FEDERAL NEGARIT GAZETTE

OF THE FEDERAL DEMOCRATIC REPUBLIC OF ETHIOPIA

t\~,,(,. "'"~;;: fJI'ID"" cfl",C ~w IIh. ·l·,,· *".t' ~~/r" 'I: .It'l"ht-cLt''1: t.,. 11t\. h 19'h Year No. 53
h-".ll Mil "l?"I\, XX +, !flt(; 'ur" f 1'-"'1'"1 ·'·O,I,,,.:}". rhc O,·l· tIltl<l!~'l' fm'l} ADDIS ABABA 23,J July , 2013

CONTENTS

"''f'~ 4ITC IfD/llt~ ",.. Proclamation No. 799/2013

fT1ihCI]~ h1..;J fV'IlTIi' m." 001:1 h'PJ!- Vehicle Insurance Against Third Party Risks
.........•....•........•......................... 1X" l7fjif~1 Proclamation ............................... Page 6942
1l."J!: ofrIJ'C IfD/lit~ PROCLAMATION No. 799/2013
OOtllbC"& h&2 rr'Ot'i' (Ill1 out"l A PROCLAMA nON TO PROVIDE FOR VEHICLE
r(lll!) b."g INSlJRANCE AGAINST THIRD PARTY RISKS

9u tl1f* hr~l{\ f"ro'

or7ihCt]t. i'lY.;J WHEREAS, the occurrence of accidents
or'ul.ro· hr(J;).ool 0009u ffJ* t\.e Ooo(r~·; caused by vehicles are escalating from time to
time;
Or 7ihCt]t. i'lY.;J 9 h1 f* rmz.y.c{\ro· r{\{D'
U
WHEREAS, loss of lives, bodily injuries
tf'* -: ri'lt]A '1'~*Cj r1-lll* h. ~/r tryUO/rtf ":f-"IC and damages to properties caused by vehicle
rtPf.f{)h.)~A Ooo(f~. l accidents are creating social problems;
I

rr7ihCt]t. i'lY.;J r1:t{,PJ":f· i'l{)rt.l..e rutl9 UCj WHEREAS, it is necessary to establish a

system for facilitating the provision of emergency
i'l'/A"IIr* rmz.f'f"S·O*' {)Ci}'}' tryoo~r*Cj
medical treatments to victims of vehicle
rr7ihCt]t. ()"'-lllf.":f· rr7ihCt]t. i'lY.;J rY'{)r~ accidents, and to require owners of vehicles to
(1)'11 00Y:1 7i4(.1 h1-'t'i/rrro· tryY:l"l i'l{)~.t\'l.
have third party insurance coverage against third
Ooolf~'l
party risks;
O~()~ f,,. 7ihC l l6 i'lY.;J fY'{)r'.~: OJ1') ooy"') WHEREAS, during the implementation
of the existing proclamation on vehicle insurance
t,tp~· t,.(. 'tar f'''''r. ":f. "Ir: ":f_Cj f A'I·IH-·I: 1·~r-":f·
against third party risks therein identified
O~Cj' ~f(J)o h ~1I.ln h Cj Ibflo":f' ,t f f~f y"') ;J1PJ":f") problems and issues not incorporated, as a result
f l ),,..,. 0"1 t,iM.I\1. lfCj' 00011'1: i it has been found necessary to have a law
adressing these issues and other related issues;
o~ ""r-A'f
~y.t.''''f "tll"tlt.·fLf'f NOW, THEREFORE, in accordance
6Tflt\.h lh1 tTD1UJ~"" n1cf>1\ :i?; (Ii) tTDlPl.:" with Article 55( I) of the Constitution of the
f~h+ftm' ;rm'~A:: Federal Democratic Republic of Ethiopia, it is
hereby proclaimed as follows:

',)-'S- 'I';J
Unit Price 6·80 I ~;Jt* ;Jtl,tTl T,Uf.~. il'itli
Negarit Gazette P.O.box 80,001
 1~ ~i1.m~~;i: &...'l..{'-A ).?/.-}- ;m.tI, cIl'l'C ~U: ,/,yo/\ Hi .,., ili'i.(; 'i.9" Federal Ncgarit Gazette No. 53 23'd July 2013 .. .............. page 6943
b'i'A blt PART ONE
GENERAL
mt""
Ii. li ....C Cc)iI 1. Short Title
,eU hcr1: "r.,. 7ihCt)/. hY..;J rY'iI.,.C;: (I)'1') This Proclamation may be cited as the
OO~'} hcr1: chl}'C %fJi!lft'i.(";" .,.111\<' ttm.,.iI "Vehicle Insurance Against Third Party Risks
,e1-faA:: Proclamation No. 799/2013".

I. tC=2'" 2. Definitions
n!l.u hcr1: (I)·ill}' r :p". h'/fll1 ".fa :"C'I-9 u In this Proclamation unless the context
rOll.Y(\m(l)- IIAlf~ nil.,.."c :- otherwise requires:

M "rOO~'} 9u ilhC (1)1..,.:"" OIl,,:,. r.,.7ihCt)/. II "certificate of insurance" means a

fI",}l1l.:" my.'}" U;J'f? .,Yo:!' y"o·)- ",fa I
document issued to a vehicle owner or
other person having legal obligation
(\(J)- .,. 7i hC t)/.(I)' n Y'ilrC;: (I)'1') fa,e
ascertaining that the said vehicle has an
"tntYy"C(\(I)- hY..;J Ottu hcr1: OOIPI.:" insurance coverage against third party
oo~'} r'/fI":" oolf~''} rtntYI.;J"1}' (\~~ risks in accordance with the provisions
~(I)- i of this Proclamation;
ill "roo~') h-fl,}Y" OIl,,:,. h.,fll1 fI"(I)- ill., 2/ "insurance company" means a company
n"'y"~"'/(I)· OOIPI.:" m-l'fafa roo~'} /P/'. licensed to undertake general insurance
business in accordance with the relevant
"0IIt)"Y: /..~~ r"'(\m(l)' h'fI'}Y ~(I)-!
law;
N "oo~'} OIl,,:,. .,.7ihCt)/. nY'iI.,.C;: (I)'1')
'/{1." 3/ "insured" means any person to whome
fa,e "tntfY..C (\(I)- hY..;J Ottu hcr]!: OOIPI.:" insurance is issued in accordance with
oo~'} rr(\m(l)' 0II'}C;:(I)'9u (\(1). ~(I). i this Proclamation against third party
risks due to vehicle;

w "oo~'} (\6).1>" OIl,,:,. .,.7ihCt)/. nY'iI.,.i1 (I)'/') 4/ "insurer" means an insurance company
ISSUing the appropriate Insurance
fa,e "tntfY..CiI(I)· hY..;J nH.u t,cr"/: 00(\1.')'
coverage In accordance with this
,,..,o,(J)-·} fooY..··} 7i~ .•} r(\m rooY..''} h'W}f
Proclamation against third party risks
~(I)' i due to vehicle;
(;1 ".,. 'fihetlt" '"1" •.,.. h)', tlA ',"P, 'fihetlt .,.:r: ". 51 "vehicle" means any wheeled motor
,Pl..,,,,,h11{}hl\.·"" U{},,..,.C U~RJ'}"!: "y. vehicle, semi trailer or trailer for use on
the road with the exception of wheelchair
n~RJ·HIt.h·c filii,'!.!: '"/'}:r:OJ' YU (},f,~'''''
and bicycle;
fllt\ ",,·,.e ·,.'fihctlt: "/'"1'fi ·,. ... n. m,f.'/"
·'·... n. ~OJ':
1.1 "fI"".,·"C .,.7ihCt)/." OIl,,:,. noot)'l.t)A (I),e9u 6/ "motor vehicle" means a vehicle moving
nh.fl.h:"/.h '),eA nOO,}'1 ~ fa,e on a road by mechanical or electrical
hr.,.'}.,.".,.(\ rtnt"~ .,.7ihCt)/. ~(I). i power;

