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Insurance and the Law of Obligations$
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Rob Merkin and Jenny Steele

Print publication date: 2013

Print ISBN-13: 9780199645749

Published to Oxford Scholarship Online: September 2013

DOI: 10.1093/acprof:oso/9780199645749.001.0001

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Compulsory Liability Insurance

Compulsory Liability Insurance

(p.251) 9 Compulsory Liability Insurance
Insurance and the Law of Obligations

Rob Merkin

Jenny Steele

Oxford University Press

Explores the phenomenon of compulsory liability insurance in general, and specifically the nature of compulsory insurance in relation to road traffic liabilities, and employers’ liability to employees. Explains that much of tort law operates on the basis that insurance is in place, whether required or simply widespread. Charts the forms of compulsory insurance in operation and explains the variables which affect their significance. Explores the operation of compulsory motor insurance, and identifies the influence of European law. Discusses the way in which responsibility has been transformed, and potential impacts on legal principle. Explores the history and nature of employers’ liability insurance, pointing out the long-standing legislative interest in securing liabilities through insurance, and the influence of employers’ liability on the early development of liability insurance business. Identifies the relatively weak protection offered by employers’ liability legislation, but sets this in the context of many years of legislative activity.

Keywords:   Legislation, Public interest, Compulsory insurance, Policy terms, Road Traffic, MIB, Employers’ Liability, Workmen’s Compensation, Industrial Injury, Beveridge Report, Social Insurance

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