ARCHIVESHISTORIQUES
DELACOMMISSION
COLLECTION RELIEEDES
DOCUMENTS "COM"
COM(82)69
Vol.1982/0027

Disclaimer
Conformément aurèglement(CEE,Euratom)n°354/83duConseildu1erfévrier1983
concernantl'ouvertureaupublicdesarchiveshistoriquesdelaCommunauté économique
européenneetdelaCommunautéeuropéennedel'énergieatomique(JOL43du15.2.1983,
p.1),telquemodifiéparlerèglement(CE,Euratom)n°1700/2003du22septembre2003
(JOL243du27.9.2003,p.1),cedossierestouvertaupublic.Lecaséchéant,lesdocuments
classifiésprésentsdanscedossierontétédéclassifiésconformément àl'article5dudit
règlement.
InaccordancewithCouncilRegulation(EEC,Euratom)No354/83of1February1983
concerningtheopeningtothepublicofthehistoricalarchivesoftheEuropeanEconomic
CommunityandtheEuropeanAtomicEnergyCommunity(OJL43,15.2.1983,p.1),as
amendedbyRegulation(EC,Euratom)No1700/2003of22September2003(OJL243,
27.9.2003,p.1),thisfileisopentothepublic.Wherenecessary,classifieddocumentsinthis
filehavebeendeclassified inconformitywithArticle5oftheaforementioned regulation.
InÜbereinstimmung mitderVerordnung(EWG,Euratom)Nr.354/83desRatesvom1.
Februar1983überdieFreigabederhistorischen ArchivederEuropäischen
Wirtschaftsgemeinschaft undderEuropäischen Atomgemeinschaft (ABI.L43vom15.2.1983,
S.1),geändertdurchdieVerordnung(EG,Euratom)Nr.1700/2003vom22.September2003
(ABI.L243vom27.9.2003,S.1),istdieseDateiderÖffentlichkeitzugänglich.Soweit
erforderlich,wurdendieVerschlusssachen indieserDateiinÜbereinstimmung mitArtikel5
dergenanntenVerordnungfreigegeben.

COMMISSION OFTHEEUROPEAN COMMUNITIES
COM(82)69final
Brussels,22February1982
fy.^Â/
|/r!c\
Amendmentoftheproposalfora
-»»
SecondCouncilDirective
Ic •v.-■..
ontheapproximation ofthelawsoftheMemberStatesrelatingtoinsurance
.c-::^.v.../againstcivilliabilityinrespectoftheuseofmotorvehicles
(SubmittedtotheCouncilbytheCommissionpursuanttothesecond
paragraphofArticle149oftheEECTreaty)
C0M(82)69final

Explanatory Memorandum
IntheLightoftheOpinionsdeliveredbytheEuropeanParliament'' and
theEconomicandSocialCommittee^ontheproposalforaSecondCouncil
Directiveontheapproximation ofthelawsoftheMemberStatesrelating
toinsuranceagainstcivilliabilityinrespectoftheuseofmotor o
vehicles^,theCommissionherebysubmitsarevisedversionofits
proposal. ,
♦
Theprincipal amendmentstotheoriginaltextareasfollows:
1
» ■1
1.Aseparateceilingisfixedfordamagetoproperty(Article1.(1)).
2.TheMemberStatesmaylimitorexcludepaymentofcompensation by
theguaranteefundinrespectofdamagepropertycausedbyan
unidentified vehicle(Article1(3)).
3.Theinsurermaynotrely/forthepurposeofrefusingtomakepayment
toaninjuredthird,party,uponcertaincircumstances whicharethe
subjectofexclusionclausesinthepolicy(Article2).
\
4.TheMemberStatesmayauthorizetheexclusionfromcoverofmembers
ofthefamilyinrespectofdamagetoproperty (Article3).
5.Longerperiodsareallowedforimplementation oftheincreasesin
compulsory insurance amounts(Article5).
1.MinutesoftheMeetingof14.10.1981 (doc.PE74.857/p.11)
2.Sessionof25.2.1981 (0JC138of9.6.1981/p.15).
3.0JC214of23.8.1980/p.9.

