30Therefore, as noted by the Advocate General in points 46 and 47 of her Opinion, the insurer may not validly rely on reasons of legal certainty in order to redress a situation caused by its own failure to comply with the requirement, under European Union law, to communicate a defined list of information, including, in particular, information relating to the right of the policy-holder to cancel the contract (see, by analogy, Heininger, paragraph 47).
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