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Article L113-8 of the French Insurance Code

Independently of the ordinary grounds for nullity, and subject to the provisions of article L. 132-26, the insurance contract is null and void in the event of concealment or intentional misrepresentation on the part of the insured, when this concealment or misrepresentation changes the subject of the risk or reduces the insurer’s opinion of it, even though the risk omitted or misrepresented by the insured had no influence on the loss.

The premiums paid shall then remain the property of the insurer, who shall be entitled to payment of all premiums due by way of damages.

The provisions of the second paragraph of this article do not apply to life insurance.

Original in French 🇫🇷
Article L113-8

Indépendamment des causes ordinaires de nullité, et sous réserve des dispositions de l’article L. 132-26, le contrat d’assurance est nul en cas de réticence ou de fausse déclaration intentionnelle de la part de l’assuré, quand cette réticence ou cette fausse déclaration change l’objet du risque ou en diminue l’opinion pour l’assureur, alors même que le risque omis ou dénaturé par l’assuré a été sans influence sur le sinistre.

Les primes payées demeurent alors acquises à l’assureur, qui a droit au paiement de toutes les primes échues à titre de dommages et intérêts.

Les dispositions du second alinéa du présent article ne sont pas applicables aux assurances sur la vie.

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