-2-
1.TheCommission hasincorporated theproposal made bytheEconomic and
Social Committee andParliament byfixing aseparate limit /within the
compulsory insurance amounts proposed foralldamage /'for damage to
property .Theeffect ofthe last sentence inthefirst paragraph of
Article 1(2)istosetaside such limits where damage inrespect of
personal injuries does notequal thedifference between theamount
available foralldamage toproperty andpersonal injuries /andthe .
limit fixed fordamage toproperty alone ,namely 280000ECU .
Thesecond subparagraph ofArticle 1(2 )hasbeen brought into line with
Council Regulation (EEC)No3180 /78of18December 1978 ^andCouncil Reg­
ulation (EEC/Euratom )No3308 /80of16December 1980^.
2.TheCommission does notconsider itadvisable toallow theMember States ,
asboth Parliament andtheEconomic and Social Committee requested /to
fixanexcess below which theguarantee fund would notpaycompensation
inrespect ofdamage toproperty caused byanuninsured vehicle .
% *
Firstly ,there isarisk that the amount concerned would vary considerably
from oneMember State toanother /andnothing would prevent aState from
laying down such ahigh excess that only exceptional cases would be
V
taken into consideration .
Secondly /andmore importantly /such aprovision would result invictims
inthe same Member State continuing tobetreated differently depending
onwhether thedamage toproperty wascaused byanuninsured vehicle
registered inthat State orbyone registered inanother Member State .
This isbecause inthe latter case /thenational bureau inthecountry
inwhich theaccident occurred /inaccordance with theliability ithas
undertaken and towhich the first indent ofArticle 2(2 )ofthe First
Directive refers /would settle theclaim .asifthevehicle were insured ,
i.e. without deducting anyexcess ..
t
However /theCommission hasamended itsproposal inline with theopinions
expressed byParliament andtheEconomic andSocial Committee byaccepting
that Member States may,ifthey wish /exclude orlimit payment ofcompensation
bytheguarantee fund inrespect ofdamage toproperty caused byanuniden­
tified vehicle .
1.0JL379of30.12.1978 ,p.1 .
2.0JL345of20.12.1980 ,p.1 .

-3-
3.TheCommission hasacceptedtheamendmenttoArticle2proposedby
Parliament .Thenewversionprovidesthatanumberofexceptions may
notberelieduponasagainstthirdparties(unauthorized driving,driving
withoutalicence,non-compliance withthevehiclesafetyrules).In
otherwords,thisprovisionprohibitstheinsurerfromrelyinguponthe
existenceofanexclusionclauserelatingtooneoftheabovementioned
circumstances inordertorefusetopaycompensation tothevictim.The
Commission nevertheless feelsitisessentialtoretaintheprincipleof
treatingascasesofnon-insurance thoseresidualcasesinwhichthe
insurercanavoidpaymentofanycompensation tothevictim(claiminvali­
datedbyfalsedeclaration ofrisk,damagecausedintentionally inFrance):
thishypothesisrelatestoArticle1(3).
4.Indeferencetotheviewsexpressed byParliament andtheEconomicand
SocialCommittee,theCommission hasamendedArticle3toenableMember
Statestocontinuetoexcludemembersofthefamilybutonlyinrespectof
damagetoproperty.
5.TheCommission hasalsoaccededtoParliament'srequestthatlonger
periodsbeallowedunderArticle5forthe.implementation oftheincrease
I
inthecompulsory insurance amountslaiddowninArticle1(2).
TheCommissiondidnot,however,adopttheamendmenttoArticle4proposed
byParliament andtheEconomicandSocialCommittee,whichconsistedof
definingtheterritoryinwhichthevehcileisnormallybasedasthe
territoryoftheStateofwhichthevehiclebearsaproperlyissued
registration plate.TheCommission maintainsthattheregistration plate
istheonlyappropriate criterionforidentifying vehicleswhichmayno
longerbesubjectedtoinsurancechecksinothercountries.
Theaddditionofaqualification suchasthatofwhethertheregistration
platehadbeenproperlyissuedwouldjeopardize alargeproportionofthe
advantages affordedbytheFirstDirective.
Ingeneral,theCommission doesnotfeelthatadefinitionoftheterritory
inwhichthevehicleisnormallybasedisanappropriate meansofdealing
withinproperuseofregistration plates.

-4-
TheCommission alsodidnotadoptethetextofArticle4(a)proposedby
Parliament ,,prohibiting theMemberStateshenceforth fromimposing a
ratingorbonusmalussystem.Thisquestionfallsentirelyoutsidethe
scopeofitsproposal,themainpurposeofwhichistoimprovetheposition
ofvictimsbyaffording themgreaterprotection andprotection whichis
comparable regardlessofthecircumstances oftheaccident.

