Mandatory civil liability insurance is the cover to which drivers are bound by law when taking out insurance for a motor vehicle registered in the DVLC. In the event of an accident, it guarantees compensation for bodily injury and material damages caused to third parties. Injury to the driver of the vehicle causing the accident is excluded. Nor are you covered if you are driving a stolen vehicle, are under the influence of alcohol or if you don't have a driving licence. Failing to take out this car insurance entails fines of up to 3,000 euros, in addition to the expenses deriving from the accident.