28Thus, first, Article 11(1)(b) of Regulation No 1215/2012 provides that an insurer domiciled in a Member State may be sued in another Member State in which the claimant is domiciled in the case of actions brought by the policyholder, the insured or a beneficiary. Second, Article 12 of that regulation provides that, in respect of liability insurance or insurance of immovable property, the insurer may also be sued in the courts for the place where the harmful event occurred. Those rules ensure that a weaker party who intends to bring an action against a stronger party can do so before a court of a Member State which is easily accessible.
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