State of the risk
- (a) if the insurance relates to a building or to a building and its contents (so far as the contents are covered by the same policy), the state180 in which the building is situated;
- (b) if the insurance relates to a vehicle of any type, the state180 of registration;
- (c) in the case of policies of a duration of four months or less covering travel or holiday risks (whatever the class concerned), the state180 in which the policyholder took out the policy;
- (d) in a case not covered by (a) to (c):
- (i) if the policyholder is an individual, the state180 in which he has his habitual residence at the date when the contract is entered into; and411
- (ii) otherwise, the state180 in which the establishment of the policyholder to which the policy relates is situated at that date.61
[Note: article 15(1) of the Consolidated Motor Insurance Directive]97 53