Vehicle lessee

Lessee

(Vehicle – Insurance – Owner)
A vehicle lessee is considered, for legal purposes, as the insured party in accordance with Article 1 of Royal Decree No. 34/1994 concerning the Motor Vehicle Insurance Law. However, if the lessee deliberately commits an act that causes harm to the owner of the vehicle, then—both logically and legally—he is regarded as a third party, pursuant to Clause 1 of Chapter One of the Unified Motor Vehicle Insurance Policy.
Appeal No. 1307/2016