(1) After submitting his or her contractual acceptance, the policyholder may not aggravate the risk insured, or permit its aggravation by a third party, without the consent of the insurer.
(2) If the policyholder recognises after the fact that he or she has aggravated or permitted an aggravation of the risk insured without the consent of the insurer, he or she must disclose the aggravation of the risk insured to the insurer without undue delay.
(3) If, after the policyholder has submitted his or her contractual acceptance, an aggravation of the risk insured occurs in derogation from his or her intention, he or she must disclose the aggravation to the insurer without undue delay as soon as he or she has learned thereof.