%1 ""'' {1.''
(I),e9 ".,0II7i
u
"'' 0,''
OIItl:" ,,/,-(\. 71 "trailer" or "semi-trailer" means a vehicle
r.,."r r".,.,.c ,),eA rfl."(1)- "';r l' nlf~ which has not its own motor power and
nfl.fa fI"qn.,.C .,.7ihCt)/. fa,e tt"'mA'i which is capable of being attached and
tt"'r:" rtnt 1-A .,. 7ihCt)/. ~(I).! drawn by a motor vehicle;
,,,. ~1i.nr~'i~~ 4...r.I.·A ):)(..'}. :m,n, <Ir,'C ~i: ,hY"(\' :,:~ .,.., ~l'i.?; ~.9" . Federal Negarit Gazelle No. 53 23'" July 2013 .. . .. ' page 6')·1-1
?;I "foo~1 CPJf1r foo~') '/0.(1)·
TILfl." 8/ "insurance policy" means a contract
.,. 7ihCtu~ OY'{)"'~ (I)'n "K. f1CPJ.f Y, ct. (I). whereby an insurer undertakes to pay
fqn:,~ h~;J: fhI"JA 'I'~:" (l)K.9u f1'nl'''' compensation and cost of emergency
h•.,,/.. I"J." f1ootM.A "he.,' f t,{):ftJ..f, fuh9"'j medical treatment to any third party for
t,'lAc'/f1"'). hft~r) f1oot.09" 00Y,·, t.(J.l.(I)· death, ·bodily injury or damage to
(1)'1'1;' fnt'/llOr t.'1~ '1(1)' i
property caused by the vehicle of an
insured person;
iii "001'/~" CPJf1r CPJe.,·:f(l)·9° h(l)'/" 7~'i:
9/ "road" means any highway, urban or
fh.,.CPJ mK.9u f'lme oo')'/~ :
f.,.7ihCI"J/'P':f· CPJ.f.ntf mK.9u CPJ/'·'I/.,f(i rural street, parking or tenninal. bridge
0065J.c;:: ~A~ K. lDK.9 u .,.'/ihCI"J/. or any other passage used by a vehicle;
fOlf.m"·9 o,'" CPJe.,·:t!(I)·9 " ' "
u u
oo"'''f1t·f
'1m· i
"-1 "Y'{)''';;; m'n" CPJf1r noo~') Tf1.fl.
10/ "third party" means any person other
than the insured person, member of the
oolPlr ;)"/"'1 ..,. f{)h"'f1 f,,·'/ihCtu~ tlY. r ')
insured person's family, the driver or
OY.lt. 1.1L hoo.r:·) 10.m- : hooY,") 'm.m-
employee of the insured person to
o,·,·t.fI: ht,7ihC tltm- CDf.9" hooY,") 10.m- which an insurance policy applies at
''''''''11. t.t..,.~: O{),,..,.C f 00 Y,") 7·/tt..m- the time when vehicle accident
,,·t.'1CPJ. 'I'}' fCPJ.oof1h"·m- CPJ')~:m-9" "''' t.m- occurred giving rise to liabi lity under
'1£D-i such insurance policy;

XM "0.65J. tIC~" CPJf1:"

f.,.7ihCI"J/. h~:J I 1/ "yellow card" means a certificate issued for
fY'{)"'~ (I)'n 00~'}1 Ontoof1hr 09 {)I.·:,o'i
U the payment of compensation as per the
.~O·fl'f h~/.I"J f :J/,. 'lOf htJA tl'IC:f'
protocol signed in relation to vehicle
insurance against third party risks by
n·,.t.loom· TC.y·ItA ooll'l')' f CPJ.t. l' I"J.~
member states of the Common Market for
f1ooht.A fntf{):f'A f9 U {)hC mlcf':" '1m'i Eastern and Southern Africa;
ntl
... _
"atJ .. h.l. ~"
... I." .. r. 12/ "Ministry" means the Mini~try of
'1m· i Transport;

Xl:1 "(l.,,.t.ll" CPJIl:" fooY,'1 '/0.(1)' fr~e :}Y,;;;: 13/ "family" means the spouse, child, father
A'f:: t,Il'}' he.,',}, rof.9" oo,r.:·) 10.m- or mother of the insured person or a
person under the support of the insured
fOlf.f{)"·~Y,·lm- CPJ'g:m-9" t.£D- '1m- i
person;
ny "fhlW) "71\·1' Ooo')'?{)'}' t'CPJ.mt.')'i
"'m,')"
14/ "premium tariff' means payment, the
OH.U tl'P:c': f"·Y.'111m-') t'ooY,") ;I·/tt.. amount of which to be detennined by the
f1oo'?tJ·}, OooY,") 10.m- f1ooY,") t.(J.l.m- government, made by the insured to the
fOlf.t.O?" hft~f '1m- i inSurer to purchase the insurance policy
provided under this Proclamation;
Ui/,'ft:).f: "71\·1' (It",/IJ')nlp''l· •hm) li'
"'Im')"
15/ "fund tariff' means a contribution to the
h''Y.lllII"IlIm· 1',1.(1') ,,·t"RI·) "y.
·h.I","7/,
Il,surance Fund collected by applying
(lmJ'y.~ (JJY.9 (11\." hnl'l-tl (1"7,...,,·1, "ooY,")
U
percentage or any alternative means on
t. ')p,. ·ltl. f''YJr') f1')I"() t"RIIIl') "OJ': top of the premium tariff detennined by
the government;
XV "1",{):,:t\y, fuJl9"r, h',A ..I".. ··,." "'1"'''' 16/ "emergency medical treatment" means a
lI"IJ')1.f: "y. fI~l.(} f·VlihCflt 1",~,') medical service provided to any person
9"),') .f·'" f""I°P, "I"(}'II IIh~:)m· II:J': at~ who have sustained injury as a result of
vehicle accident at the site of the
I'l,h?"r, .,.*9" U"'l;};}1I1H' "r, at c} . " ,
incident,' while on the route to a medical
Ul'l,),?"r, ,,,*(10' .r.··)'l·"~ hl,:A OJ'{)'"
institution and in the emergency ward of
f"1..1"1'" f I'll),?"r, 1",1A ..11\.. ·.,. "01': the medical institution;
 "J, ..
11> :~7i.nr~W'; t..U,·A ~:)/..) • • n, '/!1'C .~t ,hY"t\, .i::~ '''1 iti'i.?; ,ty" h:der:lI Ncg:lrit (luzclle No. 53 2J,d Jul.v 2013 ... ... . ...... pagc 6945

:t41 "1,,,," ",/1\·1· "'},, 1,"IIHI'''': fllm.f... ·} {){,M.m- 17/ "compensation" means the amount of
h·W}.'" (JJ.e.,)" (llb~·}t'I,m- 1\"'-lihc:l,t 1,,,:) money to be paid by an insurance
"'-)j(m' '~""_hLA h,-,:.e ~m': company or by the Agency, as the case
may be. to victim of vehicle accident;
Xt;I"fl,I'A ·1·P.·l·" ",/1\·1· (H"lihc:l,t 1,,,;) 18/ "boJil)' injury" means any bodily injury
f "l.t'If..... "II\{)'II fll,I'I\. (JJY.')" fll,f,l\. or functional disorder on any part of the
",/·g:m·y" t,'-,:A ·,·t.1'~('! "'}:""",<J't'a. ~y. body's natural order sustained by a
f "I.{) .,.p' ..,. t'l,t"} ·1.I1..e(/!: ht.A 1):"'1. victim of vehicle accident and includes
(JJy.')" f"I(,.I\.I):"',. fl,f'A ",p.:"'} ,ef,'l':J'A: temporary, partially permanent or fully
pennanent bodily injury;
XUI "lb~'}t'I," ",/1\:,. W"'. ~,"":'·r.·'·t· Y"hc: fV,.
19/ "Agency" means the Insurance Fund
,,'}'II ftl?I):*lmm· flmJ':'} t. '}.f: 1,""",P'''C:
Administration Agency to be established
'b~'}t'I, ~m': by regulation of the Council of
Ministers;
ril "flC:,f:" ~".}, fl,,~'}{\,(J)· (JC~' 'IW'l 20/ "Board" means Board ofthe Agency;
riM "{\lD'" ~".}, f-t~.'"J'r.' t'lro· m£,?U n,-'h"? 21/ "person" means any natural or juridical
ft'lm' 'I'}' 0011.)' f ,,.t'lmro· nt)t.\ 'I(J)' ~ person;
"fi~1 tI'/'}~m''}'' fI(JJ'H'.: x:J' f,,.1t\?'m· ft'a.:,.·}'}" 22/ any expression in the masculine gender
,ef"", :J'A : : includes the feminine.

