http://www.legislation.gov.uk/eudr/2002/83/article/32/adoptedDirective 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assuranceDirective 2002/83/EC of the European Parliament and of the CouncilDirective 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assurance2020-12-12King's Printer of Acts of Parliamenthttps://webarchive.nationalarchives.gov.uk/eu-exit/https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32002L0083texttext/xmlen TITLE IIICONDITIONS GOVERNING THE BUSINESS OF ASSURANCECHAPTER 4CONTRACT LAW AND CONDITIONS OF ASSURANCELaw applicable Article 32 1 The law applicable to contracts relating to the activities referred to in this Directive shall be the law of the Member State of the commitment. However, where the law of that State so allows, the parties may choose the law of another country. 2 Where the policy holder is a natural person and has his/her habitual residence in a Member State other than that of which he/she is a national, the parties may choose the law of the Member State of which he/she is a national. 3 Where a State includes several territorial units, each of which has its own rules of law concerning contractual obligations, each unit shall be considered a country for the purposes of identifying the law applicable under this Directive. A Member State in which various territorial units have their own rules of law concerning contractual obligations shall not be bound to apply the provisions of this Directive to conflicts which arise between the laws of those units. 4 Nothing in this Article shall restrict the application of the rules of the law of the forum in a situation where they are mandatory, irrespective of the law otherwise applicable to the contract. If the law of a Member State so stipulates, the mandatory rules of the law of the Member State of the commitment may be applied if and in so far as, under the law of that Member State, those rules must be applied whatever the law applicable to the contract. 5 Subject to paragraphs 1 to 4, the Member States shall apply to the assurance contracts referred to in this Directive their general rules of private international law concerning contractual obligations.