Violation of obligations

Information on the consequences in case of any violation of obligations after the event insured against (section 28, para. 4 of the Act on Insurance Contracts).

Obligation to provide information and clarification

Information on the obligation to tell the truth, on the obligation to provide information and clarification, and on the presentation of supporting documents:

Based on the contractual agreements made between you and us, we are entitled to request that you - after occurrence of an event insured against - provide us, truthfully and in due time, with any and all information we require in order to establish the circumstances of such event or the scope of our obligation to pay benefits and that you enable us to verify our obligation to pay benefits by doing any and all reasonable acts and things to help us clarify the facts of the case. We shall be entitled to demand that you present us, in due time, with any and all supporting documentation we reasonably request.

Release from the obligation to perform

If you intentionally make false or untrue statements or if you intentionally violate your obligations to provide information, clarification or to present supporting documents, you shall lose your entitlement to receive insurance benefits. Should you violate any of those obligations through gross negligence, we shall be entitled to reduce our payments on a pro rata basis in relation to the severity of your fault, up to 100% of the claim. No such reduction shall be made in case you are able to prove that you did not violate such obligation through gross negligence.

However, we shall remain obliged to perform despite your violation of the obligations to provide information, clarification or to present supporting documents to the extent you are able to prove that the violation of obligations through intentional act or gross negligence was neither the cause for the occurrence of the event insured against nor for the establishment or the scope of our obligation to perform. Should you violate your obligation to provide information, clarification or to present supporting documents through a fraudulent act, we shall be released from our obligation to perform in any case.

If any third party is entitled to contractual performance in your stead, such third party shall be obliged to provide information, clarification or to present supporting documents, as well.