28 tal-1986

L. N. 28 of 1986

INSURANC E BUS INESS ACT. 1981

(ACT NO. XVII 010" 1981)

Insurance Business Security . 'und Rq ulalions. 1986

IN c;I(crcise of the powers conferred by section 25 of the Insurance

Business Act. 1981. the Deputy Prime Ministe r and Min ister of Finance

and Cus loms has made the following regulations

PRE LIMIN ARY

I . These regula tions may be ciled as the Insurance Business

Security Pund Regulations, 1986, and shall come into force 0 11 Isl Ju ly.

1986.

In these regulations. unless the con lc,,1 o therwise req ui res -

"the Act"' means the Insurance Business Act, 1981 ;

"the Commiltcc" means the Security Fu nd Committee

established under regulation 6 of these regula tions;

" the Fund" means the Secu rit y Fu nd es tab lished unde r section

26of theAe1;

"insurer concerned" has the mean ing assigned 10 it by regul-

at ion 190fthese rcg ulations;

" Minister" means the Minister responsible for finance .

PART I

The Security Fund

The purposes of the Security Fund shall be -

(a) to make payments in respect of claims against an

insurance company licensed locarry on the busi ness of insurance in

Malta remaining unpa id by reason of the insolvency of such

company;

(b) to compcnS<lte victims of road traffic accidenUi in

specified circumstances.

( I) " be Fund shall be a body corporate having a distinct legal

personality ami shall be capable, subjc<:t to the provisions of the Act and

of these regulations, of enteri ng in to cont racts. of acquiring. hokling and

disposing of any kind of properry for the puJ"lXlSts of iUi functions, of

suing or being sued . and of doing all such things and en tering into all

sm,:h transacliol15 as are incidental or conducive to the exercise or

pe rformance of its functiol15.

(2 ) The legal represe ntation of the Fund shall vesl in the

Chairman

Provided that the Committee may appoim anyone or more of

its members or of the ofrlCers or St; ..... ants of the Fund to appear in the

name and on behalf of the Fund in any judicial proceedings and in any

act , contract, instrument or other document whatsoever; IInd ,",'he re

Parr 11 o r Pa rt I11 of these regulat ions is in operation. in rcspcc1 of any

powers and duties of the Fund e)(ercisable by any body or person as

provided in paragraph (2) of regulatioo 5 of these regulations. the legal

repreSCnlation of the Fund shall also vest in such bodyorperson orin the

legal representative thereof.

S. ( I) The fund shall be adm inis tered by and be under the

ge neral co ntrol of thc Committee.

(2) Subject as aforesaid. the Comm itt ee shall have power to

appoint officers and servants of the Fund and to gram them such powers

or aut hority as it may deem appropriate ; and the Commillce may also.

for th e beller fu lfilment of its pUl"JXISCs. cause any pan of its business to

be conducted o n its behalf by such body or pe r~>n and under such

arrangements o r agreements as it may deem appropria te.

(3) The Committee shall not enter in to an agreement or

arrangement as is envisaged in the immediately preceding paragraph in

respect of the purpose se t ou t in paragraph (b) of regulation 3 of these

regulat io ns, unless there is in force and in a manner satisfactory to the

Committee, an agreeme nt among insurers ca rrying on the business of

motor insurance binding on all panics thereto and requiring them to act

as insurers concerned ; and where any such agreement be tween insurers

ceases to be o~ ra tive or to be satisfactory to the Commi nce any

agreemen t or arrangement en tered into by the Commillee under this

regu lat ion shall cease to have effect upon notice in writ ing by the

Commillee to such person as may lawfully receive nOliccs on behalf of

the body with which the arrangemen t or agreeme nt was made.

(4) Where an arrangement or agreement as is envisaged in

paragraph (2) of this regulalion has been entered inlo by the

Committee, and for so long lI5 such arrangeme nt or agreement is in

ope ration. Pan U of these regulations shall have effect if the

arrangement or agreement relatcs to the purpose SC t ou t in paragraph

(a) of regulation 3 of these regulations and Pa n I11 of Ihese regulations

shall have effect if the arra ngement or agreement relates to the purpose

se t OUt in paragraph (b) of the said regulation.

(I ) There shall be a Commillee to be known as the Security Sc<:uri.y Fund

Fund Committee, which sha ll consist of live members appointed by the Committee .

Ministe r and Which shall include among its members -

(a) a public office r performing duties in the ministry respon-

sible for finance;

(b) a person chosen from IImong the directors or officials of

local insurers;

(c) a person chosen from among the directors or officials of

forcign insurers or of their agents.

(2) The Minister shall also appoint the chairman and YMx-

chairman of the Committee.

(3) Every member of the Committee shall hold office.

including the office of chairman and vice-<:hairman. for such time as may

for the lime being be dctenni ncd by the Mi ni sEcTor as may be indicated

in Ihe le tte r appointing him.

(4) The Commillcc may act nOlw ilhSlanding any vacancy

among its members but shaH conduct business only if al least th ree

members are present.

(S) l be Chairman shall have an o riginal vote and. in Ihe

eve nt of an eq uality of vOles. a second Ofca!>l ing vote.

(6) Subject 10 the provisions of the Act and o f these regul-

at ions, the Commillce shall have powe r 10 regulate its own proceedings

and may also establish such procedures or make such ru les as it may

dee m appropriate fo r the OC Uer fulfilmen t of ils purposes.

(I) The con tributions 10 I he Fund 10 be made by insurers in

accordance with subseC1 io n (3) of sect io n 26 of the Act shall be those

p rescribed by this regula tion.

(2 ) Every licensed insurer shaJl pa y an annual contrib ution o f

Lm 100 and such a>ntribUlion shall be payable on the fiftc:t:nth day of

January o f e ach year, pro vided tha l in respect of lhe year 1986, payment

s hall be made nOI lale r th3n fifteen da~ from Ihe coming inlo force of

these regu lations.

