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.