The Motor Vehicles (Compulsory Insurance) Regulations 1992
These Regulations implement the Third Council Directive 90/232/EEC of 14th May 1990 on the approximation of the laws of the Member States relating to insurance against civil liability in respect of the use of motor vehicles (OJ No. L12, 19.5.90, p.33) (“the Council Directive”). They amend section 145 (requirements in respect of policies of insurance) of the Road Traffic Act 1988 so that—in accordance with Article 1 of the Council Directive the insurance required covers all persons carried in or upon a vehicle, or entering or getting on to, or alighting from a vehicle except where they are covered by insurance required by the Employers' Liability (Compulsory Insurance) Act 1969 (paragraph (3) of regulation 2); andin accordance with Article 2 of the Council Directive, the insurance required includes the cover required by the law applicable where the vehicle is used or the cover required by the law applicable where the vehicle is normally based (as defined in Article 1(4) of Council Directive 72/1661 EEC of 24th April 1972 (OJ No. L103, 2.5.72, p.1 as amended by Article 4 of Council Directive 84/5/EEC of 30th December 1983 (OJ No. L8, 11.1.84, p.17)) when that cover is higher (paragraphs (1) and (2) of regulation 2).