Consumer Insurance Contracts Act 2019


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

10. (1) Within a reasonable time after concluding a contract of insurance, the insurer shall, where such is relevant to the particular contract, provide the consumer on paper or another durable medium with the completed application or proposal form.

(2) Where there is an ambiguity or doubt about the meaning of a term in any document referred to in subsection (1), the rule of law applicable to contracts of insurance, namely that the interpretation most favourable to the consumer, or beneficiary, as appropriate, shall prevail, applies.


Modifications (not altering text):


Reference to "insurer" construed in limited circumstances (8.07.2022) by Insurance (Miscellaneous Provisions) Act 2022 (11/2022), s. 10(2), S.I. No. 346 of 2022, art. 3.

Amendment of Central Bank Act 1942

10. ...

(2) With respect to the amendment effected to the Central Bank Act 1942 by subsection (1), and that amendment only and so as not to affect the operation of the general law specified in subsection (3), where a reference occurs in section 10, 11, 12, 13, 14, 16, 16A or 16B of the Act of 2019 to “insurer”, that reference shall be construed, where an insurance intermediary is acting on behalf of an insurer, as including a reference to the insurance intermediary.

(3) The general law referred to in subsection (2) is the general law whereby an act or omission done or made by an agent, such as an insurance intermediary, on behalf of an insurer is regarded as an act or omission done or made by the insurer.