This article analyzes the concept of an „insurance contract" in the context of conflict of laws, with particular emphasis on European Union insurance directives. The author examines the role of these directives in determining the law applicable to insurance contracts, including the qualification of the concept of an „insurance contract", as well as reinsurance, co-insurance, surety insurance and group pension insurance contracts. The study indicates the significant role of directives in harmonizing the conflict of laws rules for insurance contracts in EU Member States.