AnnexI
AmendmentoftheproposalforaSecondCouncilDirectiveontheapproximation
ofthelawsoftheMemberStatesrelatingtoinsuranceagainstcivilliability
inresnectoftheuseofmotorvehicles.
Originalproposal
THECOUNCIL OFTHEEUROPEAN COMM­
UNITIESNewproposal
THECOUNCIL OFTHEEUROPEAN COMM­
UNITIES
Citations unchanged
firstfiverecitalsunchanged
sixthrecital
WHEREASitisnecessarytomake
provisionforabodytobearsecond­
aryliabilityforthepaymentof.
compensation incaseswherethe
vehicleresponsible isunidentified
oruninsured,orwheretheinsurer
isentitledtodisclaimliability;
whereasthislattercasemustbe
treatedinthesamewayasacase
ofnon-insurance ;WHEREASitisnecessarytomake
provisionforabodytobearsecond­
aryliabilityforthepaymentof
compensation incaseswherethe
vehicleResponsible isuninsured
orunidentified ;whereasinthelatter
case*however,itispermissible that
compensation shouldnotbepaidin
respectofdamagetoproperty,or
shouldbepaidonlywithincertain
limits,forexamplebyapplyingan
excess;
newrecital
WHEREASitisintheinterestofvictims
thattheeffectsofexclusion clausesbe
limitedtotherelationship betweenthe
insurerandtheinsuredpersonresponsible
fortheaccident;whereasitisnecessary
toprovidethatallotherinstancesin
whichtheinsurerisentitledtodisclaim
liabilitymustbetreatedasinstances
ofnon-insurance ;

seventh
WHEREASthemembersofthefamilyof
theinsuredperson,driverorperson
liablearedeservingofconsideration
aspotentialinjuredpartiesand
shouldbeaffordedprotection com­
parabletothatofotherthird
parties;
eighthreci
Article 12-
recital
WHEREASthemembersofthefamilyof
thl;insuredperson,driverorperson
liablearedeservingofconsideration
aspotentialinjuredpartiesand
shouldbeaffordedprotection com­
parabletothatofotherthird
parties,inanyeventinrespectof
theirpersonalinjuries;
alunchanged
HASADOPTEDTHISDIRECTIVE :
Article 1
1.Thecontractofinsurance
referredtoinArticle3(1)of
Directive 72/166/EECshallcover
bothdamagetoproperty andperr
sonalinjuries.
2„EachMemberStateshallrequire
anunlimitedguaranteeorshall
specifyamountsuptowhichsuch
insuranceshallbecompulsory .
Thoseamountsshallbenotless
than350000EUApervictimfor
damagetopropertyandpersonal
injuriesor500000EUAforall
damage,including damageto
propertyandpersonalinjuries,
arisingcutofasingleclaim
wherethereismorethanone
victim.1.TheinsurancereferredtoinArticle
3(1)ofDirective 72/166/EECshallcover
bothdamagetopropertyandpersonal
injuries.
2.Withoutprejudicetoanyhigher
guarantees whichMemberStatesmay
requireatthedateofnotification :
ofthisDirective,eachMemberState
shallrequireaguarantee uptowhich
suchinsuranceshallbecompulsory .
Thoseamountsshallbenotlessthan
350000ECUpervictimforalldamage
topropertyandpersonalinjuries,
withalimitof70000ECUfordamage
toproperty,and500000ECUforall
damagetopropertyandpersonalinjuries
arisingoutofasingleclaimwhere
thereismorethanonevictim,with
alimitof100000ECUforalldamage
toproperty.Theabovementionedlimits
inrespectofdamagetopropertyshall
applyonlywheredamageinrespectof
personalinjuriesequalsorexceeds
280000or400000ECUrespectively .

