General Information for policy holders
1. Before a non-life insurance contract is concluded the non-life insurance undertaking shall inform the policy holder of the following:
(a)
the law applicable to the contract, where the parties do not have a free choice;
(b)
the fact that the parties are free to choose the law applicable and the law the insurer proposes to choose.
The insurance undertaking shall also inform the policy holder of the arrangements for handling complaints of policy holders concerning contracts including, where appropriate, the existence of a complaints body, without prejudice to the right of the policy holder to take legal proceedings.
2. The obligations referred to in paragraph 1 shall apply only where the policy holder is a natural person.
3. The detailed rules for implementing paragraphs 1 and 2 shall be laid down by the Member State in which the risk is situated.
Additional information in the case of non-life insurance offered under the right of establishment or the freedom to provide services
1. Where non-life insurance is offered under the right of establishment or the freedom to provide services, the policy holder shall, before any commitment is entered into, be informed of the Member State in which the head office or, where appropriate, the branch with which the contract is to be concluded is situated.
Any documents issued to the policy holder shall convey the information referred to in the first subparagraph.
The obligations imposed in the first and second subparagraphs shall not apply to large risks.
2. The contract or any other document granting cover, together with the insurance proposal where it is binding upon the policy holder, shall state the address of the head office or, where appropriate, of the branch of the non-life insurance undertaking which grants the cover.
The Member States may require that the name and address of the representative of the non-life insurance undertaking referred to in Article 148(2)(a) also appear in the documents referred to in the first subparagraph of this paragraph.
