47If such a fee, the non-payment of which allows the lessor to terminate the leasing agreement, also covers the insurance premiums for the leased item, it must be observed that, although a contractual stipulation of that kind may constitute an indication of a single service in other circumstances, that is not relevant in the case where the separate transactions cannot be regarded objectively a constituting a single service (see, to that effect, Field Fisher Waterhouse, paragraphs 23 and 25). Therefore, despite the existence of a contractual stipulation, leasing and insurance services such as those at issue in the main proceedings may constitute separate services.
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