John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Where a consumer is taking out an insurance policy and paying the premium, there is not that much difference in the amount involved year on year. I accept that increases are evident but the customer will have been with the company for a while. If there is a change in the policy - regardless of how big or how small - is the insurance company obliged to tell the customer? I have received a number of complaints regarding insurance policies that are not necessarily the policies originally taken out. There are certain subtle differences in how each section is worded or presented, which mean that a person is no longer covered for something for which he or she was covered in the beginning. Has Mr. Deering come across anything like that?