D
Duty of Disclosure
Your duty when seeking insurance to inform the insurer of every material fact which an insurer request. The duty arises when getting quotes for new insurance. It also applies if you look for a variation of cover and at renewal of your policy.
Declined Cases Agreement
An agreement among motor insurers, whereby motorists who experience difficulty obtaining motor insurance (after a minimum of three attempts) can apply for cover under the DCA programme as operated by Insurance Ireland.
Deductible
The amount of loss that is to be borne by the insured prior to being able to claim under a policy. It is more generally known as an “excess”.