Compulsory Liability Insurance from an European Perspective

A Fenyves/C Kissling/S Perner/D Rubin (eds.)

Compulsory Liability Insurance from a European Perspective

Tort and Insurance Law, vol. 35

Berlin/Boston: De Gruyter 2016
XIII, 564 p. ISBN: 978-3-11-048469-4

Language: English

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Statutory obligations to take out liability insurance are, in practice, the most important means to ensure compensability of damage arising from dangerous activities. However, in contrast to the significant practical impact, academic research on the topic has not been extensive so far. This study, therefore, undertakes a comprehensive survey of compulsory liability insurance from nine national perspectives (Austria, Belgium, the Czech Republic, Finland, Germany, Hungary, Italy, Switzerland, and the United Kingdom) and takes constitutional and European law (four freedoms, European Convention on Human Rights) as well as the Principles of European Insurance Contract Law (PEICL) into account. It also contains an extensive economic analysis of compulsory liability insurance and discusses aspects of insurability. A Comparative Report, Conclusions and an Annex containing a compilation of rules on compulsory liability insurance in the nine national legal systems complete the study.

It considers in particular:

  • the aims of provisions stating an obligation to take out liability insurance
  • the mandatory content of insurance cover
  • the protection mechanisms linked to compulsory liability insurance
  • the control mechanisms and the sanctions imposed
  • structural deficiencies of existing compulsory liability insurance systems


Introduction and Questionnaire

Daniel Rubin: Introduction


Country Reports

Daniel Rubin: Compulsory Liability Insurance in Austria

Herman Cousy/Caroline Van Schoubroeck: Compulsory Liability Insurance in Belgium

Petr Dobiáš: Compulsory Liability Insurance in the Czech Republic

Jaana Norio-Timonen: Compulsory Liability Insurance in Finland

Robert Koch: Compulsory Liability Insurance in Germany

Péter Takáts: Compulsory Liability Insurance in Hungary

Diana Cerini: Compulsory Liability Insurance in Italy

Andrea Stäubli: Compulsory Liability Insurance in Switzerland

Özlem Gürses: Compulsory Liability Insurance in the United Kingdom

Special Reports

Stefan Perner: Compulsory Liability Insurance and European Union Law

Franz Merli: Compulsory Liability Insurance and Constitutional Law

Helmut Heiss: Compulsory Liability Insurance in the Principles of European Tort Law (PEICL)

Michael Faure: Compulsory Liability Insurance: Economic Perspectives

Bernard Tettamanti/Hubert Bär/Jean-Claude Werz: Compulsory Liability Insurance in a Changing Legal Environment – An Insurance and Reinsurance Perspective

Comparative Report and Conclusions

Daniel Rubin: Comparative Report

Daniel Rubin: Conclusions

Annex: Rules on Compulsory Liability Insurance

Daniel Rubin: Austria

Herman Cousy/Caroline Van Schoubroeck: Belgium

Petr Dobiáš: Czech Republic

Jaana Norio-Timonen: Finland

Robert Koch: Germany

Péter Takáts: Hungary

Diana Cerini/Anna Teresa Memola: Italy

Andrea Stäubli: Switzerland

Özlem Gürses: United Kingdom