A decision of the Court of Justice of the European Union (CJEU) delivered on 23 April 2015 (case C-96/14) (a) highlights the importance of ensuring that plain, intelligible language is used in consumer insurance contracts and (b) provides guidance as to how this may be interpreted where the insurance contract forms part of a wider contractual framework (e.g. insurance taken out in connection with a loan).  Terms in insurance contracts which define/restrict the insured risk or scope of cover cannot generally be challenged on the basis that they are unfair under the Directive 93/13/EEC as long as they are drafted in plain, intelligible language.  According to the CJU, a term is not necessarily 'plain and intelligible' if it is clear/unambiguous in its grammar or form.  Instead, the CJEU held that the crucial factor is that the contract clearly sets out how the specific insurance arrangements work and how they relate to the wider contractual framework, so that the consumer can evaluate the possible economic consequences of the term.  Interestingly, the CJEU was also of the view that, where an insurance contract is taken out in conjunction with a loan, a consumer cannot be expected to have the same degree of vigilance regarding scope of coverage as would be expected in circumstances where the insurance and loan contracts are concluded separately.