The validity of insurance clauses in case of failure to supervise the truck during transportation

In a judgment (number 590/2017) dated 7th November 2017, the Spanish Supreme Court has had the opportunity to clarify conflicting case law from different Courts of Appeals regarding the requirements for the validity of insurance clauses that exclude coverage in cargo theft matters when there has been a failure to keep a proper supervision of the truck or container during transportation.
In May 2014, the Directive 2014/47/EU of the European Parliament and the Council, of April 3rd 2014, on the technical roadside inspection of the roadworthiness of commercial vehicles circulating in the EU came into force. This Directive updates the regulation of the technical roadside inspections by establishing the minimal requirements for all Member States, in order to improve road safety conditions. The contents of the aforementioned Directive have been incorporated into the Spanish legislation the recently enacted by
Article 1911 of the Spanish Civil Code establishes the general principle that debtors will be held accountable for their liabilities with all their present and future assets. Limitation of liability is an exceptional figure under Spanish law. For this reason, Spanish Courts are always reluctant to accept the limitation of liability principles established in international conventions in matters of transport and seek a way to avoid such limitation of liability.
On June 2, 2016, the