Case C-442/12: Judgment of the Court (Eighth Chamber) of 7 November 2013 (request for a preliminary ruling from the Hoge Raad der Nederlanden — Netherlands) — Jan Sneller v DAS Nederlandse Rechtsbijstand Verzekeringsmaatschappij NV (Legal expenses insurance — Directive 87/344/EEC — Article 4(1) — Insured persons’ freedom to choose a lawyer — Clause in the standard terms and conditions of a contract guaranteeing legal assistance in any inquiry or proceedings by one of the insurer’s employees — Costs relating to legal assistance provided by an external legal adviser reimbursed only where the insurer decides that it is necessary to entrust handling of the case to an external legal adviser)