20In that judgment, the Court held that Article 15(1) of Council Directive 90/619/EEC of 8 November 1990 on the coordination of laws, regulations and administrative provisions relating to direct life assurance, laying down provisions to facilitate the effective exercise of freedom to provide services and amending Directive 79/267/EEC (OJ 1990 L 330, p. 50), as amended by Council Directive 92/96/EEC of 10 November 1992 (OJ 1992 L 360, p. 1), read in conjunction with Article 31 of Council Directive 92/96/EEC of 10 November 1992 on the coordination of laws, regulations and administrative provisions relating to direct life assurance and amending Directives 79/267/EEC and 90/619/EEC (third life assurance Directive) (OJ 1992 L 360, p. 1) – provisions reproduced, in essence, in Articles 35 and 36 of Directive 2002/83 – must be interpreted as precluding a national provision under which a right of cancellation lapses one year at the latest after payment of the first premium, where the policy holder has not been informed about the right of cancellation.
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