Article 963. Consequences of the insured event due to the fault of the insured, beneficiary or insured person.

1. The insurer shall be exempt from the payment of insurance compensation or the sum insured if the insured event occurred due to the intent of the insured, beneficiary or insured person, except for the cases provided for in paragraphs 2 and 3 of this article. The law may provide for cases when an insurer is exempted from paying insurance indemnity under property insurance contracts in the event of an insured event due to gross negligence of the insured or beneficiary. 2. The insurer shall not be exempt from the payment of insurance compensation under a civil liability insurance contract for causing harm to life or health if the harm is caused through the fault of the person responsible for it. 3. The insurer shall not be exempted from the payment of the insurance amount, which under the personal insurance contract is payable in the event of the death of the insured person, if his death was due to suicide and by that time the insurance contract was valid for at least two years.

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References to other articles of chapter 48. Insurance:
Article 927. Voluntary and compulsory insurance.
Article 928. Interests whose insurance is not allowed.
Article 929. Property insurance contract.
Article 930. Property insurance.
Article 931. Insurance of liability for causing harm.
Article 932. Liability insurance under the contract.
Article 933. Insurance of business risk.
Article 934. The contract of personal insurance.
Article 935. Compulsory insurance.
Article 936. Implementation of compulsory insurance.
Article 937. Consequences of violation of the rules on compulsory insurance.
Article 938. Insurer.
Article 939. Fulfillment of obligations under an insurance contract by the insured and beneficiary.
Article 940. The form of the insurance contract.
Article 941. Insurance under the general policy.
Article 942. The essential terms of the insurance contract.
Article 943. The definition of the terms of the insurance contract in the rules of insurance.
Article 944. Information provided by the policyholder upon entry into the insurance contract.
Article 945. The right of the insurer to assess the insured risk.
Article 946. The secret of insurance.
Article 947. Sum Insured.
Article 948. Challenging the insurance value of the property.
Article 949. Incomplete property insurance.
Article 950. Additional property insurance.
Article 951. Consequences of insurance beyond the insured value.
Article 952. Property insurance against various insurance risks.
Article 953. Insurance.
Article 954. Insurance premium and insurance premiums.
Article 955. Replacement of the insured person.
Article 956. Replacement of the beneficiary.
Article 957. Commencement of the insurance contract.
Article 958. Early Termination of the Insurance Contract
Article 959. Consequences of an increase in insurance risk during the term of the insurance contract.
Article 960. Transfer of rights to the insured property to another person.
Article 961. Notification of the insurer of the occurrence of the insured event.
Article 962. Reduction of losses from the insured event.
Article 964. Grounds for exemption of the insurer from the payment of insurance compensation and the sum insured.
Article 965. Transfer to the insurer of the rights of the policyholder for damages (subrogation).
Article 966. Limitation of actions on claims related to property insurance.
Article 967. Reinsurance.
Article 968. Mutual insurance.
Article 969. Mandatory state insurance.
Article 970. Application of general rules on insurance to special types of insurance.