How is the Member State in which the risk is situated determined in situations where policy covers multiple risks (where policy holder is NOT a legal person)? For example, where the insurance relates to a vehicle and in addition extra cover is included, like accident. Is it necessary to determine which is the Member State in which the risk is situated for each risk/insurance on the policy or does extra cover on the same policy follow the main risk? In the provided example, is the Member State of registration of the vehicle relevant for the accident insurance or are there two potential Member States in which the risk is situated-the Member State of registration of the vehicle and the Member State in which the habitual residence of the policy holder is situated?