{
  "url": "https://openlegislation.uk/employment-and-support-allowance-regulations-northern-ireland-2008/schedule-8/paragraph-32",
  "json_url": "https://openlegislation.uk/employment-and-support-allowance-regulations-northern-ireland-2008/schedule-8/paragraph-32.json",
  "legislation": "nisr/2008/280",
  "legislation_title": "The Employment and Support Allowance Regulations (Northern Ireland) 2008",
  "legislation_url": "https://openlegislation.uk/employment-and-support-allowance-regulations-northern-ireland-2008",
  "path": "schedule/8/paragraph/32",
  "kind": "paragraph",
  "number": "32",
  "heading": null,
  "text": "(1) Subject to sub-paragraph (2), any payment received under an insurance policy, other than an insurance policy referred to in paragraph 30, taken out to insure against the risk of being unable to maintain repayments under a regulated agreement as defined for the purposes of the Consumer Credit Act 1974 or under a hire-purchase agreement or a conditional sale agreement as defined for the purposes of Part 6 of the Hire-Purchase Act (Northern Ireland)1966.\n(2) A payment referred to in sub-paragraph (1) is to only be disregarded to the extent that the payment received under that policy does not exceed the amounts, calculated on a weekly basis which are used to—\n(a) maintain the repayments referred to in sub-paragraph (1); and\n(b) meet any amount due by way of premiums on that policy.",
  "extent": "N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "I",
      "label": "I1",
      "text": "Sch. 8 para. 32 in operation at 27.10.2008, see reg. 1(1)"
    },
    {
      "type": "footnote",
      "label": "f1",
      "text": "1974 c. 39"
    },
    {
      "type": "footnote",
      "label": "f2",
      "text": "1966 c. 42 (N.I.); Part 6 was substituted by paragraph 49 of Schedule 4 to the Consumer Credit Act 1974 (c. 39)"
    }
  ],
  "outstanding_effects": [
    {
      "type": "inserted",
      "affecting": "nia/2026/9",
      "affecting_title": "Inquiry (Mother and Baby Institutions, Magdalene Laundries and Workhouses) and Redress Scheme Act (Northern Ireland) 2026"
    },
    {
      "type": "words substituted",
      "affecting": "nia/2026/9",
      "affecting_title": "Inquiry (Mother and Baby Institutions, Magdalene Laundries and Workhouses) and Redress Scheme Act (Northern Ireland) 2026"
    },
    {
      "type": "words substituted",
      "affecting": "nia/2026/9",
      "affecting_title": "Inquiry (Mother and Baby Institutions, Magdalene Laundries and Workhouses) and Redress Scheme Act (Northern Ireland) 2026"
    },
    {
      "type": "words substituted",
      "affecting": "nia/2026/9",
      "affecting_title": "Inquiry (Mother and Baby Institutions, Magdalene Laundries and Workhouses) and Redress Scheme Act (Northern Ireland) 2026"
    },
    {
      "type": "words substituted",
      "affecting": "nia/2026/9",
      "affecting_title": "Inquiry (Mother and Baby Institutions, Magdalene Laundries and Workhouses) and Redress Scheme Act (Northern Ireland) 2026"
    },
    {
      "type": "words substituted",
      "affecting": "nia/2026/9",
      "affecting_title": "Inquiry (Mother and Baby Institutions, Magdalene Laundries and Workhouses) and Redress Scheme Act (Northern Ireland) 2026"
    },
    {
      "type": "inserted",
      "affecting": "nisr/2026/181",
      "affecting_title": "The Social Security (Income and Capital Disregards) (Amendment) Regulations (Northern Ireland) 2026"
    },
    {
      "type": "words inserted",
      "affecting": "nisr/2026/181",
      "affecting_title": "The Social Security (Income and Capital Disregards) (Amendment) Regulations (Northern Ireland) 2026"
    }
  ],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/nisr/2008/280/schedule/8/paragraph/32",
    "retrieved_at": "2026-11-12T03:38:16.781320+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}