If the contract is concluded by a person representing the policyholder, both the representative’s knowledge and fraudulent conduct, as well as the policyholder’s knowledge and fraudulent conduct, are taken into account in the application of section 19 (1) to (4) and section 21 (2) sentence 2, and subsection (3) sentence 2. The policyholder may only invoke the duty of disclosure not having been breached intentionally or with gross negligence if neither the representative nor the policyholder has incurred responsibility for intent or gross negligence.