e. r.~n"'~.JIJ12OD~11f4._" hn~.11.~T 3. Requirement of Vehicle I nsurance Coverage

1/ No person may drive, use or cause or
iii ""I'}~m-'}" ()m- ""lihcf,tm' IIY''''''''~ (JJ1'}
permit any other person to drive or use a
~y. l\"'I.Y"C{)m· 1,,,:) fOC; flm.f."} 'li4f,,'}
vehicle on a road unless he has a valid
t'ty.t; I.m- ""lihCf,tm"} (l(,Iu·}1.f: ~y.
vehicle insurance coverage against third
Im·}P.·l': Imlll"''}'' aJY,'}" I\,~ {)OJ- ,,'}J;,. ~p.
party risks in relation to such vehicle.
(JJ y. Y" "'} J;,.Ill'" '}"
""I.f.'1. "I (JJ y. ')" 1m I,: ." ,f:
1, y, :1· A '}" : :
2/ Notwithstanding the provision of sub-
~I fll,lI 1,'H'?,' ·}(l·fI I,'}"'?" (ii) .f:'}:)'/, article (I) of this Article, the Ministry
n,t; C'J" 1111. 'l,fI·I:';. flm ,f:'} 'li ~ '} may determine vehicles to be drived or
t'tY,t; ~;'!m' fllm'}".f: ~y, 1\. ~~. aJY,'}" to be used on a road without requiring
1':"'}" ~y. t\.m-". f '''I. 1'''' ,,.'lihcf,l ?' l' '} vehicle insurance coverage against third
t\.(JJfI'} Y,:1'~A z "",..j(p'l' f'''Pa:'' f,'1 party risks; the Ministry shall issue
ftl?..e'r~··I1·""} f I,L '10'}" Imlm/.,e directive implementing compensation to
.e(JJa, A : : victims .
btj:A IHlt PART TWO
INSURANCE POLICY
fOO1;1 71\iL
4, Issuance of Insurance Policy Against
fl. fr'n±r dJl1 tID,("l Till\. QIltIDOcnt Third Party Risks
M f-t7ihCt)t n~;J fr'il-tC;: (D'n 00Y:1 1/ Vehicle insurance policy against third
7t\.t\. ft.t'l"J' f0lf.1·"(D· noo.(·'} h'fl1fP'1' party risks shall be issued by insurance
'IW': : companies.

~I 1111,11 I,'}"'?" '}(l·fI h'}.,,?,· (ii) (,IMP!.,'" 2/ A policy issued pursuant to sub-article
f"'{)IIl fl,,,,,f.·'} ;rt\.t'I, Im.f:·} f'''1f1t\'''' ( I ) of this Article shall cover the
,,,'lihcf,/. t\"" .•e"C{)OJ· f , ~m· qu,.,.: fhf'A compensation payable for death, bodily
,,.Pa·l·C; f'}'fI!.·'" h,t't~ Imh~.A f"?:'flm"} injury, damage to property and the
f,'1C; fl,fI:,!J.\y. fuh'J"C; h1A c·II\.. ·.,. (JJ(;J.):} expenses of emergency medical
f"".7i'-,:·} Imtr·} hl\fI·"': : treatment arising from the insured
vehicle.
 11\" j1l.j!f~~ 1..1.6-A ~.76-l- .7tf.tfJ 4c1't: ~r ,h?"t\. I~ .,., lit?; 'J.9" Federal Negarit Gazette No. 53 23 rd July 20 13 ..... .......... ..page 6946
r/ tn~I\I\ roo.(·'} 7i4f,.'} r"y.{)T r~m.(··} h·W}J' 31 Any insurance company transacting
1111.11 h'l'J: r'~~~11m-'} r,~'lihC'lt h~:) general insurance business shall be
fY'{)'~~ OJ1'} ~m.(·'} Tt\..... f~m{)m'''' obliged to issue the vehicle insurance
policy . against third party risks provided
"ly";J' hl\lI'''': :
under this Proclamation.
fY 1\·~·lihc'lt h~:) rY'{),~~ OJ1'} r~m.('·} 41 The premium tariff applicable to vehicle
Tt\..... r"'l.hLl\oJ· fhl.W} '~OP'} insurance policy against third party risks
1..~'}""OJ· U'''I.J'+ClIo,. Te;·.,. I\Y•• ~~m{)C'" shall be determined by the Council of
Ministers based on the study carried out
fI"'I. 'I.{) •.,.C'1" ~hc: 0,'''' Y-OJ{)e; A: :
and submitted by the Agency.
(;/ 1'11.11 h'}+Y, '}(}-{) h'}+X' un .f,··}:n. 51 Notwithstanding the provision of sub-
It t;c~ .~~:):)III!. f·~·lihc'lt h~:) article (4) of this Article, with regard to
rf"'Y..J' ~c'" ~mY:'} 1U.P)1'··} "he; insured persons and drivers with
h 7ihc'ltPl':f··} 1I.~~ml\h·~ ~mOJ{).(· {)I\I\II'''' repetitive vehicle accidents, the Ministry
shall issue directive as to the applicable
"hC~~ 1..~'}""m- {J'''I.J' ~C1m- Te;·'" I\Y.
measure based on the study carried out
"'~m{)C'" ''Y..'I.{).-I:';, ~m~mtJ' J'OJtIIA: I
by the Agency.
5. Restrictions on the Scooe of Application of
Insurance Policy
nH.u htp;f: ooLPl-r f"t(a'"}' foo,f... ·} r .... hC A certificate of ' insurance issued in
ml"'-r .,.,"},,,,, f.,.00I\h1:-r1 rh1Y-r nD1i.('l"? accordance with this Proclamation may not
'I-~-r I\~l(an-r (am· 00.('1 (a6J.b m- t)~ make restrictions on the obligations of the
h1~,eh~A I\OO'/~-n hY .... "fI\·-r?o:- insurer to pay compensation on grounds of:

6/ "'7ihCt)"m-1 f"tY1"·".-,.(am-1 (am- ().(''"''I, II the age or physical or mental conditions

m,e?O fht)A m,e?O fhh?°C' (J''I.;r i of the person driving the vehicle;

II f.,.7ihCt)"m·1 (J''I.;r -: f Ll.... 'l'An-r -: 21 the conditions, the horsepower, cylinder

ffa.t\. 1~C -:;''''';r m,er tp;J i capacity or value of the vehicle;

rl "'7ihCt)"m- il "t,eHm'1 -nli-r-: (am· 31 the number of persons, the weight or

f"t6lil.~m·1 ():J> ·h-n~-r m,e?O ht)"'f qUI, physical characteristics of the goods or
m,e?O A~ oo~"y i m,e?O the particular apparatus, that the vehiele
carries; or

61 .,.1ihCt)tm- nh'/A"?""-r ",e f"tm-An-r1 41 the time at which or the area within
'Ut. m,er ht)qn.:: which the vehicle is used.