(3) Every licensed insure r shall , in addition , pay to the fund

s uch a mount and a t such time o r times, as in the opinion of the

Committee may be req uired in anyone or more specific cases for the

purposes o f the Fund under paragraph (a) of regulation 3 o f these

re gulations

Provided tha t this paragraph sha ll nOt apply 10 a licensed

insurer who is an association of ind ividual unde rwrite r.; and has give n an

unde rtak ing acceptabl e to the Min iste r to meel all claims in the event of

an insolvency of a me mber unde rwrite r.

(4 ) Every licensed company carrying on the busi ocss of

motor insurance shall , fUTlhermore, contribute 10 the Fund such

amounts. and al s uch time or times, as the Commiltee may dete rm ine

la king into account the sums requi red o r expected 10 be required for the

purposes o f th e Fund under paragmph (b ) o f regulat io n 3 o f lhese

regulations,

(S) Any diffe rences in th e contribution between classes o f

insu ra nce busi ness or of inS lI mn ee com pa ni eS, o r in vie w of o ther

ci rcumsla nccs, shall be as determined by the Committee; but Ihe

p roportio ns in which con tributions are to be made as between inslIrer.; in

the samec1ass or in Ihe same circumstances sha ll. as far as practicable. be

es tablished in relation to the premia ne t o f compulsory cess ion under the

Act rece ived during such period or periods as the Comm il!ee m3Y deem

a ppropri il tcly relcvant for th e purpose.

8 , ( I) The Co mmillee shall each )'car , and not later than three

months aft e r the end of its 'inancial year , SlIbm it to the Min istcr a reporl

on the acti vities of the Fund during such yea r,

(2) A copy o f the a ud ited ba la nce sheet and p rofit and loss

aOCUU" t fo r the said yea r, as well as a copy o f the audi tor's report, shall

be allachcd to the report of the Comm ittee,

(3) A copy of the report of the Committee together with all

documents attached to it shall be laid by the Minister on the Table of the

House.

The financia l year of the Fund shall end on the 31st December F''''''''';U yu,

of each calendar year.

of ,i'M: und.

(I ) The Commiuce shall cause proper books of account to ~"'r'...:'"

be kept with respect to -

(a) all su ms of money received and expended by the Fund

and the matters in respect of which the receipt and cllpenditure

lakes place;

(b) the asse ts and liabilities of the Fund.

(2) Subject to the provisions of section 26 of the Act and

wi thout prejudice to any separate treatment to be given under those

provisions. se paratc accounts shall also be kept in respect of each

se parate purpose of the Fund; and all income derived in rcspectofan yof

such purposes shall be ulili1.cd exclusively for disbursements relating 10

such purpose

Provided that nothing in this paragraph shall prevent the

payment of sums belongi ng to the Fund to meet administrative. legal or

o lher costs common to two or more purposes. subject to sueh COStS being

properly apportioned between such purposes.

(3) The books of acount shall be kcpt at the offices of the

Fund or al such othe r place or places as the Commiltee thinks fit.

The provisions of section 134 of the Commercial

(4)

Partnerships Ordinance. 1962. shall. in so far as they are not

incompatible. apply to the balance sheet and profit and loss ofthc Fund

by th e substitution for references to "company"' and "directors" in those

provisions of references to "'the Fu nd"' and "'members of the

Committee " respectively.

I I . (1) Once at least in every financial year the accounts of the E .. min.,ion of

Fund shall be examined and the coTTectness of eve ry balance sheet and ,"""""n".

profit and loss shall be certified by a person appro\'ed by the Minister.

The profit and loss account shall be annexed to the

(2)

balance shee t , and the auditors' report sball be altached thereto.

(3) A copy of every balance sheet and profil and iossacroun t,

together wi th a copy of the audi tors report shall be published in two

local newspapers, one in tbe Maltese and another in the English

language, and shall be available for inspection by the public at the offices

of the Fund.

PART 11

Paymt nt of Claims In tbe E) "tnl or InsohtllC)'

(1) Mill -inq;ls d3rba null se na fi na nzjarja l-kont ij icl la l-

Fond gh:md ho m jigu da mi na li II l-ko rrc lt c1.1.a HI ' kull ka rla tal·hila nc u

la' q licgh u Iclf ghandha Iku n ~-e rl i fikata minn pcrsun a approvaTa mill -

Mi ni slru .

(2) [1-1:0 111 la' qlicgh u tel f ghaoou jl;un me hmui mal-kana

tal -bilanc. u r-rapporT I ~ " I-udilur ghand u jt un mc hmui. maghhom.

(3) Kopja la ' kull ka na la' bila nt u ko nl la' q liegh u tclf.

nim kicn ma' kopja lar-mpporl ta' I-udi lur ghandhom jigu pu bblibti

f zcwg gancu. Iok ati, w3M a bil-Ma hi u l-ohra bl -In glii. u jkunu jistghu

j igu spcnjonm i mitl ' pubblik u fl -ufficcju tal-Fond .

TAOS IMA 11

HIllS la' Tal bitl r Kaila' Insoh"ibbillill

12, (1) MCla kumpannija Ii Ikun li~nzja l a bic.t tmc~i I-imprita Talboc:. n ... ,a·

ta' assiguraujoni fMalla bhala printipal ma tkuruc lisla' tissodisfa 1- 1 _ _ 1t1,

obbJigaZljonij iel IUghha, (aklllr 'il quddiem imscjj ha I-" kumpannija

nsolvibbli"), il-Kumital jiSla', ghar-rig .... ard la' da,,'k mill-obbligaa;oni-

jiel imscmmija I; johorgu minn pob.a tD' I,assigural.:t:joni mahruga

f Malta, jaghmcl hla!;ijiet mill-Fond, lahl u skond id-dispotiu.joni jict la '

din il-Taqsima la' dawn ir-rcgolamcnti, lill,pc rsuna jcw pcrsuni assigu-

mti b'dik il -polza,

(2) Ebda hlas ma ghandu jsi r mi ll-Fond tahl din it-Taqsima

sakemm il-Kumi tal ma jkun.t sodisfan li I-kumpannija hija fil-fau fi stat

la ' insolvibbilla,

r~ kat la ' kuntratti ta' assiguraujoni fuq il-haiia, il -hl asijict

M<laporit'hI .. ,

13,

isiru lil kull assigura l; m-kat la' kuntrlm i la' lISSigura7.zjoni I-()hra kollh~

I-hlasijiel ghaodhom isi ru li l kull assigural li hu individ .... u u lil kull korp

mhux maghqud jcw associanjoni la ' persuni jdk dawn il-persuni

kollha huma iodividwi

lida ma ghandu ;sir ebda hlas mill-Fond ghar-rigward tal-

klassijicl la' assigurnujoni li gejjin,li huma -

(a) maritlima, la ' avjanjoni jcw Irasporl; jew

(b) assigura?.zjoni la' gmup {N'I"SDI1ul uccidem: jew

(~) rijassigllrazzjoni.

