Business and insurance claims
The Chair outlines the rules for questions on promised legislation. Deputy Doherty raises business interruption insurance claims under the Consumer Insurance Contracts Act, and the Tánaiste says he will check with Finance and reply later.
Leaders' Questions have concluded almost miraculously on time. Before proceeding to questions on promised legislation, I wish to make a few housekeeping points. I am conscious of the fact that we have many new Members so I remind you that we have 30 minutes for this business. The questions should be on promised legislation or the programme for Government, nothing else. The selection of Deputies is based on the leaders of parties and groups as per the rota followed by everybody else on a first come, first served basis. Deputy Durkan was in the Chair yesterday and was subject to some pressure from Members who were unhappy. Today, I have 52 names before me, 26 carried forward from yesterday and 26 that were given today. Whether Members write to me, email me, come to the platform and give me their names or send me a smoke signal, I will not be able to call all 52 Members, and unless the Members who are called adhere to the timeline, I will be able to call even fewer.
I call Deputy Doherty.
Comment on this
On 26 December last year, President Higgins signed a Bill I sponsored into law, the Consumer Insurance Contracts Act 2019, three years after I initiated it in the House. It was passed unanimously on all Stages in the Dáil and Seanad. It was described as a game changer by the Alliance for Insurance Reform and by others as the most radical change in insurance law in this century. It shifted the balance away from the insurance companies in favour of the consumer. The Tánaiste will be aware that hundreds, if not thousands, of people have made claims in respect of business interruption insurance. Many have been forced to go to the courts to vindicate their rights under their contracts, which are being disputed by the insurance companies. My legislation would have cleared much of this up because there is a section in the Bill which provides that any ambiguity in contracts must be interpreted in favour of the consumer.
The Minister for Finance engaged with major insurers at the start of the year. They told him they did not want the Bill to be implemented at this time, despite it being passed unanimously by the Houses and it being over three years since it was introduced. He decided not to implement the Bill. Some 10,000 people have signed a petition calling for it to be implemented and thousands of businesses need it. When will all sections of the Bill be implemented by the Government?