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.