14, Ghar-rigward la' obbligazzjoni li Ichlieg li Ilwn kopcrta minn QU<m'"'"

legislazzjoni la ' assiguranjoni obbligato rja , kif imfissra fit-Taqsima II1 la' ht •• ,

ta' dawn ir-regolame nli, il-hlasijiet li jsiru lah l din il-Taqsima ghar-

rigward la'l-obbligazzjonijict fuq imscmmijin inkorsi mill-assigural 10'

assiguralur insolvibbli ghand hom ikopru dawn l-obbligal.zjonijiet

kollba; gI'Iar-rigward ta- l-obbligazzjonijiet l-.ohra kollha , il-hl as li jsir

tahl din it -T aqsima gI'Iandu ik Ull limitat ghal hamsa u scbghin fil·mi ja ta'

l-obbligazzjonijicl inkorsi f.ti kat wiehed jcw ghat ghaxart clef lira

Maltija. skond liema h u I-inqas ammont.

(I) Whenever a company lice nsed 10 carry on in Malta the a. .... "' .. , ....

business of insurance as principal is unable to meel its obligations, (such

company being hereafter referred to as the "insolvent co mpany"'). the

Comm ittee may. in respect of such o rlhc said obligations as arise from a

policy of insurance issued in Malta. make paymenlS OUI of the Fund .

under and in accordance with tile provisions of this Pa ri of these

regulations. to the pc~n or persons insured thereunder.

(2) No paymen t shaH be made out orthe Fund under this Part

unless the Committee is satisfied that the company is in facl in a State of

insolvency.

In the case of contracts of life insurance payment shall be

made 10 eve ry insu red; in the case of all othe r contracts of insurance

payme nts shall be made to every ins ured who is an individual and 10

every non-oorpora lc body or a5S0Ciation Of pcrsorul ifall o f such persons

are individuals

Provided that no payment shall be made out of the Fund in

respt!Cl of the following classes of insurance , that is 10 say -

(a)

marine. aviation or tl"llosport; or

(b)

group personal accident insurance: or

(c)

re-Insul"llnce.

In respect of a liability which is requi red to be covered by

compulsory insul"llnce legislation, as defined in Pan III of these

regulatio ns, payme nts unde r thi s Part in respect of liabilities aforesaid

incurred by the insured of an insoh'ent insurer shall cover the whole of

such liabilities; in respect of all other liabilities. payment under this Pan

shall be lim ited 10 seven ty-five po: r centum of the liabilities incurred in

anyone case or ten thousand Maltese 1iri whid\C\'c r is lhe less.

In no case shall any payment be made under th is Part

(a)

where the claim is in respect of unearned premiums

(b) where the claim is by or in respect of a person who owns

or controls twen ty-five pe r centum or more of the vot ing shares or

rights of the insolvent insurer.

16.With out prejudice [0 [he requirements of section 26 of the

Act, where a company carries on the business of both life and non-life

insurance, separate treatment shall also be gi\'en to payments made inlO

the Fund in respect of life insu rance, which shall be ut ilised exclusively

for disbursements in respect of life policies, and non-life iosul"llTJCC

which shall be utilized exclusive ly for disbursements in respcct of non-

life policies.

Bla hsara ghall-hligijict ta'l·artikolu 26 ta'I-AII, mCla kum· I'oloz~,t.h all"

pa nn ija tmcxxi I-impriia la' assigurazzjoni kemm fuq il-hajja kif ukoll ~ ~~' f"'l

mhllx fu,! il-ha jja, ghandu jinghata wkoll tran amc nl separal lill-hlasijicl ,. )Ja.

li piTU fil -Fond gha r-rigw<lrd la' assigu razzion; fuq il-ha jja. I; ghandhom

jigu 1I1iliumi csklussivament ghall-hTllg la' hlasijicl dwar 1'0101. la' assi-

guraujoni fuq il-hajia, u ghar-rigward la' assigurazzjoni mhllx fllq

il-hajja, li ghandhom jigll ulilizzali csklussivamenl ghall-h rug la' hlasi-

jicI dwa r 1'010:,( la' assiguraajoni mhux fuq il-hajja.

No payme nt shalJ be made under this I'art unless and un til the

applicant for payment has assigned to the Fund any right to any paymen t

to which he may be enti tled in respect of the same liabilit y; and where

such liability is covered by reinsurance the Fund shall. in addit io n, be

enti tled to pur-me any reinS ll~ recoveries as if it "'ere the insurer.

