I must now deal with a postponed division relating to the motion regarding insurance costs. On Tuesday, 30 September 2025, on the question, "That the motion be agreed to", a division was claimed and in accordance with Standing Order 85(2), that division must be taken now.
Insurance Costs: Motion (Resumed) [Private Members]
Debate resumed on the following motion:
That Dáil Éireann:
notes that:
— the Government have failed to end the rip-off when it comes to insurance costs;
— the increasing cost of motor insurance is putting many people under severe pressure in a cost-of-living crisis;
— the cost of motor insurance has increased at more than four times the general rate of inflation;
— people are now facing health insurance costs of roughly €2,000 every year, affecting almost 2.5 million people in this State, many of whom were already struggling to afford to keep their coverage;
— there has been a substantial decrease in median award value among motor, employer and public liability claims; and
— despite a drop in claim related costs, a survey of businesses and civil society organisations, conducted by the Alliance for Insurance Reform, found that the vast majority reported premium increases in the past two years and faced higher excesses, new exclusions, or both, meaning they are paying more for less cover;
regrets that:
— the Government have failed to get insurance costs under control;
— customers have not benefited in the form of reduced premiums as a result of reduced claims-related costs for insurance companies in the way they should;
— the Government has taken no meaningful action, despite extensive evidence that previous reforms have not been passed on; and
— insurance companies in this State are making profits far in excess of industry norms, at the expense of workers, families, businesses and community groups; and
calls on the Government to:
— address the disproportionate profits being made in the insurance sector;
— stand up to insurance companies to ensure fair and stable insurance prices;
— recognise the role that high insurance costs play in driving the cost-of-living crisis, both directly through higher premiums and indirectly by driving up the costs of businesses, public bodies, and civil society organisations;
— progress and enact the Judicial Council (Amendment) Bill 2021, to ensure the benefits of reforms are passed onto customers in the form of lower premiums, rather than captured as higher profits for insurance companies;
— ensure meaningful Oireachtas oversight in relation to Personal Injury Guidelines, to ensure adequate scrutiny prior to Government decisions; and
— confirm that any future policy change in relation to insurance must be conditional on benefits of both new and past reforms being passed on to customers through lower premiums.
- [Deputy Pearse Doherty]
Question put:
The Dáil divided: Tá, 60; Níl, 82; Staon, 0.
Tá
- Ahern, Ciarán.
- Bacik, Ivana.
- Brady, John.
- Buckley, Pat.
- Byrne, Joanna.
- Carthy, Matt.
- Clarke, Sorca.
- Conway-Walsh, Rose.
- Cronin, Réada.
- Crowe, Seán.
- Cullinane, David.
- Cummins, Jen.
- Daly, Pa.
- Devine, Máire.
- Doherty, Pearse.
- Ellis, Dessie.
- Farrelly, Aidan.
- Farrell, Mairéad.
- Fitzmaurice, Michael.
- Gannon, Gary.
- Gibney, Sinéad.
- Gould, Thomas.
- Guirke, Johnny.
- Healy, Seamus.
- Hearne, Rory.
- Kelly, Alan.
- Kenny, Martin.
- Kerrane, Claire.
- Lawless, Paul.
- Mac Lochlainn, Pádraig.
- McGettigan, Donna.
- McGuinness, Conor D.
- Mitchell, Denise.
- Murphy, Paul.
- Mythen, Johnny.
- Nash, Ged.
- Newsome Drennan, Natasha.
- Ní Raghallaigh, Shónagh.
- Nolan, Carol.
- O'Callaghan, Cian.
- O'Donoghue, Robert.
- O'Flynn, Ken.
- O'Hara, Louis.
- O'Rourke, Darren.
- Ó Broin, Eoin.
- Ó Laoghaire, Donnchadh.
- Ó Murchú, Ruairí.
- Ó Snodaigh, Aengus.
- Ó Súilleabháin, Fionntán.
- Quaide, Liam.
- Quinlivan, Maurice.
- Rice, Pádraig.
- Sheehan, Conor.
- Sherlock, Marie.
- Smith, Duncan.
- Stanley, Brian.
- Wall, Mark.
- Ward, Charles.
- Ward, Mark.
- Whitmore, Jennifer.
Níl
- Aird, William.
- Ardagh, Catherine.
- Boland, Grace.
- Brabazon, Tom.
- Brennan, Brian.
- Brophy, Colm.
- Browne, James.
- Burke, Colm.
- Burke, Peter.
- Butler, Mary.
- Butterly, Paula.
- Buttimer, Jerry.
- Byrne, Malcolm.
- Cahill, Michael.
- Callaghan, Catherine.
- Calleary, Dara.
- Canney, Seán.
- Carrigy, Micheál.
- Carroll MacNeill, Jennifer.
- Chambers, Jack.
- Cleere, Peter 'Chap'.
- Clendennen, John.
- Collins, Niall.
- Connolly, John.
- Cooney, Joe.
- Crowe, Cathal.
- Cummins, John.
- Currie, Emer.
- Daly, Martin.
- Dempsey, Aisling.
- Devlin, Cormac.
- Dillon, Alan.
- Dolan, Albert.
- Donohoe, Paschal.
- Feighan, Frankie.
- Fleming, Seán.
- Foley, Norma.
- Geoghegan, James.
- Grealish, Noel.
- Harris, Simon.
- Healy-Rae, Danny.
- Healy-Rae, Michael.
- Heydon, Martin.
- Higgins, Emer.
- Keogh, Keira.
- Lahart, John.
- Lawless, James.
- Lowry, Michael.
- McAuliffe, Paul.
- McCarthy, Noel.
- McConalogue, Charlie.
- McCormack, Tony.
- McEntee, Helen.
- McGrath, Séamus.
- McGreehan, Erin.
- Moran, Kevin Boxer.
- Moynihan, Aindrias.
- Moynihan, Michael.
- Moynihan, Shane.
- Murnane O'Connor, Jennifer.
- Murphy, Michael.
- Naughton, Hildegarde.
- Neville, Joe.
- O'Brien, Darragh.
- O'Callaghan, Jim.
- O'Connell, Maeve.
- O'Dea, Willie.
- O'Donnell, Kieran.
- O'Meara, Ryan.
- O'Shea, John Paul.
- O'Sullivan, Christopher.
- O'Sullivan, Pádraig.
- Ó Cearúil, Naoise.
- Ó Fearghaíl, Seán.
- Ó Muirí, Naoise.
- Richmond, Neale.
- Roche, Peter.
- Scanlon, Eamon.
- Smith, Brendan.
- Timmins, Edward.
- Toole, Gillian.
- Ward, Barry.
Staon
Tellers: Tá, Deputies Pádraig Mac Lochlainn and Denise Mitchell; Níl, Deputies Mary Butler and Emer Currie.
Question declared lost.
Is féidir teacht ar Cheisteanna Scríofa ar www.oireachtas.ie.
Written Answers are published on the Oireachtas website.
Cuireadh an Dáil ar athló ar 8.15 p.m. go dtí 8.47 a.m., Déardaoin, an 2 Deireadh Fómhair 2025.
The Dáil adjourned at 8.15 p.m. until 8.47 a.m. on Thursday, 2 October 2025.