Areas of Law / Insurance law

I recently bought a car which is wide enough to fit three people in the back comfortably, but the car is only fitted with two rear seat belts. Would a third person in the back be covered by insurance in the event of an accident?

Although it would probably be a good idea to have a lap belt fitted for the central passenger in the back it’s not illegal not to have one if the manufacturer didn’t supply one. Unless your insurance policy tells you differently your insurance cover shouldn’t be affected. However failure to wear a seat belt could amount to contributory negligence in the event of an accident, and any compensation payable may be reduced accordingly.

Area of law: Insurance law

More Questions About Insurance law

My wife and I were involved in a road accident while holidaying in Italy last year. We have a form from the Italian police saying the other driver was at fault and we have the driver’s full details. However his insurers are being difficult by not answering emails or ‘phone calls. How can we make any progress in the circumstances?

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A postman allegedly had an accident on my property nearly two years ago. He says he tripped on the flagstones which form a small step up from my neighbour’s property. My 18-month-old child doesn’t find this a problem, but they say it isn’t “reasonably” safe. What is reasonable or unreasonable? I am not insured.

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