Before an insurance contract is concluded the insurance undertaking shall inform the policyholder of:

• the law applicable to the contract where the parties do not have a free choice, or the fact that the parties are free to choose the law applicable and, in the latter case, the law the insurer proposes to choose,

• the arrangements for handling policyholders' complaints concerning contracts including, where appropriate, the existence of a complaints body, without prejudice to the policyholders's right to take legal proceedings.

The obligation referred to in paragraph 1 shall apply only where the policyholder is a natural person.

The rules for implementing this Article shall be determined in accordance with the law of the Member State in which the risk is situated.