I. fllDtl TIL"- f(J)oA rt\;J:p'f 6. Conditions of Insurance Policy

?il noo.('1 Tt\.fa.m· m· ....'"}':- 1/ Any condition In insurance policy

providing:

U) T t\.fa.m- "'mYcf!~-r1 a) no liability may arise under such

f"tA; m,e?O policy; or

1\) nTt\.fa.m· ooLPl-r I\t)~ h~Y

'"}' Yef: b) any liability so arising shall cease in
oo~i'i f"tlf~m' h .... .,.-r h~l(a n1" the event of some specified thing
f"'m(a~ .('C'l.-r h"'&.Koo m,e?O being done or not to be done after
",e&.Kr h.,.l ;)"'('~1: .,." ,elfCjA the happening of the event giving
f"tA; rise to a claim under the pol icy;
may have no effect.
 Federal Negarit Gazette No. 53 23'-" July 2013 ................. page 6947
~/ fill," l,'}"'X' '}(}-fI l,'}"'X' (fi) f"'~~""O)' 2/ Nothing in sub-article (I) of this Article
fl/mJ':'} Tt\.c\o)· Im,,'l.'''' tRl.r:·} (lb"bOl' shall be deemed to render void any
"y'fI·,·;;: (1)'f) "·}-'tht;:t.\ ftl'l.~l."Ol' '1'1 provision in insurance policy requiring
the person insured to repay to the insurer
Im.f... ·} 'm,(I)' IIlJt.\f' "Im.r:·} (lb"b(JJ'
any sum which the latter may have
,,·}JUIt;:t.\ "D?r.:l."1 fUY.~~"I'I(JJ··} f(JJ·t.\ compensated under the policy and which
11·~:J' ft"l.'IiC: 1tY.(f"}r: : have been applied to the satisfaction of
the claims of third parties.
7. Exclusions From Insurance Policy
Coverage
f.,.7ihCI'J/. ilf.;J f~tI.,.~ (I)'n 00Y:') TILtl. With respect to the following vehicle
fOlf.h",,,·r'} OOlf.oo"h·'" 'h('~Olf. ILU',} insurance policy against third party risks may
ilJ!,1'A9°:- not be applicable:
?iI 000Y:,} (1) J!, 9°
'/0.(1)· n..,.lln· I\J!, 1/ death or bodily injury or damage to
fOlf.f.Cll(1)·') flJDr ilf.;J (l)J!,9° fill'JA 'h~r property of the insured person or
(J}f.l}" f'Hll')' 'I.~.). i member of the insured person's family;

e/ flooY:,} '/0.(1)· ''''''1'C' rllll.llt· ll(J)o OFI,.(I)· 2/ collision or death or bodily injury or
damage to property caused to a person
I\J!, fOlf.f.CtI r'16f!")' ilY.;J (J}f.l}" rlJD')'
hired by the insured person and occurred
t,Y..') (J}f.l}" fill'JA 'I'~r (1)Y.tjD f·}·fll.·'" in the course of such employment;
',. p,:,. i
j;/ 00Y:,) O.,.'/fI,,-l· .,.7ihCI'J/. I\J!, fOlf.f.Cll(1)·'} 3/ damage to the insured vehicle;
'I'~r !

W 00Y:,} 0.,. '/fl "'r

.,.7ihCI'J/. I\J!, Oh.t-J!, 4/ liability in respect of damage to goods
carried on the insured vehicle on the
(l)J!,9° OhfJ;f nOlf.~~1f ,}lllr I\J!, fOlf.f.CtI
basis of rent or payment;
'I'~r fOlf..f'tlhr"(I)·') "1\1u~'''' i

(";/ lIII'g:(J)ol}" noof.·') T ".ll. 7itf.') r'''llm(J)o 5/ liability in respect of damage to the
personal property of insured person
roof.·'} 'In. r'1A ')lll')' (J}f.l}" nCll·
covered by insurance policy or damage
4:1'1'C (J}f.l}" 'II\/.. ~~). OJf.l}" M,Y.t- to property under the control or
rllll.'I~~ '}lll')' I\f. fllll.Y.CtI 'I·~;h responsibility or custody of the insured
person;
~/ htl. ,)·r-A· f '1 t j-}. hAA (J)or.tl. r Y.lll 6/ liability in respect of vehicle accident
r,,.7ihC'11. t,Y.;J ·,.h,)·t\o roofl] "I\/..~.).:: occurred outside the territory of Ethiopia.

~. bAM 8. Prohibitions
lIII'}~(I)'9° ll(1)' Tlttl.
f.,.7ihCI'J/. 00Y:,} No person may, for the purpose of obtaining
a vehicle insurance policy, make any false
"lIII'11r tl.A f TILtl.(I)·'} "'/..~Olf.~r ILftl4'C
statements resulting in the non-applicability
f 0lf.1· A lJll.,. ~ 00'1 t\ 6fi. ootlm r (I) J!, 9°
of such policy or commit any act which
OTILtl.(I)· I\J!, f"(I)''} oollr ILftl4'C f0lf.1·A
disentitles him to claim under such policy.
lIII'iT(1)',}9° Y:C'I.,r 00/..1.9° ilf,1'A9°::
12t ~7lii~~~ J..1.~-A ):'(,T ..?""I 4t'1'r. ~i: ,It?"t\. X~ .,., !tit?; 'U" Federal Negarit Gazette No. 53 23 rJ July 2013 . . .. page 6948

bt;;A V'cat
PART THREE
CERTI FlCATE OF INSURANCE
j. rout] rObe (I),.,.t OtlooOmt 9. Issuance of Certificate of Insurance
(:if roo~1 h-fl1f 1\00~1 '/llm' roo~1 Tlt.ft
1/ An insurance company shall issue a
ODll.'Vl'n* 'ut roo~1 ?OfltJC ml4'*?O certi ficate of insurance to the insured
nfle' oohm* nI\O*:: person at the same time when it issues an
insurance policy.
~f 0t\.u n1.,.1\ 10·fI n14'1\ «(:i) oolPl*
rDll. ....l' roo~1 ?OflhC ml4'*:- 2/ A certificate of insurance issued pursuant
to sub-article (I) of this Article shall
U) roo~1 'la.m·1 fI?OC.i n~/~?i; include the following particulars:

1\) r1-7ihCt)/.m-1 rlPt\.~: rqn1-cc.i r?ift a) name and address of the insured;
~'l'e':Y'; b) identification plate, chassis and
en) roo~1 Tlt.ftm· motor numbers of the vehicle;
rDll.fO.4'o* 'UI.; c) the time of commencement and
expiry of the insurance policy;
00) roo~1 TI\.ltm-
u, '1.;1- ?J:Y'1 d) conditions subject to which the
insurance policy is issued;
IP) Ooo~1 Tlt.ftm· 1-m.4'Dll. rDll.If'l-*1
ll?J:Y' m~r m'/'i1'; 'hCj e) persons or parties entitled under the
insurance policy; and
l) roo~1 ll~m~- fI?OCj n~t-?i;
oofl1 nI\O*:: f) name and address of the insurer.
rI Ooo~1 ?OfltJC ml4'rf; ,,~ 00~1 ll6f.b m- 3/ The insurer shall endorse on the certificate
r?OfltlC ml4'rf; r1-llmO* roo~1 7-lt.ft of insurance a declaration to the effect that
° tLU n q' 1: r 1- J'. 'I '1'1- * 1 oofl,<. C.,. :y. the insurance policy to which the
certificate is issued complies with the
rDll.ftPJ." 001f'l"1 OfJl;J'/'l' nI\O*::
requirements of this Proclamation.
!j/ r~m.f.-'} ·liti.'} OJ'A n*G1' mY.'/" rOJ·A 4/ Upon termination or the expiry of the
II~m", n.t'A"" ~m.f.:·} 1U.OJ· r~m.f.·'} '/"flhc insurance policy, the insured person shall
mG""':'}C; r~m.f.··} ,,.l\t'M.OJ·'} mJlYOJ'''' immediately hand over to the insurer the
certificate · of insurance and the insurance
Il~m.f:'} t'lhl.I>(I)· ~m~ml\fI I',MJ'}: :
sticker.

