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81 I VVG (German Insurance Contract Act) states that the insured loses any insurance benefit if he acted with intent whereas 81 II VVG only gives a pro rata reduction in case of gross negligence
A questionnaire which was drawn up by a policyholder's broker and also answered by the broker is not regarded as a questionnaire of the insurer within the meaning of section 19 paragraph 1 of the German Insurance Contract Act ("VVG"
Under section 31 of the German Insurance Contract Act ("VVG") the policyholder has to provide information to the insurer, but only insofar as the insurer has requested such information
