(1) The policyholder informs the insurer without delay of any change in the risk insured.
(2) Where the policyholder has not informed the insurer of an aggravation of the risk insured, the insurer is not liable if the insured event occurs after the time when the insurer should have received the notification. He or she is only obliged to effect payment
1. if he or she knew about the aggravation of the risk insured at such time as he or she should have been notified thereof,
2. if the duty of disclosure was breached neither intentionally, nor by acting with gross negligence, or
3. insofar as the aggravation of the risk insured was not the cause of the occurrence of the insured event or the extent of the liability.
(3) In derogation from section 24, the insurer is not entitled to terminate the contract on account of an aggravation of the risk insured.