Mr. Antoine MacDonncha:

It is very difficult to generalise. If there is a liability towards an individual in his or her personal capacity, then that liability will be met by the fund. If there is a liability due from an individual, that liability can also be met from the fund up to the limits that apply and subject to the exceptions that apply.

In the Deputy's example, he said he owned a company but was insuring a van in his own name or in a personal capacity. In that circumstance, the insurance fund would pay out for the wall. If the Deputy does not have comprehensive insurance, obviously it will not pay out for him.