I. r DD t1 rObe (I)'tt 0'''' rDIJ.fg,ot 1.u, 10. Validity of Certificate of Insurance

(:if OtLU nq'"1: n14'1\ . i! oolPl* r1-llm 1/ A certificate of insurance issued in
roo~1 ?OfltlC ml4>* h1-llmO* 4'1 1.?uC' accordance with Article 9 of this
hn1~ qoo* ""'Ill 'ttl. rDll.tJCj oolf? Proclamation shall be valid for not less
nI\O*:: than one year from the date of issuance.

~/ (III," "'}"'Y.' ·}O·fI 1', '}'" y.' ((:i) r·,· J!. "11(1)' 2/ Notwithstanding the provisions of sub-
article (I) of this Article a certificate of
n.tic,/" IIIJ4! '/"tny·} hl','H~: (}~m.} ",.,t'I
insurance may be issued for a period that
1.11. t\"?t'l1' r~m.f.:'} Tt\.n rOJ'A ,,~m",'} correspond to the period of insurance
~mt'lG'} y J!.G1 r~mJ~"} '/"flhr. ml...,·'} policy issued for less than one year on the
1t.t'l1' y.l·"'A:: 1',t.,~Y.tID.·} ,,'}J!."flt.,"' 1. .,.,: basis of sufficient grounds. The Ministry
shall, when necessary, issue directive on
1..~'}nOJ· (I'''I.J'.,.cnOJ· rOJ·It~ ~1t'1J ",y.
the implementation of same based on the
'''~m p'C.,. fill. ~fI'I:-:. (J~m~m/,Y Y.mflC; A:: recommendation submitted by the Agency.
·t~ ~7i.;;r~'m ~~"·A ~,:)".'), .:)II."t 4:1'C .Yi: (h?"(\. :'::~ 4'1 j(j"i.i.~ <}.9" Federal Negarit Gazette No. 53 23 'J July 2013 ...... .. page 6949

Ii. ool:q Otl ooOO1t I I. Duty to Give Information

?if 001:1 'I(lm' \"I'~-r t"JUf h 1-'th.{.flm· oo11-r 1/ The insured person shall, where
flflm· "'m' m~9Q OhC"" il9° I]'f<l: requested by or on behalf of a person
t\. <f>C 1M -r :- entitled to compensation, provide
information on:
0) .,.7ihCt"Jt.m· 001:1 fflm· oolf~"} m~9°
hfloolf~'1~ h'i
a) whether the vehicle is insured or not;
and
It) mLu htp1: h1<1'1-' n
ooWl:" O"''''mm'
\'001:1 ~ilhC ml<l'-r "K. b) the conditions speci fied in the
certificate of insurance pursuant to
\,.,.ooflh1:-r1 0·'l.;J· ?,":f';
Article 9 of this Proclamation.
Ooo,,/fl1-' ool)1 uoilm:" hflO-r::
!f/ (111.11 ),.}.,.",. '}O'fI h'}·,·",· (l!) \"~~"11(JJ' 2/ Without prejudice to sub-article (I) of
"'}~'hn(l'" 1Y'i rm.f:·) (l6f.b(JJ. "?~.fI·I;",. this Article, the insurer shall furnish the
(I'''I.J'OJtI,(U. rm£m(,J' m",.,I.. •.,. hfl.{.I\·I.a'··) necessary information to the Agency in
accordance with the directive to be
rm l..1{ fllb~'}(l(U' \,mlflm'''' "IJ!..:J· ),fl(l·.,.I: issued by the Ministry.
!:/ fltl7'}~a'·9" \'U"I ),fllillt. ),.,A a'f.9" 3/ When requested by any law enforcement
\'uhyoC; .~*yo \'£m.r... ·} (It>f.b(U. fI(lma,· body or medical institution as to the
\' all .r.' ') yo fI h c: OJ t. .,. •.,. 1\ f. fl"'/. J' .,. c: .f) fl ..,. certificate of insurance issued by the
insurer, it shall provide the appropriate
'f' J'<k ""Ill.(U"} £mt.1{ h?!!l "'f~.'" llAfJflm
information within 24 hours.
'1.11. \,allflm'''' "IYo.:J· hfln:,': :
,

II. Ot\ootl ttltIJk "'''bt 12. Insurance Stickers

hi oYJ 1r;:m'9° 00 1: 1 tVi.'" \' 001: 1 .,. fl fll.{. 1/ Any insurer shall provide the insured
9°Ah'}' ,,.cifiO. hlf~(J)- \,oo~"} 9"ilhC insurance sticker together with
corresponding certificate of insurance.
ml.,.'}· ;.JC floo1:1 'I(lro- ooflm-r hflO-r::

!f! h.{.-r fl.{.-r \,'H·iI ooh"hf ooil;rm-r "flm· 2/ In case of a vehicle having windscreen
.,. 7ihCt"Jt. \"""'mm' \'001:1 .,.flfll.{. 9°Ah-r the insurance sticker issued for the
oo·fl· floo·fl· W7A() h1~oYJ.;J·~ If'i mLu, vehicle shall be displayed fully on the
oofl;t-m-r ,,~ ooflm~ hfln:":: windscreen.

N ""'' 0. m~9° \'·H.iI ooh"hf O! 'iI;J'm-r 3/ The insurance sticker for a trai ler or a
""'flm' "'7ihCt"J1. \"""'m \,00~1 .,.flfll.{. vehicle without windscreen shall always
?"Ah-r rN!\ '1.""9° .,.7ihCt"Jl.m·1 OD1l.~~m· be kept with the driver.
"'m' h'f: 00<1'001]' hflO-r::

Ir. '001:1 tt\tlJk "'''bt bt\oriflf mg,r 13. Non-Possession and Absence of Insurance
bt\oo'iC Sticker

?if \'001:1 .,.flfll.{. 9°Ah-r hfloofll 1/ The non-possession of an insurance sticker

shall constitute a prima facie evidence that
.,.7ihCt"Jl.m· \'001:1 7i4.1 h1.l!"'flm·
the vehicle has not been insured and the
fI"oYJ.fil~l]'lm· \'001:1 9"flhC ml.,.·}· police shall have the power to detain such
hMLoofll 1:lfl 7'lLfI h1-'tU fflm'1 vehicle until the appropriate certificate of
"'7ihCt"Jt. ~II \'oYJ~\"r p'Afll1 ~'iltpA:: insurance is presented.
 Federal Negarit Gazette No . 53 23"\ July2013 ..... . . page 6950

~I ro~;J''f rlr~ roo~"} ,,.ftlTJ~. ?"Ah-}' 21 The absence of valid insurance stick-er
t.ftoo'j'C ,,. 7ihC'16lJJ- noo,},I~' I\Y. fl. ~~ shall indicate absence of valid insurance
roy.?" 1'.-,.?" I\Y, fI.lJJ-A foci roo~"} Tft.fI. pol icy when the vehicle is dri ven or
rAftlJJ- oolr~·'} ilftDII.m4:?" '''1n.lJJ- roo~"} being used on a road. Unless the
?"iltiC ml.,.·}· hil'IA .,.In .f: lil appropriate certificate of insurance is
h'}Y.IJ·~;rlJJ- r·,.7ihc'16lJJ- CJftll.·}· my,?" presented' it shall be deemed that the
nu'1 '11\~, ~,}. fftn,}· ro1'} roy,?" owner of such vehicle or the person
"'7ihC'16lJJ- noo'}1~' I\Y. h'}~.~~ my,?" legally responsible or the person who
1"""9" I\Y, h ·}~.ro·A fY.l·1 roY,?" r ~ . .,. Y. caused or pennitted the vehicle to be
dri ven or used on a road or the person
roy.9" ·,·7ihC'16lJJ-'} fl. ~~ roy,?" fI.m"'?"
r~nl fllJJ- f".U'} t.'P;fi: ~·'};J1.PJ-:''' driving or using the vehicle, as
h·}~·"l\ft~. Y.~mt·A::
appropriate, violated the provision of this
Proclamation.

