B3-1 Duties of disclosure of you or your representative up to conclusion of the contract, Accident Basis

B3-1.1 Completeness and accuracy of information about circumstances material to the risk Up to the point at which you make your contractual declaration you must disclose to us all circumstances material to the risk known to you about which we have asked in text form (for example email, fax or letter) and which are material to our decision to conclude the contract with the agreed content. This duty of disclosure also applies where, after your contractual declaration but before acceptance of the contract, we ask you questions within the meaning of sentence 1 in text form. Where the contract is concluded by a representative of yours, both the knowledge and fraudulent intent of the representative and your own knowledge and fraudulent intent must be taken into account in applying paragraph 1 and B3-1.2. You can rely on the duty of disclosure not having been breached intentionally or through gross negligence only if neither you nor your representative is guilty of intent or gross negligence.