ON THE INSURED'S DUTY TO INFORM

One of the most important duties of insured in the insurance contract, is to inform the insurer, fully and accurately. This obligation arises in three stages:before conclusion of contract, during the contract and after occurrence of the insured event. The review shows that the insured’s duty before conclusion of contract is reduced from a primary obligation to a secondary one. This means that insured is under duty to inform insurer only toward his clear questions. In addition, this duty will be continued after conclusion of contract if new circumstances lead to aggravation of risk or realization of a new risk. Finally after occurrence of the insured event it appears as a duty to declare the insured event. The article examines the obligation in these three phases with a comparative view.