14. Issuance of Replacement

r/"I'D ,f.:'} 9"ft"Cwl. <I"'" W}!,9" t'mJ ,f."} ,,·ft 11M. The insurer shall, upon the request of
9"Ah,.,. H.m1-. w}!,'r H.n~'fi 1IIJ,f.·'} 'IU.(J)· the insured person, issue a replacement
}!,In~· 1AX nm}!,"" IIn,f.:·} f"I"I."(lJ· 9"'''''' certificate of insurance or an insurance
Imftm'''' I1I\IH·: : sticker where it is lost or mutilated.
bt;:l\ b&=t PART FOUR
LIABILITY TO BE COVERED BY
Oout'l foulicLl '1"6-)t INSllRANCE
I~. foag:l lllfDo ..,~:tsP?f 15. Obligation of the Insured

ooY:1 'Ulm· hl7ll.h'f'ft·1- 9u t"}f.y.:r· rDll,oo~(.t); The insured shall secure insurance coverage
for liabilities arising from:
'11\~~.y.:r. nDll,'/CJm· ooY:'} h1~1i,(.~· rDIIY:l'1
'1Y.o:J" ,e'iCn:J"A:-
II collision, fire or explosion caused by the
~I ooY:1 r""/l1ft1- "'7ihCI'Jt. rDll,f~Cflm'
insured vehicle;
'1'"1."1- -: rhllt. .4'mft" m,e9u ~'~:J" i
e/ r.,.7ihCI'Jt.m· 61"~1- -: ~I'JA m,e9° 21 the fall of objects carried by the vehicle,
rDII:Ift'/An1- ooUft.f mY:cf rDll,f~Cflm· its accessories or tools being used in
'I·~-l· i h ci connection with the vehicle; and

N h.,.7ihCI'Jt.m· h1~il:PfI. 31 any damage resulting from the

ratj.~Cil D111~m'9° '1'~1-:: movement of the vehicle.

II. r.,,,d. ~T ODlnl 16. Extent of Liability

~/ lIy'ft,,.;;: w1'} r,,.'fihe',t. 1,J'.:) mJ,f.:'}

liThe amount of compensation to be covered
by vehicle insurance policy against third
party risks shall be:
a) an amount not less than Birr 5,000
0) Ill, 'H~: f"I(J). ~}!, 1\ 1I1/.J'.Cft r'l"'''' llJ'.:)
and not exceeding Birr 40,000 in
h'lIe !;it J.I~"f"IC; h'flC ~i'i. ,f'AlIl\m: respect of the death of one person;
1\) 1I1,'},f.· f"I(J). ~}!, 1\"7.J'.Cft rll"A ',"p".,. b) an amount not exceeding Birr 40,000
h'IIC ~i'i. ,f'AlIl\m: in respect of bodily injury of one
person; or
.. I.) In'lIl'''' ~}!, l\'II/.J'.Cft IL"&- h'lIe M~;t
c) an amount not exceeding Birr I 00,0 flO
J.lA 111\ 10 :
in respect of damage to property.
Iml"} 1,1\11''''::
1~ 'A7t;!~!t1i ~U,-A .,,?,,~. ,?If.'" 4c1'C ~j~."rl\ n +., l;U; 'H" Federal Negarit Gazette No. 53 23'0 July 2013 .... . ..... ... .. .page 6951
~/ "uh~e; "he; 1\.1\"":(' tr,.~,,: :Je .,.Y .f'1f',..,.. 2/ The medical expenses incurred for the
fi ;:::1:01' hC'/ll·n 11 "a" .,tll m"p!.."" injured person and costs related to other
""".h~.A 1.,'1 f'''LOt'm OJ,,"}, '''-)i(o''
f]',I.A .,.~ ..,.. a)f.~ "" ..,.. t'l.1..Cflll·""
*"". compensations in accordance with the
relevant law shall be considered as part
h"Y.hL"OJ· 1'1.''1 t'mm'} ~f. f"'I.:J·(HI of the amount of compensation to be
f. If e; A : : paid in respect of penn anent bodily
injury or death of the victim.
t/ 1111." ]','}'N',' '}o-fl ]','}"~1l' (?i) h·,.all. . .,a'· 3/ Any person who alleges to be entitled to
t'Rltn'} lI~f. 1.,'1 ,,-hL'" f.11lA f"'l.A (ta,· compensation above the limit provided
f.trn, ·h.l.l."'It h'l:,f t'In~"} 1ILOJ' a)f.~ for under sub-article (I) of this Article
UW'I -J~~ •., •.,.. f·,.IIM II''''' 11 I.A "h '}~h'l:"a'· shall have the right to claim same from
the insured person or from other having
]"Cl/1l11 11"01' .,.'1 t'm,p,!.,,,,, ft'mmf:" I'm 11":
legal liability in accordance with the
f'hnU~ "01': : relevant law.
~/ II"'I'};;:OJ'~ ·,.·iihcl.t ff..t.(t
.,.~ •.,.. lI"h~e; nc
*"".
.f.'
fhl.A
I'm!. :J1'1'
4/ The extent of pennanent bodily injury
t'mtn'} caused to a person by a vehicle accident
f. "1"~A :: may be determined by a medical board.
(;/ 1111,11 ]" '}~fl' '}{)ofl h '}~fl' (?i) 1""1.. "11m··} 5/ The Council of Ministers is hereby
f-J~~.","" t'Intn'} f"'I.~.fl·.,..C':r· ~hC 0.''''' empowered to amend the extent of
1''''1 if if A p'Atl,.} 1111," h'PJ: ·"()'I'.y..:J·A: :
liability limit provided under sub-article
(1) of this Article.
17. Notice of Accident and Claim for
Com pensation
hi hh""9u n".('. rlf~ 9uh"}f~ I-)6\'1'l nflrf''''C 1/ The insured person shall, unless
ooY:"} 'm.m- ooY:"} r''''/fllI~ rf'1ihCI-)t. prevented by the existence of force
h~;J lPJY:lO,"} m-'tfm-~- m.e~ o.H'/.('. nx majeure, give to the insurer notice of an
accident caused by the insured vehicle
.,."} m-fl'l' llooY:"} 06J,b m' IPJfI;rm""
hlln-r:: immediately or at the latest within 10
days from the date of the occurrence of
such accident.
ef I-)~ roomr""oo-n-r film- lPJ'g:m'9 u 2/ Any third party entitled to compensation
~flrf'~ m'n 1'111·')-- IPJfll:q?J1' ;JC rl-)~ may submit his claim, together with
'l' f<l:m·"} llooY:"} 06J,b m- n"''l';r lPJ""l-n supporting evidences, directly to the
.e 1'''6\:: insurer.
I~. r~ct" 0.+ (Do""" 0"004&,- 18. Duty to Execute Court Judgement
?if nooY:") TII.fl. rrf'7i&. ~ '1"Iv~-r"} 1/ Where a judgement is rendered against
nmz.oollh"'· nooY:"} '/fi.m- ".('. rrf'om an insured person in respect of any
r~cy: n.-r m·/t't fl. '1'e ooY:"} o~m­ liability covered by insurance policy, the
nTII.fl.m· ".('. flln-r"} rf'mf4!~-r IIlPJfI.,.l-r insurer shall, notwithstanding that it may
m.e9 U 1l000l11 oo-n-r 0. '1' lm-9 m.('.9 U U be entitled to avoid or cancel or may
have avoided or cancelled the policy, pay
TlI.o.m-"} t,fI"'C.y.~ m.e9 U oCtt-r o.lf"}9U
to the judgement creditors any sum
h"}.... II~C Y: 'lIIoo-n.y.~ nm·/t'tm,
payable under the judgement including
r+oollh+m·"} 'nH-n mal. Cj mllY:' (,J,b~C' costs and interest.
ooh&.6\ hlln-r::
~f m·/t'tm·") romm· ~CY: n.-r nm·/t'tm· ".e 2/ The court that renders the judgement
rh,('~~9U -rlJ.,l1 ooflm-r hlln-r:: shall issue execution order accordingly.
 -
'l~ ~itp.~~~ t..S./'oA ~.~/.:,- .~tl.n, ch'l'C ~i: Ih?"'" X~ .,., fti'i.(; 'l.?" Federal Negarit Gazette No. 53 23 rd July 2013 ...... ..... .. ... page 6952

