Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

Yes, but the Minister of State has already read into the record his note on the remainder of the amendments. On amendment No. 21, the key point is that the breach has to be relevant and, in effect, the suspension of the liability should not be allowed unless it is relevant and unless, as provided for in the Bill, the risk of a loss has occurred. If the breach has not increased the risk of a loss occurring then it would not be sufficient grounds for the suspension of the liability on the part of the insurer. In other words, a technical breach that is not directly relevant in practical terms and did not increase the risk of a loss event occurring is not sufficient grounds for a suspension of the liability of the insurance company. This is a sensible change and I support that amendment.

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