Lack of Insurance – Claimant Knowledge
This session will focus on the provisions of the new Motor Insurance Bureau (MIB) Uninsured Drivers' Agreement 2015 (UDA 2015), with specific reference to Clause 8, namely:
Furtherance of a Crime Exclusion: The removal of the exclusion denying compensation to a claimant where he is knowingly carried in a vehicle in furtherance of a crime, or to avoid lawful apprehension
Passenger Knowledge Exclusion: Whilst the MIB (or Article 75 Insurer) may be able to avoid liability where a claimant was allowing himself to be carried in a vehicle where it had been stolen or unlawfully taken, or was being used without insurance, the requirement is now that the claimant "knew or had reason to believe" that the vehicle was stolen or unlawfully taken / used without insurance, instead of "ought to have known".
Familiarity with the exclusions in Clause 8 of the UDA 2015 is essential if viewers are to successfully deal with the MIB.
Delivered by expert lecturer Nicky Carter, this session will ensure that viewers are up to date with the latest issues, arguments and case law in respect of UDA 2015. Consideration will also be given to the issues posed by lack of insurance, and the introduction of the new knowledge test concerning uninsured drivers, ensuring that viewers are armed with the knowledge and tools required to navigate the MIB labyrinth.
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