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the task of this article is to provide some commentary on two well-known subjects of insurance contract law which are dealt with in the Principles of European insurance contract law. there is no necessary connection between the two subject matters, although in many national legal systems they are linked. The first topic is the well known problem of the pre-contractual duty on the applicant to provide information (i. e., the duty of disclosure or ‘l’obligation de déclaration du risque’). the second topic is the change of the degree or level of risk in the course of the lifetime of the contract, a subject matter which is mostly addressed from the angle of the ‘aggravation’ of the insured risk, and which is often thought to be another aspect of the policy-holder’s information-providing duty, which is supposed to extend beyond the moment of the conclusion of the contract. it is proposed to begin by discussing the pre-contractual information duties of the applicant. No lengthy explanations are needed in order to convince anyone of the importance which this issue has always had in the development of insurance contract law, of its importance in the day-to-day practice of insurance litigation, and of the continuing pivotal role that this issue plays in new laws concerning insurance contracts. the practical importance of the subject matter is emphasised here because in the past the issue of ‘réticences et fausses déclarations’ has played an important role in so much case-law between parties to insurance contracts. One cannot but observe with 10.1007/s12027-008-0078-z

The Principles of European Insurance Contract Law: the Duty of Disclosure and the Aggravation of Risk