All insurance contracts taken out for the application of Title IV of Book II of this Code must include the clauses set out :
Annexes I and III to this article, as regards liability insurance ;
Annex II to this article, in respect of damage insurance.
No other clause in the contract may have the effect of altering in any way the content or scope of these clauses, unless it applies exclusively to cover which is broader than that provided for in Title IV of Book II of this Code.