Page 90 - CFPA-SCR-Award in General Insurance W01_2018-19_Neat

5/12 W01/March 2018 Award in General Insurance

Example 5.8
The proposer insured a seven-seater vehicle but took twelve friends to a concert in it. An accident occurred as a
result of the driver’s negligence and the overloading of the vehicle. Regardless of the amount of the passenger injury
claims, the insurer is not allowed to set the claim aside. It is unlikely that the driver will be able to afford to pay such
a claim personally, although the insurer will certainly try to recover its outlay from the driver.

Question 5.4
Assume the driver in this example was badly injured as well. Do you think they could claim against the policy for
their own injuries?

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