PART III

Cumpensatlun tu Victims uf Trllffic Accidents

18, (I) In this Pan of these regu lations, unless the context tnl<rpr<1ation.

otherwise requi res -

" the Bureau" means the association or other body established

by motor insurers wi th which the Commi!lee has made arra ngemen tSOr

an agreement as provided in paragraph (2) of regulati OIl 5 of these

regu]atiolls;

"bodily injury liability" means any liability arising ou t of the

death of or bodily injury to any th ird pany which is required to be

covcred by a policy of insurance under compulsory insurance

legislation;

"company" has the same meaning as is assigned to it by this

Act , but does not include an association of indi\'idua l unden\'fiters;

"compu lsory insurance legisla tio n" means the Motor Vehicle

Insurance (Third Party Risks) Ordinance, or any law replacing it as in

force from time to time. and any regula tio ns mad e unde r the said

O rdinance or any law replacing it;

" insurance" means insuranc::e against bodily injury liabil ity

effected by or under a policyofinsuranl:e, a cowr note, correspondence

or any ot he r means, whe the ror not a ce rt ificate of insurance as required

by compulsory insurance legislation has been issued or del ivered;

"insurer" means any compallY or OIher body or association

carrying o n the business of insurance;

"judgment"· means a judgment of a competent coun in Malta

whi ch has become 'res judicata', but does nOl include a judgment

o rde ring thc enforccment in Malta of a foreign judgment;

"judgment debtor" means a person against whom a judgment

has been obtained in respect of a bodily injury liabilit y;

" motor insurer" means any insurer aut horised to transact

motor ins urance in Malta

"original judgment creditor" means the person or pe rsons in

whose favour a judgment has been obl1lined in respect of a bodily injury

liabili ty and who is o r are entitled to enforce it.

(2) To the exten t of any powers and duties arisi ng from any

arrange ments o r agreement entered into by the Commillce and the

Burea u under regulation 5 of these regu lations, the expression "the

Fund" in this Part sha ll include the Bureau.

Ill, ( I) Subject and without prejudice to the other provisions of In,,,,u

this regulation, " insurer concerned" means the insu rer who at the time ...,....,,>04.

of th e accident which gave rise to a bodily injury liability was PTQ\'iding

ins urance against sueh liability in respect of the vehicle arising out of the

use of which the liability of the judgnlen t dcb tor was incurrcd.

(2)

An insure r is the insure r conce rned notwithstanding

that -

(a) the insurance was arranged after the accident giving rise

to a bodily injury liabil ity but purported 10 be effective at the lime

o f such accident ; or

(b) the insurance was obtained by fraud. misrepresentation.

non-disclosure of mate rial facts o r mistake: or

(c)

some

ICon . description,

limitation, exception or

conditio n (whether express or implied) of the insurance or of the

proposal ro nn o n which il is based expressly or by implication

excludes the insu rer's liability wht: thcr gc ncralJyor in th e particular

circumstances wh ich gave rise to the liability of the judgment

debtor ; o r

(d) the judgme nt debtor was in unauthorised possession of

the vehicle arisi ng out of the use of wh ich the liability of the

judgment debtor was incurred; or

(e) the "ehicle OU I of the use of which the liability of the

judgm ent deb tor was incurred was, at the time when the bodily

injury liability was incurrcd -

(i) bei ng used for a purpose not au thorised by the

InSUrance, or

(ii) being used by a person not authorised to dri ve the

vehi cle under the terms of the insurance; or

(t) the drive r of the vehicle out of th e use of wh ich the

liability of the judgment debtor was incurred was. at the time when

the bodily injury liability was incu rred , disqual ified from holding or

o btaining a licence to drive the vehicle or had his licence suspended

or had never validly he ld such licence.

(3 )

An insurer is not the insurer concerned -

(a) when the insurance was cancelled before the da te on

which the bodily injury li abilitywas incu rred by agreement between

the parties to the insurance and with the prior written permission of

the Commissioner of Police; or

(b ) when the bodily inj ury liability was incurred afte r lhe

cancellation of the insurance unde r a power of cancellation

con tained in such insurance and afte r notice of such cancellation

was givcn to the Commissioner of Police in accordance with

compulsory insurance legislation; or

(c) when the insu ranoc has ceased to be operative before the

date on wh ich the bodily injury liability was incurred by rea son of a

transfer of interest in the vehicle which the insurance purports 10

cover; or

(d ) whe n the bodily inj ury li ability was incurred after a

decision of a Court o f compe tent jurisdiction wh ich has become 'res

judicata' has declared the insurance void or unforceable; or

(e) when the bodily injury liability was incurred after the

dat e on whi ch the insurance has, by its term. lapsed.

(4) For the purposes of these regulations. an insurer of a

mOlor trade road risk insu rance coveri ng un specified vehicles shaH, in

respect of such "chiclcs and ilTcspec1ivc orthe bil$is of tne insurance. be

the insure r concerned -

(a) in respect of ve hicles not the property o f the insured if,

and only if, Ihe vc hicle in respect of which the cla im arises was in the

cuslody or control of the insured or was only re mo~ed from such

custody or control without the authority of the insured: ~nd

(b) in respect of ~ehiclcs which arc the property of the

insured . at all times, except that such insurer shall 1'101 be the insurer

concerned in respect of any "ehide specifically exduded (rom the

cover of the insurance by refe rence to its registration mark and

number. or specifically insu red in the name of the motortraderwith

another insurer: and

where an insu rer concerned unde r a motor trade risk insurance as

aforesa id and an insure r concerned under a speCified vehide illsurallce

are both tn~ol"ed in cireumstallces in which neither insurance is liable

under its insurance. each of them shall, this notwithstanding. be liable

jointly and se"erall y for any amount due by way of damages and COSIS in

res pect of any bodily injury liability. such amount being due in the

internal relations between such insurers as to o nc half each.

(5) Where a person en tering Mal ta is insured . o r holds a

policy purporting to provide insurance. against bodily injury liability

and such insurance \\" 15 issued outside Malta by an insure r. m a su b-

sidiary or associated company of an ins ure r, the company issuing the

insurance shall be the insu rer concerned in the even t of the person

insured becoming a judgment debtor.

