Request for a preliminary ruling from the Landgericht Hamburg (Germany) lodged on 22 November 2012 — Andrea Lange v ERGO Lebensversicherung AG

(Case C-529/12)

2013/C 38/13

Language of the case: German

Referring court

Landgericht Hamburg

Parties to the main proceedings

Applicant: Andrea Lange

Defendant: ERGO Lebensversicherung AG

Question referred

Must the first indent of Article 15(1) of Council Directive 90/619/EEC of 8 November 1990 (1), having regard to Article 31(1) of Council Directive 92/96/EEC of 10 November 1992 (2), be interpreted as precluding a provision — such as the fourth sentence of Paragraph 5a(2) of the Versicherungsvertragsgesetz (Law on insurance contracts) in the version of the Drittes Gesetz zur Durchführung versicherungsrechtlicher Richtlinien des Rates der Europäischen Gemeinschaften (Third Law implementing directives of the Council of the European Communities on insurance law) of 21 July 1994 — under which a right of cancellation lapses one year at the latest after payment of the first premium even if the policy-holder has not been informed about the right of cancellation?

(1)  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)

(2)  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)