Pearse Doherty (Donegal, Sinn Fein)
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I appreciate that but for clarity, there was a word which slipped which was quite significant regarding when the clock starts ticking. The Minister of State said it was when one takes the policy out. From the legal opinion received by the Department, is it that a contract entered into a number of years ago that is renewed consecutively is not a single contract of consecutive terms? This would mean the clock does not start ticking when the contract was taken out initially but that the consumer is entering into a new contract each year so that the time the clock starts ticking under this legislation is the last time the contract was renewed.