(1) If the policyholder sells the insured object, the policyholder assigns to the buyer the rights and obligations resulting throughout the period of his or her ownership.
(2) The seller and the buyer are liable as joint and several debtors for the premium payable during the current period of insurance at such time as the seller assigns the rights to the buyer.
(3) The insurer must not accept the assignment against him or her until he or she has learned thereof.