(1) An insurance undertaking or, as the case may be, an insurance intermediary with whom a person seeking insurance deals directly, shall, before any insurance contract is concluded, notify persons seeking insurance and in writing, where requested, of the following, as appropriate -
(a) the law applicable to the contract where the parties do not have a choice of law, or
(b) that the parties to the contract are free to choose the applicable law and in this case the law which the insurance undertaking proposes to choose;
and shall also so notify such persons of the arrangements for handling policyholders' complaints concerning insurance contracts including the existence of a complaints body, without prejudice to a person's right of recourse to legal proceedings.
(2) Sub-article (1) of this Article shall apply only in the case of natural persons.
(3) The rules for implementing the provisions of sub-article (1) of this Article shall be determined in accordance with the law of the Member St
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