Mr. Ger Deering:

The example that comes to mind most readily would be that of someone who bought insurance 15 or 20 years ago and who claimed last week and then suddenly discovered it was not what he or she expected or that he or she was unable to make a claim. At that stage, the person certainly knows there is a problem. As currently proposed, the clock starts then and the person has three years from the date that the claim was rejected. I have to be careful here because each case needs to be considered in its own right. I am giving a fairly general example.