Produced by the Office of the Attorney General
Táirgthe ag Oifig an Ard-Aighne
Number 53 of 2019
CONSUMER INSURANCE CONTRACTS ACT 2019
CONTENTS
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)
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:
