Uanset stk. 2 og 3 kan en medlemsstat fastsætte, at forsikringsaftalen er underlagt loven i den medlemsstat, hvor tegning af forsikringen er obligatorisk.
by way of derogation from paragraphs 2 and 3, a Member State may lay down that the insurance contract shall be governed by the law of the Member State that imposes the obligation to take out insurance.