References: Times 06-Mar-2001, Gazette 12-Apr-2001, [2001] UKHL 9, [2001] 2 All ER 43, [2001] 1 WLR 481, [2001] 1 LLR 679, [2001] 1 All ER (Comm) 1105, [2001] PIQR P20, [2001] 2 CMLR 1, [2001] 1 Lloyd’s Rep 679, [2001] RTR 25, [2001] Lloyds Rep IR 493
Links: House of Lords, Bailii
Coram: Lord Nicholls of Birkenhead Lord Mackay of Clashfern Lord Cooke of Thorndon Lord Hope of Craighead Lord Scott of Foscote
Ratio: The requirements as to the extent of knowledge in the mind of a passenger sufficient to defeat a claim against the Motor Insurers Bureau, of the driver’s lack of insurance, was actual knowledge. The rules implemented a European Directive which required knowledge of the absence of insurance, and must be interpreted accordingly so as to restrict an exclusion from claiming to the possession of some information which led to a conclusion that the driver was not insured. Carelessness, or negligence as to whether the driver was insured was not knowledge, despite the wording of the English rules.
HL Lord Nicholls said: ‘The Court of Justice has stressed repeatedly that exceptions are to be construed strictly. Here, a strict and narrow interpretation of what constitutes knowledge for the purpose of article 1 is reinforced by the subject matter. The subject matter is compensation for damage to property or personal injury caused by vehicles. The general rule is that victims of accidents should have the benefit of protection up to specified minimum amounts, whether or not the vehicle which caused the damage was insured. The exception, therefore, permits a member state, contrary to the general rule, to make no provision for compensation for a person who has suffered personal injury or damage to property. Proportionality requires that a high degree of personal fault must exist before it would be right for an injured passenger to be deprived of compensation. A narrow approach is further supported by the other prescribed limitation on the permissible ambit of any exclusion: the person claiming compensation must have entered the vehicle voluntarily. The need for the passenger to have entered the vehicle voluntarily serves to confirm that the exception is aimed at persons who were consciously colluding in the use of an uninsured vehicle. And it can be noted that the Directive emphasises the exceptional nature of the exclusion of compensation by placing the burden of proving knowledge on the party who seeks to invoke the exception, namely, the institution responsible for paying compensation.’
Statutes: Motor Insurers Bureau (Compensation of Victims of Uninsured Drivers) Agreement 1988, Second EEC Motor Insurance Directive 84/5/EEC
Jurisdiction: England and Wales
This case cites:
- Appeal from – Evans v Secretary of State for Environment, Transport and Regions Motor Insurers’ Bureau CA (Bailii, Bailii, [2001] EWCA Civ 32, [2001] EWCA Civ 1211)
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This case is cited by:
- Cited – McMminn v McMinn and Another QBD (Bailii, [2006] EWHC 827 (QB), Times 02-May-06)
The claimant had been severely injured in a car crash when his younger brother was driving. The driver did not have the owner’s permission to drive, and the insurer sought to avoid laibility.
Held: ‘insurers do not have to prove that the . . - Cited – Phillips v Rafiq and Motor Insurers Bureau (MIB) CA (Bailii, [2007] EWCA Civ 74, Times 21-Feb-07)
The MIB appealed a judgment making it liable for an award of damages to the estate of the deceased who had been a passenger in a vehicle which he knew to be being driven without insurance. The estate had not sued the MIB directly, but first obtained . .
(This list may be incomplete)
Leading Case
Last Update: 28 March 2017
Ref: 90472
The post White v White and The Motor Insurers Bureau: HL 1 Mar 2001 appeared first on swarb.co.uk.