Consumer Insurance Contracts Act 2019

An incomplete version of this Act in PDF format was published on this page from 14 to 23 January 2020 (inclusive). The correct version is now available.


Number 53 of 2019



1. Interpretation

2. Scope of Act

3. Amendment of Schedule 2 to Central Bank Act 1942

4. Amendment of section 60 of Financial Services and Pensions Ombudsman Act 2017

5. Regulations and codes of practice

6. Effect of codes of practice

7. Insurable interest

8. Pre-contractual duties of consumer and insurer

9. Proportionate remedies for misrepresentation

10. Provision of information relevant to contract of insurance and interpretation of certain terms

11. Right to withdraw from contract of insurance by notice: cooling-off period

12. Renewal of contract of insurance

13. Cancellation of contract of insurance

14. Duties of consumer and insurer at renewal

15. Post-contractual duties of consumer and insurer

16. Claims handling: duties of consumer and insurer

17. Limitations on deferring payment of claim until completion of works, etc., in case of property contracts

18. Proportionate remedies and claims handling

19. Representations by consumer and terms that reduce the risk being underwritten (replacing insurance warranties)

20. Unfair or onerous terms

21. Right of third party to claim against insurer

22. Supplemental provisions in relation to section 21

23. Subrogation: modification in family and personal relationships and in employment

24. Subrogation: distribution of recovered funds

25. Contracts affecting subrogation and third parties

26. Effect of failure to comply with Act

27. Short title and commencement

Acts Referred to

Central Bank Act 1942 (No. 22)

Civil Liability Act 1961 (No. 41)

Civil Liability and Courts Act 2004 (No. 31)

Civil Partnership and Certain Rights and Obligations of Cohabitants Act 2010 (No. 24)

Companies Act 2014 (No. 38)

Courts of Justice Acts 1924 to 2014

Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016 (No. 4)

Data Protection Acts 1988 to 2018

Employment Equality Act 1998 (No. 21)

Financial Services and Pensions Ombudsman Act 2017 (No. 22)

Health Insurance Act 1994 (No. 16)

Life Assurance Act 1774 (14 Geo 3, c. 48)

Life Insurance (Ireland) Act 1866 (29 & 30 Vict., c. 42)

Marine Insurance Act 1906 (8 Edw. 7 c. 41)


Number 53 of 2019


An Act to reform the law of consumer insurance contracts and to provide for related matters.

[26th December, 2019]

Be it enacted by the Oireachtas as follows: