Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Will the Minister of State also clarify whether consumers have 20 days' notice in respect of changes to terms and conditions under the amendment as opposed to in respect of the premium? Is a renewal with a different premium considered a change to the terms and conditions or is there an opt-out under this legislation as amended? Could an insurer say that it had not changed the terms and conditions in respect of a motor insurance policy so there was no onus on it to comply with the 20-day provision?