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European Union
A v O and G.W. and E..S. v A. Towarzystwo Ubezpieczeń Życie S.A (C-143/20)
The questions referred for a prelimina…
The first question referred in Case C‑…
82

A v O and G.W. and E..S. v A. Towarzystwo Ubezpieczeń Życie S.A (C-143/20)

Judgment of 24 Feb 2022law://eu/cjeu/2020/c-143-20/para_82@2026-11-11

82Consequently, such a consumer must, prior to acceding to a group unit-linked contract, be given the information referred to in Article 36(1) of Directive 2002/83, which will enable him or her to make an informed decision about which insurance product best suits his or her needs.

Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.

Key facts

Court: Court of Justice · Third Chamber
Case: C-143/20 · ECLI:EU:C:2022:118
Decided: 24 Feb 2022
Procedure: Preliminary reference · referred by the Sąd Rejonowy dla Warszawy-Woli w Warszawie (District Court for Warszawa-Wola, Warsaw, Poland)
Applicants: A; G.W.; E.S.
Defendants: O; A. Towarzystwo Ubezpieczeń Życie S.A
Rapporteur: L.S. Rossi
Advocate General: M. Bobek
Bench: 5 judges
A. Prechal, J. Passer, F. Biltgen, L.S. Rossi, N. Wahl
Language: Polish
Official: CURIA · EUR-Lex 62020CJ0143

Topics

Consumer protection Freedom of establishment Freedom to provide services Free movement of capital

History · 1 version

24 Feb 2022Reading

Connections

Interprets 2: Directive 2005/29/EC2 provisions; Directive 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assurance
Cited by 3: K.D. v Towarzystwo Ubezpieczeń Ż S.A (C-208/21)4 provisions; Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV v TC Medical Air Ambulance Agency GmbH (C-633/20); SRS and AA v Minister for Justice and Equality (C-22/21)
Cites 24: Treaty on the Functioning of the European Union (consolidated 2016); Directive 2014/65/EU; Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments amending Council Directives 85/611/EEC and 93/6/EEC and Directive 2000/12/EC of the European Parliament and of the Council and repealing Council Directive 93/22/EEC; Directive 2005/29/EC; Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II) (recast) (Text with EEA relevance); Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (recast); Directive 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assurance; Autorità Garante della Concorrenza e del Mercato v Wind Tre SpA and Vodafone Italia SpA (C-54/17, C-55/17); Komisia za zashtita na potrebitelite v Evelina Kamenova (C-105/17); RLvS Verlagsgesellschaft mbH v Stuttgarter Wochenblatt GmbH (C-391/12); Directive 2002/92/EC of the European Parliament and of the Council of 9 December 2002 on insurance mediation; BKK Mobil Oil Körperschaft des öffentlichen Rechts v Zentrale zur Bekämpfung unlauteren Wettbewerbs eV (C-59/12); Republiken Polen v PL Holdings Sàrl (C-109/20); Abcur AB v Apoteket Farmaci AB and Apoteket AB (C-544/13, C-545/13); Länsförsäkringar Sak Försäkringsaktiebolag and Others v Dödsboet efter Ingvar Mattsson and Länsförsäkringar Sak Försäkringsaktiebolag (C-542/16); Barbara Rust-Hackner and Others v Nürnberger Versicherung Aktiengesellschaft Österreich and Others (C-355/18, C-356/18, C-357/18, C-479/18); Nationale-Nederlanden Levensverzekering Mij NV v Hubertus Wilhelmus van Leeuwen (C-51/13); Walter Endress v Allianz Lebensversicherungs AG (C-209/12); Ángel Lorenzo González Alonso v Nationale Nederlanden Vida Cía de Seguros y Reaseguros SAE (C-166/11); „Gelvora“ UAB v Valstybinė vartotojų teisių apsaugos tarnyba (C-357/16); Axa Royale Belge SA v Georges Ochoa and Stratégie Finance SPRL (C-386/00); CA Consumer Finance SA v Ingrid Bakkaus and Others (C-449/13); "Litaksa" UAB v "BTA Insurance Company" SE (C-556/13); Dyson Ltd and Dyson BV v BSH Home Appliances NV (C-632/16)