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If you do not meet the definition of a consumer as set out below, the Consumer Insurance Contracts Act 2019 does not apply to you. In particular, this means that the principle of utmost good faith applies to you as well as there being a duty on you to disclose all material facts to us.


Duty of Disclosure

It is your responsibility to provide complete and accurate information to us, at every stage of the relationship. It is important that you ensure all statements that you make to us are true and accurate and that you fully disclose all material information. If you do not do so, your Insurer may be able to void your insurance policy from inception or refuse a claim. We cannot be held responsible for your failing to disclose relevant information when requested to do so. We are entitled to rely on the information that you have disclosed to us and cannot be held responsible for any consequences arising from the information held on your file becoming inaccurate due to a change in your circumstances if you fail to inform us of such changes.


Definition of a Consumer

“consumer” means any of the following:

1. a person or group of persons, but not an incorporated body with an annual turnover in excess of €3 million in the previous financial year (for the avoidance of doubt a group of persons includes partnerships and other unincorporated bodies such as clubs, charities and trusts, not consisting entirely of bodies corporate); or

2. incorporated bodies having an annual turnover of €3 million or less in the previous financial year (provided that such body shall not be a member of a group of companies having a combined turnover greater than the said €3 million);
and includes where appropriate, a potential ‘consumer’ (within the meaning above);

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