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Directive 2009/103/EC - Motor Insurance Directive (codified version)RecitalsChapter 1 General provisions (arts. 1-6)Article 1 DefinitionsArticle 2 ScopeArticle 3 Compulsory insurance of vehiclesArticle 4 Checks on insuranceArticle 5 Derogation from the obligation in respect of compulsory insurance of vehiclesArticle 6 National insurers' bureauxChapter 2 Provisions concerning vehicles normally based in the territory of third countries (arts. 7-8)Article 7 National measures concerning vehicles normally based on the territory of third countriesArticle 8 Documentation concerning vehicles normally based in the territory of third countriesChapter 3 Minimum amounts covered by compulsory insurance (art. 9)Article 9 Minimum amountsChapter 4 Compensation for damage caused by an unidentifies vehicle or a vehicle in respect of which the inserance obligation provided for in article 3 has not been satisfied and compensation in case of insolvency (arts. 10-11)Article 10 Body responsible for compensationArticle 10a Protection of injured parties in respect of damage resulting from accidents occurring in their Member State of residence in the case of the insolvency of an insurance undertakingArticle 11 DisputesChapter 5 Special categories of injured party, exclusion clauses, single premium, vehicles dispatched from one member state to another (arts. 12-15)Article 12 Special categories of injured partyArticle 13 Exclusion clausesArticle 14 Single premiumArticle 15 Vehicles dispatched from one Member State to anotherArticle 15a Protection of injured parties in accidents involving a trailer towed by a vehicleChapter 6 Statement, excess, direct action (arts. 16-18)Article 16 Statement relating to the third party liability claimsArticle 16a Motor insurance price comparison toolsArticle 17 ExcessArticle 18 Direct right of actionChapter 7 settlement of claims arising from any accident caused by a vehicle covered by insurance as referred to in Article 3 (arts. 19-27)Article 19 Procedure for the settlement of claimsArticle 20 Special provisions concerning compensation for injured parties following an accident in a Member State other than that of their residenceArticle 21 Claims representativesArticle 22 Compensation procedureArticle 23 Information centresArticle 24 Compensation bodiesArticle 25 CompensationArticle 25a Protection of injured parties in respect of damage resulting from accidents occurring in a Member State other than their Member State of residence in the case of the insolvency of an insurance undertakingArticle 26 Central bodyArticle 26a Information to injured partiesArticle 27 PenaltiesChapter 8 Final Provisions (arts. 28-31)Article 28 National provisionsArticle 28a Committee procedureArticle 28b Exercise of delegated powersArticle 28c Evaluation and reviewArticle 29 RepealArticle 30 Entry into forceArticle 31 AddresseesAnnex IAnnex I, Part A Repealed Directive with list of its successive amendmentsAnnex I, Part B List of time limits for transposition into national law and applicationAnnex II Correlation tableDone at
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Version status: Entered into force | Document consolidation status: Updated to reflect all known changes
Version date: 27 October 2009 - onwards
Version 2 of 2

Article 17 Excess

Insurance undertakings shall not require any party injured as a result of an accident to bear any excess as far as the insurance referred to in Article 3 is concerned.

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