55Lastly, Directive 2005/14, through Articles 2 and 4, which amended respectively the Second and Third Directives, inter alia, adjusted the minimum amounts of compensation to be guaranteed and provided for their regular review, extended the scope of the payment of compensation by the body established by the Second Directive and extended the insurance cover referred to in Article 3(1) of the First Directive to personal injuries and damage to property suffered by pedestrians, cyclists and other non-motorised users of the roads. It also inserted a new restriction on the possibility of applying certain exclusion clauses to the insurance cover and prohibited excesses from being relied on against the injured party to an accident as far as the insurance referred to in Article 3(1) of the First Directive is concerned.
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