Article
Consumer Insurance Contracts Act 2019: What Section 18(4) Means For Insurers In Ireland
Ireland's Consumer Insurance Contracts Act 2019 has reached full implementation with the commencement of section 18(4) on 13 May 2026, introducing new protections for innocent co-insureds affected by criminal or intentional acts of other policyholders. This final provision requires insurers to conduct individual factual assessments of each co-insured's knowledge and consent before applying criminal act exclusions, fundamentally changing how claims involving fraudulent co-insureds are handled.
Matheson