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DDifficulty 3/5

A company provides school or minor-passenger transport covered by Royal Decree 443/2001. In addition to complying with compulsory insurance legislation, what civil-liability coverage must it have?

Correct answer

Unlimited civil-liability coverage for damage to occupants.

Its civil liability for damage that occupants may suffer during that transport must be covered without limit. This coverage is required in addition to compliance with compulsory insurance legislation; the vehicle’s compulsory liability insurance alone is insufficient. The question concerns transport covered by Royal Decree 443/2001, rather than any bus journey carrying a minor.

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  • Only the vehicle’s compulsory liability insurance.

  • Unlimited civil-liability coverage for damage to occupants.

  • No additional coverage, because the passengers are minors.

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