(6) For the purposes of this regulation a "motor trade road

risk insurance" means a policy of insur~nce provided to a person

engaged in the purchase. sale. repai r. upkeep. servicing or maintenance

o f motor '~ehicles which indemnifies him in respect of li abilit ies 10 thi rd

parties arising out of the uS(: of vehicles owned by him or in his custody

or control wh ilst being used on the road.

tal-k ricm ma tel'llicgx ~OTfohnl -

"assiguratur" lfisscr kull kumpannija jcw korp ichor jew

3ssOCjazzjoni li jmexxu I-im prii.a ta 'l-assiguTa7.zjoni;

"assiguralur tal-karolZi" tfisl;cr tull assiguralur I; hu aWloriz-

zatli jrnexxi lIssigurazzjoni tal-velluri bil-mul ur r Mu llu;

"ussigura1.zjoni" tlisser ussigu rau.joni kom fa l-obbligazzjon i li

lohrog mill -feri ment tal -pcrsuna li Ikun sarel pennezz la' Jew latn

pol:u la' assigurazzjoni. CO ,'"r "OIt, korrispo1l<lcnu jew kull men

ic hor, mink cjja ;ekk ikunx haregjew Ale mogtlli;ew le een ifika t Ut'

assigurazzjQni kif mch tieg mil -Iegislazzjo ni ta' assigur31.Zjoni obbli·

gatorja ;

"il·Bureau" tlisser I-as.socjazzjoni je .... korp iehor imwaqqaf

minn assigurD turi tal·velluri bil-mutur li mieghu, il- Kumitat ikun

gha mcl arrangament i Jew (tchim kif prowdut fil-paragrafu (2) tar-

regolament S ta' da .... n ir-regoJamen ti;

"debi tu( kif gudi kat" tfisser pcrsuna Ii kontriha jkun hemm

gudika t ghar·rigwa rd ta' obb~gazzjoni d .... ar ferimen l taJ -pcrsuna ;

"gudik ~ t " tfisse r dccitjoni ta' qorti knmpctcnti r Malta li saret

res judicata, iMa ma tinkludix de~tjonj li tordno l·dcku1.7.joni

rMal1a la ' detiijoni barranija;

" b editur original; kif Audika!" tfiSlier dik il-persuna Jew da .... k

il-pe rsuni li favur taghha Jew laghoom ikun hemm gudikat ghaT-

rigwanlla ' obbligazzjoni dwar fcrimenl la l-pcrsuna u li gIIandha

Je .... gha ndhom id-drill li jghaddu gIIall-elckUZ1;jon i laghha

" kumpannija " ghandha l-islcss lif$ir kif mogtlli lilha bl-AII.

itda ma tinkludix assocjaajoni la' rmduwril<'r$ indivldwali

"legisla1.zjoni ta' assigurazz}oni obbligatOTja" tfisso::r I·Ordi-

nanza dwar l' Assigurazzjoni la' Ve lluri lal-M utu r GhaT-R iskji ta'

Tcni Persuni. jew kull ligi li lidhol fiS-!;Chh minllok ha minn :tmien

shal iroien. u kuH regolam cnt li ;sir skond dik I.()rdi na nza jew xi

ligi li tidhol minflokha

"obbligazzjolli dwar rcriment tal·pcrsull a" tfis.o;er kuH obb li-

gazzjolli li loorog mill-mewl jew mill -fe rimcn t lal-persuna ta' xi

terz:l pcrsuna 1i hija mehl iega li Ikun kopcr1a minn polu ta' assi-

gura1.zjoni Iahl 1egislau.joni la' a55iguro1.zjoni obbligatorja.

(2) Sa fejn jinllaqtu xi polcri u dmirijict li johorgu minn xi

arrangamenli jew ftchim li jsiru bejll il-Ku mi lal u I- Bureau taht iT-

regolament 5 ta' dawn ir- rcgolamen li. l-e:sprC$$joni "il· Fond·' rdin it·

Taqsim~ ghandha tinkludi I-Bureau.

(I) Bla hsal1il u mingha jr progudi7.zj u ghad-d ispoti:o.jonijict

I·ohra la' dan ir· rl'go la~nl, "I-assiguralur korK!.:rnat" Hisser da k ).

3ssiguratur li kitn lij;·;tmien la' I·intide nl li kkawZa obbligazz}oni dwar

fcri menl lal·pe rsuna. qieghcd jaghli assiguranjoni ko nlra obbliga>:-

zjoni bhal din ghur·rigward tal·vellllra li b' kawia la' I-u,tu laghha ~icl

inkorsa l-obbliga7..ljoni lad-debilUr kif gudikal,

(2)

Assigul1illur huwa I'assigumlur kOflf!ernat minkcjja illi-

(a) J·assigura:o.jooi kienel in hargcl wara l·inCident Ji kkawta

l-obbligazzjoni dwar fcrimenl tal·pcrsuna iMa li kiencl inlit.a li

Ikun erfc lT iva fil ·hin ta' dak I ·in~idenl; jcw

(b) I·assigura:r.:t.joni kicncl i nki sbcl bi frodi, bl·gI'Ioli la' infor·

ma:r.zjon i hatina. bil·habi la' falli malerjali, jcw bi tball : jcw

(c) xi Icnnin u. dcskrizzjooi, lim ilazzjoni , ctOeujoni jc ....

kundinjoni (kcmm jekk e5pressa jew impl itila) la' I·assigurazzjoni

jcw Ial·profK)$U/ form li fuqha hija bbatala espressa~ nt jcw impli·

Ci lament jcsklooi l-obbliga:o.joni la ' !·assiguratur kemm jdk

b'mod ge neri ku j-cw tic-C:irkostanzi pan ikolari li kk agun aw l-obbli·

gazzjoni lad-dcbilur kif gudikal: jcw

(d ) id·debilur kif gud ikal rna ki cnx 3wlorizzat Ii jku n fil·

pusscss lal,vCllura 'i b'kawta ta' l· ufu laghha giC! ink~ l-obbli·

gazzjoni tad-debilur kif gudikat ; jcw

(c) il·vellum li b'kawta ta' l·uZu !agh ha giC! in k o~ l-obbli·

gazzjoni tad-debi lur kif gudikal kie nel, fit·tInien li tict inkorsa

l-obbligazzjoni dwar fcrimcnltal·pe rsu na-

<i) q ieghda lintuZa ghal xi gha n mhux awtorizzal mi ll·

assigurazzjon i, jcw

(ii) qieghda lintuZa minn persuna mhux 3wloriu.ala li

ss uq iJ·vellura skond il·palli jicl la' I·assigurazzjoni ; jcw

(f) i5~wwicq IaI·vCllura li b'ka"7.a. la' l-uZU laghha gicl

in korsa l-obbligazzjoni tad-debitur kif gud ikat kie n, fil ·hin Ii giet

inko rsa l-obbliganjoni dwar fcrimcnllal-persu na. skwalifi kal milli

'Zomm jew jikscb lii:cnza las-scwqan tal-vcllum jcw kenu

l

-lii:cn7.a lieghu sospiZa jew qalt ma kellu val ida ment dik il-liCenza,

(3)

