind": "article",
  "number": "3",
  "heading": "Compulsory insurance of vehicles",
  "text": "Each Member State shall, subject to Article 5, take all appropriate measures to ensure that civil liability in respect of the use of vehicles normally based in its territory is covered by insurance.\nThe extent of the liability covered and the terms and conditions of the cover shall be determined on the basis of the measures referred to in the first paragraph.\nEach Member State shall take all appropriate measures to ensure that the contract of insurance also covers:\n(a) according to the law in force in other Member States, any loss or injury which is caused in the territory of those States;\n(b) any loss or injury suffered by nationals of Member States during a direct journey between two territories in which the Treaty is in force, if there is no national insurers’ bureau responsible for the territory which is being crossed; in such a case, the loss or injury shall be covered in accordance with the national laws on compulsory insurance in force in the Member State in whose territory the vehicle is normally based.\nThe insurance referred to in the first paragraph shall cover compulsorily both damage to property and personal injuries.",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/2009/103/article/3",
    "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."
}