Penalties applicable in case of misrepresentation. Any non-disclosure or deliberate misrepresentation by you in the statement of risk is punished by the policy being rendered null and void under the conditions set out in Articles L 113-8 and L 113-9 of the French Insurance code. · Any omission or inaccurate statement by you where bad faith has not been proven is punished pursuant to Article L 113-9 of the French Insurance Code: · if it is established before any claim: We are entitled: · either to continue the policy by increasing the premium, accepted by you, · or to terminate the policy within ten (10) days by registered letter, reimbursing the overpaid share of the premium. - if it is only established after the claim: we may reduce the compensation in proportion to the amount of the premium paid compared to the amount of the premium that would have been due if the risk had been declared fully and accurately. Any fraud, non-disclosure or deliberate misrepresentation by you about the circumstances or consequences of a claim will result in the loss of all entitlement to benefits or compensation for this claim.
