The court emphasised that in this case it was necessary to analyse two things. Firstly, whether the plaintiff had an option to choose a different insurance protection, under which theft of a vehicle with its registration documents remaining inside would be an insured event and, secondly, whether the insurance premium payed by the plaintiff was affected by the scope of the insurance protection. If the plaintiff had a possibility to determine the economic benefit of the given insurance plan and select from different types of insurance protection, then this provision would fall outside the scope of Directive 93/13/EEC. If the consumer did not have such a choice, i.e. the provision at hand did not influence the premium paid by the consumer, the provision would have to be considered in the light of Directive 93/13/EEC.