Assiguralur mhuwi.:x I-assig uralur koni:crnal -

(a ) mCla I-assigurazzjoni kiencl Ihassrc! qabcl jl·jum li lih

gict inkol'$3 l-obilligazzjoni dwar fcrimenl tal-persuna, bi ftehim

be jn it-parli jiel r d in [·assigura:o.joni u bil-permcss miklub u mogllti

bit-quddic m lal-Kununissarju lal-Puli7Jja; je ....

(b) mel3 l-obbligazzjoni dwar fe rimcnt tal·persuna Iku n gra l

wara li Ikun thaSST'(':1 I·assigurazzjoni lahl !oelgha ta' Ih 3ssir li Ikun

fl-isless assigum:o.joni u wara li jk un inghala avvit la' dan il -Ihas.~ir

lin- KummiSS3rju lal-Pulizija skond il-Icgislazzjoni IB' a..~ iguraz­

zjo ni obbligatorja; jcw

(c) mela I-assigurazzjoni tkun .... aqf.:1 milli libqa' fi$-schh

qabcl id-data me ta !kun gic! inkol'$3l-obbligazzjoni d .... ar fcrimenl

tal-persuna minhabba I-Irasferimcnl la' interess fi[-\'ellUra li '-assi-

gurazzjoni Iku n inlita li qed !kopri; jew

(d) 111Cl11 l.obbliga~7.;Oni dwar fcrimenl \aJ-persuna Ikun tiCI

inkorsa wara dcCitjoni tal-Qorti ta' gurisdiv:joni kompelcn l; I; (ku n

sare l res i'ldiC/l/(l tkun iddik jaral 1-assigurazzjoni bla effcu u li ma

tislax tigi czcgwita ; jcw

(e) mCla l-obbligaajoni dwar fcrimen! tal-persuna tkun ~iel

inkorsa wara Hum illi ]-assigurazzjoni t kun skadic\ bill; jkun ghad-

da t-tmicn 1; ghalih Itun saret.

(4) Gha ll-finij ie l 13' dawn ir-regolamc nli assigurol\u r ta' assi-

gurazzjOfl i la ' riskji laHriq la' kummcrtjanti la' vcUuri li jkun qed

ikopri VC !\ll ri mhuJ( spe:tifikati ghandu. ghar-rigward la" dawk il-vclluri

u minkejja x'jisl1l' jkun il-gI'Ian ta' I-assiguruzjoni , ikun I-assigurnlur

koneerna t -

(a) ghar-rigward la ' VC Ullri li mhumicx proprjelA ta' I-assi-

gural jc k k . u biss jekk. il-vCl lura li kawia lagl'lha ,"iT il-lalba kic:nc:1

lil -kuSlod ja jcw kontroll ta' 1-3$Sigural Jew jek k tkun tnc:bbicl minn

di n il -ku slOOja Jew ko ntroll mingbajr I-awloril.:li la' I-assigural ; u

(b) gbar-rigward ta' vetturi li huma prop.-jcllI ta'I-3$Sigliral,

rkull t micn, blicf ghall-fan li dan I-assiguratur ma jkulUl J,assigu-

rat ur kontemal ghar·rigward la' xi vettura li Ikun spetifi kalamenl

eskJuza milli tkun kopena bl-assigurazzjoni b'riferenl.a ghall·

marka la' registmujoni u nllmfU la8hha , jcw li Ikun spetifikala-

menl assigurata risem il·kummcrejaJll ta1·vctturi ma ' assiguraz·

zjoni ohm; u

mela 3$Sigurat ur kOnCcmal lahl ass igurazzjoni ta' riskji la'

kummerejanli la' vcnuri kif fuq imscmmi u ass iguralu r ko ntcrnm

tahl 3$Siguranjoni ta' vcllu13 spetifi kata jkunu H ncjn imdah hl in

r t irkoslanli li fihom cbda lIS5igurazzjoni ma Ikun marbllla lahl

I-assigurazzjoni tagbha, kull wahda minllhorn gb andha . mi nkejja

dO ll . Ikun obbligala ;1/ solidum gl'tal kull ammon l 00vu1 gl'taJ dalln; u

spejjct ghar-rigward la' kull obbligazzjoni dwat (eriment lal -

persllna . 1I dall I·ammoll\ ikun dovut fi r-re Jazzjonijic t la' dawn

J·assigura t uri bejnithom kwantu ghal nofli kull wiched ,

(5) Mela persuna Jj tidhol Malla Ikun assigurall, jcw ikollha

polza Ii I-ghan laghh a jkun li lipprovdi assigurazzjoni, kOfltra obblig:u-

zjon i dwar feriment tal-pe rsuna u din I-assigurazzjoni Ikun inharge l

minn barra minn Malta m in n assigu ral llT, Jew minn kumpannija sussid-

jarja jcw assotjata ma' assigu ratur , il-kumpanni ja li Ikun hurgcl l·assi·

gUrllZljoni Ikun I-assigutalu r kontem at fiJ-kat li I·persuna assigunlla ssir

debi lllr kif judik at,

(6) GhaJl-finijic:1 la' dan ir-rcgolamenl "'assiguraujolli ta'

ris k ji lal-lriq ta' kummcrejanli la' velluri"' lfisser pol1.;I. la' assigurazzjoni