PART FIVE
INSURANCE FUND
lB. "..t:t:r 19. Establishment
roo.('1 &.1.(' (httu n:1" "&.1.(''' hr,,.lltl An Insurance Fund (hereinafter the "Fund")
rD?m/.-) <J:D? rtJ-f,cj1ll 9 16).1o lflj nn.Tt'-A-f
U is hereby established as a pennanent source
1Ich./.. 'f 1l1h nD?h&.T A~ rll1h V\lI (D-ll1' of finance to be deposited in a special bank
''''''D?6).b h 1.atlf1 nttu h 'P ~ "'<J:+-OJ.A:: account to be opened at the National Bank of
Ethiopia.
20, Objectives of the Fund

ii/ I' L '}~. f~"117 1m .f.:'} 11 A '''"llll\'''' aJ Y,'r II The Fund shall have objectives, in case
of accident caused by uninsured or
llA:J-at+ ·,.'lihe'I/,-1\J!..;J 'rlY} .(1'''':-
untraced vehicle, to:

II) 'I'~'''' I' ~I. ... n·'" "'m· l,ll:l: ~.. y. ru"'re; a} provide emergency medical
treatment to a person who has
n1A 0/1\....,. "'}J.L.(l1~ 1171: I. "/1
sustained injury;
") rl,'IA 'I-~'''' tl~l. ... n·'" ... m- 'I'" b} provide compensation to a person
"'}J.LhL"m· 117 .f: I. 0/ : "e; who has sustained bodily injury; and

Ill) "'I"'" "'m·

"·}J.LhLA 1171:1.°/:
O.·,. ... ·fI I,ll"'''' 'I'" c} provide compensation to family
members ofa deceased person.

Y.(fe; A: :
ft./ IIII.U n·},,·,,·
'}(l·ll n'}+'"
(ii) mll"I.'''' 21 The amount of compensation to be paid
h.{.')~. r"?hLl\m· 1'1')1"11 Imm'} IIII.U from the Fund in accordance with sub-
"'I''; 1,'}+,,' I~ Iml~'I.'''' n""lihe'l/' ,,~:J article (I) of this Article shall be
equivalent to the extent of liability to be
rY'll"';;: oJ1'} m •.f."} ;r "..... lI'I1,.i1'.{. ~OJ'
covered by vehicle insurance policy
r.,,,.{.',,.,.
m'm'} .f.·l.ll Y.(fe;A I:
against third party risks in accordance
with Article 16 of this Proclamation.
j:/ "'~'}""m' n".u ,,'}+,,- '}(l·ll "'}+". (Ii) "e; 31 The Agency shall be entitled to claim its
(ft.) Iml"I.'''' J'attllo,,') ffl(;1.1. "'I'~'I: cost incurred in compliance with sub-
n.,,,.{.~,,,, 'hnJ'-I! h(f~OJ' "'OJ' "y. article (I) and (2) of this Article from the
person responsible for the accident.
rl17lllm "ll Im·n·.,. y.C; 1.'1' A: :

fi. r4.1J5.. hn... .4S~C 21. Administration of the Fund

The Fund shall be administered by the
C<:}~ fUh~:·}"'.m- .r.·,.~.v_~A::
Agency.

fl. r"')ll1:S: p'AtfJ1C; t,qc 22. Power and Duties of the Ministry

D? -,.ll·1; S. : - The Ministry shall have the powers and

duties to:
iiI rtLu h'P'f: ~"D? h1~/l11 tlD?.('l'? II follow up the overall activities of the
o.1.10.m-1 nn",e ~T ,eh;}-"'''A: Agency with a view to the attainment of
h 1Y.h llC<." 'L ~i:9U oooo/,f f(DtTJA! the objectives of this Proclamation and
issue directive as may be necessary;
JlI ro.1.10.m·1 ''''?IlC nrm:t>i: ,e'loo'?D?A::
21 evaluate, periodically, the perfonnance
of the Agency.
 23. Source of the Fund
jil t' I.. ').1;. t'1')1111 9"')'T.' hI.. ').1;. 'fooo') II The source of the Fund shall be the fund
t'0lf.llO(l11 hCi 00lf. ~./l'}-c''f- 9"hC n'}' tariff and other additional source to be
detennined by the Council of Ministers.
OOlf.CDll') tV", 'fobtbOlft 10. Y.(fCiA::

~I 011. U t,')",1\' ')O·/l t,')",1\' (M oolll. ,}- 21 The amount of fund tariff to be collected
rOlf.llOllO(J)o t'1.:)Y: 'fooo') On,~')ll.(J)o rrCj'}- in accordance with sub-artic1e (I) of this
Article shall be determined by the
Ity. 'fooo~Cf' 00lf. ~./l'}'C'-:". 9"hC n'}-
Council of Ministers based on the study
rOlf.CDll') y,(fciA::
undertaken by the Agency.

ttg. O(\Ll+ h'i'tfll 24. Disbursement

OILU ilCP~ il,).,.1t-
ft.,.oofth-t::" 0, It OlfSU'f'
?) Disbursements of the Fund to be made for
hl..')~ 'l/l-n 'rm'o mr.JJ. (f'i rOlf.hl..ftm· (JC~ purposes specified under Article 20 of this
ODll.fmtf)m· ril/..~1t9D oooo/.f ooLPI.'''' Proclamation shall be made in accordance
~(f'iA:: with procedures establ ished by the Board.

