I am trying to find out if the owner of a vehicle does not only have the obligation but also the right to vehicle insurance and if such a right is implied or guaranteed by EU directives.
(3) Each Member State must take all appropriate measures to ensure that civil liability in respect of the use of vehicles normally based in its territory is covered by insurance. The extent of the liability covered and the terms and conditions of the insurance cover are to be determined on the basis of those measures.
Should the phrase "all appropriate measures" in this section be interpreted as an obligation for member states to ensure that citizens have access to vehicle insurance?
The summary of the directive further states:
[The Directive] requires all motor vehicles in the EU to be covered by compulsory third-party liability insurance
I did not look into legislation of other member states but in the case of Malta, I wasn't able to find anything that suggests such a right.