An insurer may not, despite article 2474, be subrogated to the rights of any of the following persons against another such person:

1° the syndicate;

2° a co-owner;

3° a person who is a member of a co-owner's household; or

4° a person in respect of whom the syndicate is required to enter into an insurance contract to cover the person's liability.

An exception to this rule applies in the case of bodily or moral injury or if the injury is due to an intentional or gross fault.