Kernrechtsfrage
Whether a new tariff convention may apply retroactively to insured persons without an express retroactivity clause.
Extrahierter Entscheid
A new tariff convention cannot produce retroactive effects for insured persons unless retroactivity is expressly provided.
Extrahierte Begründung
The court relied on the requirement of legal certainty and good faith in tariff-based insurance coverage: absent an explicit clause, a later convention governs only prospectively.