Vietnam: Insurance enterprises will not pay for damage caused by operators who have alcohol in breath or blood

Nguyen Trinh

09:40, 19/01/2021

Recently, the Government of Vietnam has issued the Decree No. 03/2021/NĐ-CP on compulsory civil liability insurance of motor vehicles users.

The Decree No. 03/2021/NĐ-CP of the Government of Vietnam supplements case that insurance enterprises shall not compensate from March 01, 2021, which is: Damage to assets caused by operators who have alcohol in breath or blood, or use narcotics or other prohibited stimulants as per the law.

Besides, Decree No. 03/2021/NĐ-CP still maintains 07 cases that insurance enterprises shall not compensate according to Decree No. 103/2008/NĐ-CP, including:

- Damage done intentionally by motor vehicle users, motor vehicle operators or victims of the accidents;

- Vehicle operators intentionally fleeing the scene after committing accidents without exercising civil responsibilities of motor vehicle users. Vehicle operators intentionally fleeing the scene after committing accidents and exercising civil responsibilities of motor vehicle users shall not be included under insurance exclusion;

- Damage that causes indirect consequences including: reduced commercial value, damage related to use and utilization of damaged assets;

- Damage to assets caused by operators who have alcohol in breath or blood, or use narcotics or other prohibited stimulants as per the law;

- Damage to assets which are lost or stolen as a result of the accidents;

- …

The Decree No. 03/2021/NĐ-CP of the Government of Vietnam takes effect from March 01, 2021.

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