Article 807 of Civil Code

Actions arising from an insurance contract shall be time-barred upon the expiry of three years from the occurrence of the event giving rise to those actions, unless the law provides otherwise. Nevertheless, the period shall not run: a) In the case of concealment of information relating to the insured risk, or provision of incorrect or inaccurate information concerning that risk, except from the day on which the insurer became aware thereof. b) In the case of occurrence of the insured event, except from the day on which the persons concerned became aware of its occurrence. c) Where the cause of the insured's action against the insurer arises from recourse by a third party against him, except from the day on which that third party brings an action against the insured or from the day on which the third party receives compensation from the insured.