Mr. Ger Deering:

As the Deputy knows I have only taken over as Pensions Ombudsman in the past couple of months. I have not come across those cases where that provision has been used yet. I would be happy to provide anonymised case studies to the committee where it has been used.

In the case the Deputy has outlined, I accept that a provider might make that argument. However, if a person became aware today that they were being refused a policy that they believed covered what they purchased at the time, for me the trigger is the day on which they find out they cannot access that policy.