Court of Justice 20 November 1986, 45/85 (Verband der Sachversicherer e.V. v Commission of the European Communities.)

Opinion of the Advocate-General Opinion of the Advocate-General ++++ Mr President, Members of the Court, 1 . Every contract of insurance is based on the promise made by the insurer that he will indemnify the person insured should the event occur against which he has insured himself by payment in advance of a premium .