-3-
"UnitofaccountmeanstheEuropean
UnitofAccount (EUA)asdefined
byArticle10oftheFinancial
Regulationof21December1977applicabletothegeneralbudget
oftheEuropeanCommunities ;the
conversion valueinnational
currencytobeadoptedshallas
from31Decemberofeachyear
bethatofthelastdayofthe
preceding monthofOctoberfor
whichtheEUAconversion values
areavailableinalltheCommunity
currencies .ECU"meanstheunitofaccountas
definedbyArticle 1ofCouncil
Regulation (EEC)no3130/78;
theconversion value
innationalcurrencytobeadopted
shallasfrom31Decemberofeachyear
bethatofthelastdayofthepreceding
monthofOctoberforwhichtheECU
conversion valuesareavailablein
alltheCommunitycurrencies.
3.EachMemberStateshallmake 3.Unchanged,
provisionthatcompensation within
thelimitsauthorized byparagraph
2fordamagetopropertyorpersonal
injuriescausedbyanunidentified
vehicleorinrespectofwhichthe
insuranceobligation providedfor
inparagraph 1hasnotbeensatis­
fiedshallbebornebyabodyset
uporauthorized bythatState.
EachMemberStatemaylimitorexclude
thepaymentofcompensation bythat
bodyinrespectofdamagetoproperty
causedbyanunidentified vehicle.
Article2 Article2
EachMemberStateshalltakethe
necessary measurestoensurethat
anycontractual provision contained
inaninsurancepolicyissuedin
accordance withArticle3(1)of
Directive 72/166/EEC,whichexcludes'
frominsurance theuseordrivingof
vehicles by:
-personswhodonothaveexpress .
orimpliedauthorization,or
-personswhodonotholdalicenceper­
mitting .themtodrivethevehicle
concerned ;or
-personswhoareinbreachofthelegal
requirements ofatechnicalnature
concerning thecondition andsafety
ofthevehicleconcerned;
shall,forthepurposesoftheappli­
cationofArticle3(1)ofDirective
72/166/EEC,bedeemedtobevoidin
respectofclaimsbythirdparties.

-4-
ForthepurposesofArticle1C3)
ofthisDirective andArticle3(2)
ofDirective 72/166/EEC,wherean
insurerrefusestomakepaymentby
virtueofthelaworofacontrac­
tualprovisionauthorized bylaw,
thevehicleshallbetreatedas
anuninsured vehicle.Whereaninsurerrefusestomake
paymentbyvirtueofthelaworof
anothercontractual provisionauthor­
izedbylaw,,thevehicleshallbe
treatedasanuninsuredvehicle ,,
Article3 Article3
Themembersofthefamilyofthe
insuredperson,driveroranyother
personwhoisliableundercivil
lawintheeventofanaccident,
andwhoseliabilityiscovered
bycivilliabilitymotorvehicle
insurance,shallnotbeexcluded
fromsuchcoverbyvirtueofthat
relationship .Themembersofthefamilyofthe
insuredperson,driveroranyother
personwhoisliableundercivil
lawintheeventofanaccident,
andwhoseliabilityiscovered
bycivilliabilitymotorvehicle
insurance,shallnotbeexcluded
frominsuranceinrespectoftheirpersonal
injuriesbyvirtueofthatrelation­
ship.
Article4 Article4
ThefirstindentofArticle1(4)of
Directive 72/166/EECisamendedas
follows:
t
-territoryinwhichthevehicle
isnormallybasedmeans:
theterritoryoftheState
ofwhichthevehiclebears
aregistration plate.Unchanged
Article5 Article 5
MemberStatesshallbringintoforce
themeasuresnecessarytocomply
withthisDirective by31December
1982andshallforthwith inform
theCommission thereof.MemberStatesshallbringintoforce
themeasuresnecessarytocomply
withthisDirective by31December
1982.
However,forthepurposesofArticle1(2),.
MemberStatesmaypakepro­
visionforincreasing guarantees tothe
levelsrequiredbytheabovementioned
Articlebyequalannualincreasesuntil
31December1986.Suchincreasesshall
benotlessthanonefifthofthediff­
erencebetweentheguarantees inforce
atthedateofnotification ofthis
Directive andthelevelsrequiredby
thesaidArticle.

Article6
ThisDirectiveisaddressedto
theMemberStates.Theyshallforthwithinformthe
Commissionthereof.
Article6
Unchanged?

AnnexII
DraftLettertotheEuropeanParliament
Sir,
On14October1981,theEuropeanParliamentdeliveredanOpiniononthe
proposalforaSecondCouncilDirectiveonthe^approximation ofthelaws
oftheMemberStatesrelatingtoinsuranceagainstcivilliabilityinrespect
oftheuseofmotorvehicles,submittedtotheCouncilbytheCommission
on7August1980(0JNoC214of21August1980,p.9).
IhavethehonourtoinformyouthattheCommissionhassubmittedtothe
Council,inaccordancewiththesecondparagraphofArticle149ofthe
EECTreaty,theenclosedamendedproposal,whichincorporates anumber
oftheamendmentsproposedbyParliament.
(Complimentary close)