Michael D'Arcy (Wexford, Fine Gael) | Oireachtas source

This is the nub of the Bill. It is the rebalancing of the power between the consumer and the insurer. This will be a positive aspect of it. Anybody who buys an insurance policy receives pages and pages of documentation.

However, the liability all falls on the consumer if there is an issue. This rebalances it so that it is the insurer who has to ask the appropriate questions because the insured person, the consumer, may not have the knowledge and skill set or abilities to know how to give the correct answer. This is the nub of it.