tt~. OOh-5.t 25. Audit

r&.')~ 'L ... -n (JC~ ODll.ll.eoom· rm·6J.b ~Jt.,.C

The accounts of the Fund shall be audited
annually by external auditor to be appointed
Oro,oo-t: ~ool.oot,.A::
by the Board.
h'SA Oy:ot PART SIX
A, A, 't:121f1x MISCELLANEOUS PROVISIONS
n. O(J):""~ blC 0"1=00"10 t7lhCt)4 26. Foreign Registered Vehicle
ji! Om'~ il'IC r",ooH'/O'" Oil.. :"",,*, f 00,)'1?'f· II The driver of any foreign registered
It.e ftoo').,. ... .,,/l I..:/' Y: r.,.llmm·') .,. 7ihCt-,/. vehicle pennitted to be driven on the
rOlf.f7ihlhC llm· r6(; t'ooY:') 9DflhC roads of Ethiopia shall possess a valid
mI..":,,,,· roo.f.·') .,.fttf)~ 9DAh:" oofll certificate of insurance and insurance
m~9D rooY:,) Tt\.ll.m· Oil'lC m·flrr sticker or, where the insurance policy is
t'oo.f.·') h·fI,)f r.,.llm t-,A(f~ n.6lil. t-,CY: not issued by a local insurance company,
m~9D .,.oo ...... ~~:" fftm· rooY:,) Olfl;J'I6lil. he shall produce a yellow card or an
Olf:"loO ilftO:":: equivalent proof of insurance coverage.
~! O(D·~ il'le r",ool1'/O .,. 7ihCt-,/. On. :"",,*. f 21 The insurance coverage agai nst third
00')'1 ?'f' It.e ftOlf.f .f.Cllm· il.f.;J rOlf. 'i lm· party risks with respect to an accident
r~fl"'~ m'n 00Y:,) 7i~.') OH.u ilCP~ caused by foreign registered vehicle
il').,.1\' X]; h"'.f.~'I'lm· r'lltl..~'}- oom') Olf~ll while driven on the Ethiopian road may
rfto:"9": : not be less than the extent of liability
provided under Article 16 of this
Proclamation.
tti. OtlbOflJ.& fUhr'i blA,tl-t 27. Emergency Medical Treatment
hi f,t-°IH.ct.t 1,,,:) f,,~{JlJ:t- t1IJ')~aJ'9" (JO)' II Any person who has sustained injury
nil." ','1)~ "y'ft,t-~ at1') lJ·t-{JmaJ· '''''C'I-r caused by a vehicle accident shall be
f"?i1~') tr'1r I,Atr'19" a' ",1. 0)' hfth 'flC entitled to emergency medical treatment
ftit f"?,,c:ft l,ft:':s)'f, ftJh9"'l h1t\ ../l\....,.. costing up to Birr 2,000 whether he is a
third party or not as defined under this
fll7"1°~'·"" I'm.,I''''' f,e; ~'1)A: :
Proclamation.
 'Il\' :t;if.j!r~m J.•.f.I.·A '1;)/.ol· ;J'L'" '/l'l'C :li: ,,,Y"n. :I:~ "" fti'i.?; 'U" Federal Ncgarit Gazelle No. 53 23,<1 July 2013 ... . .. page 6954

i!1 0!i(iTCU'9° rUh9°'j '1'*9° r·,·7ihCtJ/. nY.;J 21 Any medical institution shall have the
y'C(aO~~ my. uh9 (i U
"'*00' (\oofll O!i')~ duty to provide emergency medical
treatment to any victim of a vehicle
CU'9" "'1)1. nll:ft.L.e ruh9 U
'" n'/A '1/r'~'
accident when approached by such
roollm-r '1y.,;}, n(\O-r::
victim. .
f.;/ 'IlJ'P;: (IJ'~ ,,,'fihe.,/, II"?J' ~C"'OJ' .,.~ ,).
31 The medical institution shall be entitled
ruhyo') ,,,!I:(IP. t\nll:I:~\Y, ruhyoC; to claim its expenses for the emergency
1,1A nll\"'} ,fa,u,(IJ"} aJ'J.l, 1I1b~'}fI.(IJ· medical treatment due to vehicle
1,c}/r(I..,,} ''?~.ll'I:C;. 1I''?.fw u,(IJ' rhc,:,f accident in accordance with the directive
1,~.~~~ mUR'tJ' UIJIJIl.')' ,,'}-'thLt\oJ' to be issued by the Ministry upon the
recommendation of the Agency.
t\. mY.:" Y, :t· ~ A ::
41 The medical institution shall be entitled
~/ UIJ .f: '} .f A '''1f1 t\ ,). a' y. ~ ,f A:J ·W"" to claim its expenses for the medical
,,,'fihe •• /, t\ ''?,f ~C"'(IJ' ,,.~.} ruh~C; treatment due to an accident occurred by
,,,!l:flP • t\uhyo') n"A "'11\":" .fW(I'(IJ"} W'J.l. uninsured or untraced vehicle directly
1111.11 n9''; 1,'}"'~' ?!.~ mJlPI.'} IH'1' :J' from the Fund as provided under Article
h L '}~. ,,'}'-:" h L t\ (IJ' t\ m'm r:" y.:}". ~ A :: 24 of this Proclamation.

f~. tL3"1)t Oll"1'Lt=T(JJ: «b1x 28. Applicable Laws

oo~'}'} rD'l.oo(\h-t: r'}'1~ ih'1'j rt\./r'";f· ih1";f' The provisions of the Commercial Code anq
~'};J'l.SD";f· hllu ntp~ ;JC "lltJAi' :Pl~' ~lll
other laws pertaining to insurance shall, in so
far as they are not inconsistent with this
Oi'7ihCtJ/. nY.;J rY'll"'~ (1)'1') oo~'} ".e
.,.,{. '1D'l. .elf'" (\.: : Proclamation, be applicable with respect to
vehicle insurance against third party risks,

fi. 1.."Hl ~'1 oooo&t ftllJ(JJ:tlJT llAtlJ1 29. Power to Issue Regulation and Directive
?il rl11l.'l.Il-rC'";f· 9DhC n.-r .eu') nCP~ II The Council of Ministers may issue
t\0!i1l'{.~9D rl11l.fll,{.A·I· y''}(1";f.,} It.fcu('l regulations necessary for the
f.,";f·"A :: implementation of this Proclamation.

~I DII.~.Il·I;~ Y.u'} nCP~'j OH.u n'}"'') '}O·1l 21 The Ministry may issue directives
t,'}".,) (Ii) oolPl'}' rCDm' Y:}{J";f"} necessary for the implementation of this
(\DIIIl'{.69" fDII.fll,{.A1· ooootfSU":f"} Proclamation and regulations issued
ft.Ymfll Y::;'''A:: pursuant to sub-article (I) of this Article.
30. Penalty
0. ~
Any person who violates the provision of this
DII'}~(D·9D "(D' rlLu') nCP~ m.e9D mlu nCP~
Proclamation or regulations issued pursuant
oolPl-r rmfll Y.,}fI,} ~'};J'! ,,."At:: r""ll
to this Proclamation shall be punished with a
"'} Y.lf~ hflC rit. hllh flC ?iit Ol11l.Y.CIl r'I'}HfI fine from Birr 3,000 up to Birr 5,000 or with
00"'l!'" mf.,9° hn'}~ ~oo-r hllh u·ft-r ~oo-r imprisonment from one year up to two year.
Ol11l.Y.CIl hPJlr-r .e.,.fllA::

rlJli. f1'iil «b"7 31. Repealed Law

f·,.7ihC •• t hY.;J Y'1l'''~: CD1'} oot:'} CPIl'}'''' The Vehicle Insurance Against Third Party
hCP~ tf!1'C (;~~W~"(i. mtu t,cP~ "'7ii:=A:: Risks Proclamation No. 559/2008 is hereby
repealed.
 'lit ~i1.;W~(; 4...P.t.·A ~,~"-l' ,~".nl <lr1'C ~t ,lIrt\. x:~ .,.') iti'i.(; fun Federal Ncgarit Gazelle No. 53 23"1 July 2013 .. . ......... page 6')55

r!J1. ODilT'I ..,~ OD"'''''~ 32. Transfer of Rights and Obligations

nt,'P'" 4!1'C l;r~i!lM('i. f'hl.·*oo(J)- foo.(·'J The rights and obligations of the Office of
~:J,~' lIU~.'}· o.,}' ooll'}'Cj "lY.. ;J'P'-:''' nll.u il'P'" Insurance Fund, established by Proclamation
. No, 55912008. are hereby transferred to the
1\',.~:}fI.(J)o - '1·"l\~.'Pl\::
Agency . .

f}}f. "''P:q: l'tl'J.r;nt-'!.tL 33. Effective Date

This Proclamation shall enter into force on
f.U ','P~. n&..'(~l\ '1;J/"}' ,:JII.n] ;r'}'(1"
the date of publication in the Federal Negarit
hmfll.H· ""J ~S"'C· fOC; f,trC;l\::
Gazette.

Done at Addis Ababa, this 23 rd day of July, 2013,

GIRMA WOLDEGIORGIS

r l\. "',..A- Y 4~t."'f! Jl""ht.~Y'f! PRESIDENT OF THE FEDERAL

~Tlll\h T~H.,t5.,+ DEMOCRATIC REPUBLIC OF ETHIOPIA

"