mahruga lil pcrsuna li Ikun lahdcm m-xiri. bcjgb. tiswij a , kundi:ajonar

tajJi:b . sen'iu jcw manutcnzjoni la' vClluri bil -m ulur li Ikun tinden-

nizzah ghar-rigward ta ' obbJigazzjonijie \ Jcj n te rn persuni li johorgu

mill-utu ta' \'c nuri propTjelll licgbu Jew I; ;kunu fiJ·kuslodja u I-konlroll

tieghu waqt li jkunu qed jigo wt.ali fil'lriq,

20, (I) Me ta gudikal ghar-rigward la' xi obbligazzjoni li lohrog

mill-mewl Jew miU-fc rime nlla' xi Icna persuna li Ikun mehliega. li Ikun

ko pert:. minI! poll:! tu' assiguraujoni taht legi§lazzjoni la' assiguraz-

ljoni obbli g31Orja jkun inkiscb kontru xi persuna le'" persuni u. kcmm

jekk fit-t mieR w' I-intidenl li jikk awta din l-obbJiga7zjoni ma jkunx

lIemm fis-sellll polza ta ' assigurnajoni kif m<:hlicg mill-lcgislaajoni

msemmija, jew jekk din il-poIza ma jkollhicx seMI gI'Ial xi I1lpni li ma

Ikunx dik li I-assiguralur ma jkulU jiSla' jhallas, udin l-obbl igaujoni ma

Ikunx Ihallsct kollha kc:mm hi Ii tInien lmic:nja u gI'Iooxrin jum mill-

gumala li fiha I-persuna jew persuni li fa~ ur taghhom ikun ingl'lala dak

il-gudikal kellhom id-drill li jesegwuh, rdan ,I-kat, jekk ma jkulU

lIemm assiguralur kontcrnol u jekk ikun hc:mm xi mewl jew fcrimerl\

lal-po!r.mna gravi u permant: nti, il-Fond jisla', lid-diskrezzjoni aS$Oluta

I'cghu 'Ma bla hsar<l gllad-disJXl:r.i:ajonijie\ la' daw n ir- regolamcnti,

jagllme l hlasijiel ex grllliulill-pc rsu na jew persuni Li favur tagllhom itun

ingl'lata dak iL-gudikal, mill-fondi I; jkunu mwarrbin bie~ jintutaw g.I'Ial

hlas 10' k umpens lil villmi ta' intidenli lal-traffiku

lma elxla hlasijicl ma jislgl'lu jsiru lahl dan ir-regolamcnl mela

I-gud ikal ikun gI'Iar-rigward la' vell ura I, I-utu taghha jltun koper! minn

sigurtA (jew fin-nuqqas la' dik is-5igurt<\ minn deJXltilU ) skond il-legis-

lal2joni la' assigul"llUjoni obbligatorja sakemm ma jkunx hemm ukoll

fis-schh , ghar-rigward la' din il-ve n ura, polUlla' assiguraujoni inlita

biex tkopri dak l-utu lal -vcllura,

(2) Ma ghandu jsir ebda hlas taht dan ir-regolamenl sakemm

ma jsehhux dawn il-kundizzjonijiel

(a) li ma jkunx ingllala ayvit bil-miklub pcrmen ta' illra

re gislrata jew illra uffii:jali , taJ -proCedi mcnti li jwasslu ghall-gudil:al

Ii imicn sebat ij iem warn li jinbdew dawn il-proXed;mcnli mill-a uur

rdawn il-proo.Xdime nt i

(i) lilJ ,assigul1llur, null kat fe jn Iticn hemm fis-sehh

fiZ-imien la ' I-i ntidenl polza la' assigul"llUjoni inlita biex

Ikopri I- utu lal·vcttu ra , u dan il-fau kicn magllruf IiIl-islCSS

atlur: jew

(ii) lill·Bureau rkulll:ai. ichor;

(b) jekk ikun hckk mChtieg mill-Fond I-auur ikun ha I-passi

kollha ragonevoli biex j ikscb gudikat kontra kull pcrsuna li komri-

ha huwa j kun jisla' jiehu rimcdju gIIar-rigward u k:igun lal·ferimem

jew mewlli taw bidu ghaJl-prOCcdimenli msemm iji n ;

(t) I-attur ihn wettaq il-hligijiel kollha tal-Fond gI'Iar-

rigward la' kuJl ha&3 li lista ' IOIq01 il-hlM la' kumpens mill-Fond

laht dawn ir·rcgolamcn li;

(d) il-gudikat jew gudikati (inkluti dawk il-gudi kHt i li jislgI'Iu

jinkisbu latH il -paragrafu (t) la' dan ir-rcgolamenl) u d-drittijiet

kollha li johorgu minnhom ikunu mghoddija IiIl·Fond ;

(e) I-a nu r rkull wichcd mill -protedime nli mscmmijin aklar

'il fuq ikun akkredi la liII·Fond b' kull ammonllilu mhallas minn jcw

risem il -konvcnul rdawn il-protedimenli ghar·rigward ta' kull

obbligazzjoni dwar ferimenl jew dwar mewl ta' ~i persuna li 10000 rog

mill-grajja 1i g/'Iar-rigward tagllha jkun jisla' jilhallas kumpens mill-

Fond .

(I ) If a judgment in respect of any liabili!y arising O1.lt of the I'l>)'I'IIt'" 01 clainto

death of or lxxIily injury to any third party which is required to be o,"o"hrFund.

CO"ered by a policy o f insurance under compulsory insurance legislation

is obtai ned against any persOn or pe r$()r'Is and ei the r at the time of !he

acciden t giving rise to sueh liability there is not in force a policy of

insura nce as required by the said legisla tion or sueh policy is ineffective

for any reason other than the inabili ty of the insure r to make paymen t,

and any such liability is not sati sfied in ful! within twenty-eight days from

the d2te upon which the person or persons in whose favour such

judgment was given became entitled to enforce it. then. if there is no

insurer concerned and if there is delt th or serious and permanen t bodily

injury. the Fund may. in its absolute discretion but subject to the

provisions of these regulatiOns. make ex-gratia payments to the person

or persons in whose favour such judgment was gi~en , out of its fundssc!

aside for utilization for the payme m of compensation to vict ims of traffic

acciden ts

Provided that no payments shall be made under th is regulation

where the judgmem rela tes to a vehicte the use of which is covered by a

sec urity (or in lieu of such security by a deposit) in accordance with

compulsory insurance legislation un less there is also in force, in respecl

of such vehicle. a policy of insurance purporting 10 cover such use of the

,·ehide.

