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ARTICLE · 13 MAY 2026

Section 18(4) CICA Commenced: Impact On Co-Insured Claims

Dillon Eustace
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While most provisions of CICA were commenced in phases during 2020 and 2021 (see our earlier briefings on CICA commencement here and here), section 18(4) remained uncommenced and was subsequently...

IrelandInsurance
Rachel Halligan
Rachel Halligan
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Section 18(4) of the Consumer Insurance Contracts Act 2019 (CICA) has now been brought into effect.

While most provisions of CICA were commenced in phases during 2020 and 2021 (see our earlier briefings on CICA commencement here and here), section 18(4) remained uncommenced and was subsequently amended by section 9 of the Insurance (Miscellaneous Provisions) Act 2022 (2022 Act) (see our earlier briefing on the 2022 Act here). Following these amendments, the provision has now commenced with effect from 13 May 2026, pursuant to SI 203 of 2026.

Purpose of Section 18(4)

Section 18 contains provisions on proportionate remedies and claims handling. Subsection 18(4) is intended to provide protection, in contracts of insurance involving two or more consumer co-insureds, to an innocent co-insured where another co-insured has caused damage to the insured property through a criminal or intentional act or omission.

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