Opinion of Advocate General Szpunar delivered on 27 June 2024.#Mutuelle assurance des travailleurs mutualistes (Matmut) v TN and Others.#Request for a preliminary ruling from the Cour de cassation (France).#Reference for a preliminary ruling – Compulsory insurance against civil liability in respect of the use of motor vehicles – Directive 2009/103/EC – Articles 3 and 13 – Insurance contract concluded on the basis of an intentional false statement concerning the usual driver – National legislation providing that the nullity of an insurance contract may be invoked against a ‘passenger victim’, who is also the insurance policyholder, where that nullity results from an intentional false statement made by that person when the contract was concluded – Abuse of rights – Action brought against the policyholder seeking to establish his liability as a result of his intentional false statement.#Case C-236/23.