(2) No payment shall be made under this regulation un las

the following conditions concu r:-

(a) notice of the proceedings in which the judgment is given

has bee n given in writing by registered post or by a judicial letter,

within seven days after the commencement of such

proceedings by the plaintiff in such proceedings

(i) to the insurer. in any case in which the re was in force

al the time of the aceident a policy of insurance purporting to

cover the use of the vehicle. and such fact was known to Ihe

said plaintiff; or

(H) to the Bureau in any o ther case;

(b) if so requi red by the Fund the plaintiff has tak en all

reasonable steps to obtain judgment against any person against

whom he may have a remedy ill respect of and arising out of the

injury or death givillg rise to the said proceedings;

(c) the plaintiff has complied with 311 the requirements of the

Fund in relat ion to any matter which could affect th e payment of

compensation by the Fund under these regulations;

(d ) the judgment or judgments (including such judgments as

may be obtained under paragraph (c) of th is regulation) and all

rights the reunder ha"e bee n ceded 10 the Fund;

(e) the plaintiff in any of the aforesaid proceedings had

given credit to the Fund for any alllOl.int paid to him by oron behalf

of the defendant in such proceedings in respect of any liability for

injury to or death of any person arising out oftne event ill respect of

which compensation may be payable by the Fund.

(I) Paymen t of ex-gratia compensation in respect of Ihe

dea th or bodily injury to any person caused by or arising outofthe uscor

a motor vehicle on a road in Malta may be made out offunds set aside by

the Fund for the payment of compensation to victims of traffic accidents,

if the following conditions concur:-

(a) the applicam for paymenc is unable to trace any pcrson

responsible for che dcach or injury;

(b) the application is in respect of a pcrson who has sustained

death or se rio us and pennanent injury;

(c) the dcath or injury was caused in such circumstances that

on the balance of probabilities the untraced person would be liable to

pay damagcs to the applicant in respect of the death or injury;

(d) che liability of the untraced person to pay damages to the

ap plicant is onc which is required 10 be covered by insurance or

security under compulsory insurance legislation, it being assumed

for this purpose, in the absence of evidence 10 the contrary, that the

vehicle was being used in circumslances in which th e user was

required by the said legislation to be insured or secured against

third pany risks;

(e) the dea th or injury was not caused by the use of the

vehicle by the untraced person as a weapon. that is to say in a

deliberate attempt to run down the deceased o r injured person;

(f) the applica tion for compensation is made in writ ing within

o nc year from the date of the eve nt giving rise to the death o r injury.

(2) Where an application fo r compensa tion is made under

th is regu lat io n. the e x-gra tia payment that may be made by the FLl nd as

aforesaid sha ll oot exceed eighty pe r cen t of the amou nt which a CO Llrt in

Malta applying Mal tese law woLlld assess as damages which theapplica nt

would have bee n e ntitled 10 recover from the untraced perso n in respect

o f that death o r injury if proceedings to enforce a claim for damages in

respect the reof had been successfully brought by the app licant agai nst

the un tmccd person. The amount so payable s hall be assessed by and at

the absolute discretion of the Fund.

No payme nt under this regulation shall be made unless-

(3)

(a) the app liCllnt has given all such assistance as may

reasonably be requ ired by or o n be ha lf of the Fund to enable a ny

investigation 10 be carricd out;

(b) the appliCllnt has take n all such steps. including legal

proceedings, as hc may have been req uired to take by o r on behalf

of the Fund for the pUTJXISC of ascertaining the liability of any

person o r pe r~ms in respect of the death o r injury as having caused

or cont ributed there to or as being the maste r o r principal of any

such person o r persons

(c) the applicant has assigned to the Fund any right to any

payment in respect of the death or injury to which his application

relin es.

c-. .. tw ..

No payme nt may be made under these regulatioR'l where -

...."""""' ....

(a) the death or bodily injury was caused by o r arose: o ut of .... ybe po.".

the use of a motor ve hicle which at the time of the event giving rise

to the deat h or bodil y injury was owned by or in the possession of

the Governmen t. unl ess there was in force in respect of such vehicle

a policy of insurance purporting 10 cover such use of the vehicle;

and fo r the pUTJXISCs of this paragraph, a vehicle which has been

unlawfu lly re moved from the possession of the person for the time

being legall y e ntitled to possession shall be deemed to have

re ma ined in the possession of such person while it is so removed;or

(b) at the time of the accident the person suffering dea th or

bodily injury -

(i) being the owne r of or be ing a person using th.,

vehicle, was using, or ca using or penn itting the vehicle 10 be

used , withou t there being in fo rce in relation to such use a

policy of insura nce or such securily as would comply with the

compulsory insurance legisla tion . knowing or having reason to

believe Ihal no sueh policy or security was in force

(i i) was allowing himself to be carried in a vehicle

knowin g o r having re ason to believe that the "ehic1e had

been taken without the consent of the o wner or Olher lawfu l

au tho rity, unless he believed o r had reason to believe Ihat he

had lawfu l authority to be ca rri ed or would have had the

owner's conse nt if the ow ner had known of the fact and the

circumstances of his carriage . or unless he had learned of the

drcumstances o f the ta king or lhc ve hicle after the journey had

commenced and he could IIot reasonab ly be expected to alight

(rom the ve hicle; o r

(c) the death or injury in respec! of wh ich compens.1tion

wo uld otherwise be payable occurred before the 1st July 1986.

Ippubblibt 011'_ T'q''''''' ta,_T.y,rif K2s1ilJ o PlJb/is~ed I>}' Ih<lnjo,,"a"-on om,;.,"

~!itOOgh fi-hWl¥riJl ,ai_&.= - Pmrtod at tJoo ~t Pri"""K Pnss