Article 1839. Exclusion of liability for breach of duty of disclosure

The sanctions provided for in Article 1838 shall not apply in respect of:
a) a question which was unanswered, or information supplied which was obviously incomplete or incorrect;
b) information which should have been disclosed or information inaccurately supplied, which was not material to a reasonable insurer’s decision to enter into the contract at all, or to do so on the agreed terms;
c) information which the insurer led the policyholder to believe did not have to be disclosed;
d) information of which the insurer was or should have been aware.