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Declined Cases Agreement

What can I do if I am unable to obtain motor insurance? 

Insurance Ireland operates a Declined Cases Agreement, which is adhered to by all motor insurers in Ireland.

Under the agreement, the insurance market will not refuse to provide insurance to an individual seeking insurance, if he/she has approached at least three insurers and has not been able to obtain cover from them.  In general, the insurer first approached will be required to provide the individual with a quote.  It is therefore important that the proposer keeps a careful note of the order in which he/she approached each of the three companies.

Where an individual has held a policy within the previous three years, the insurance company concerned is obliged to provide the individual with a quotation.  Again this is subject to the proviso that refusals have been received from three insurers (of which the previous insurer may be one).

The only grounds on which an insurer can refuse cover are where to provide insurance would be contrary to public interest.

The agreement is administered by a Committee made up of representatives of each of the companies who have signed the agreement. The Committee also includes a representative of the Consumers’ Association of Ireland and the Financial Services Ombudsman’s Bureau as external observers.  If it is impossible to identify which insurer was the first approached for a quote, then a rota of insurers comes into effect and the Committee allocates the risk to the next insurer on the rota.

The Committee can also decide whether a quote is so high or the terms so excessive as to make the quote tantamount to a refusal, in which case it will review the matter. 

For assistance regarding the Declined Cases Agreement, contact the Insurance Ireland’s Insurance Information Service - declined@insuranceireland.eu

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