CII Certificate in Insurance - Insurance Claims Handling Process (IF4) Practice Test 2025: Your Comprehensive All-in-One Guide to Exam Success!

The correct answer is that EU law stipulates that a comprehensive motor policy must provide the minimum cover requirements of the UK or France, whichever is greater. This alignment with EU regulations is crucial for drivers traveling within member states, ensuring that they have adequate insurance protection while abroad.

In practice, this means that a comprehensive motor policy must meet at least the minimum insurance standards set forth by the country where the vehicle is being driven (in this case, France) or the standards from the driver's home country (the UK), depending on which is more extensive. This requirement aims to ensure that vehicle owners are sufficiently covered for liabilities, including damage to third parties and bodily injury, while they are in another EU country, thereby enhancing road safety and legal consistency across borders.

This requirement is important because it helps prevent scenarios where a motorist might unintentionally be underinsured while operating their vehicle in a different legal jurisdiction. It ensures that no matter where a driver is traveling in the EU, they will meet the local laws regarding vehicle insurance, which protects both the driver and the public.