The key reasons why Phase 2 of the Motor Third Party Liability insurance database, as outlined in the Cost of Insurance Working Group Report in January 2017, will not now be fully delivered until the end of 2020 are the following:
- Delivery has now been significantly expanded to cover details on all Private, Commercial and Fleet motor vehicle information within this timeframe.
- Delivery of the capability to capture and validate driver number details will require both an initial industry-wide start date for the collection of data for new policies and an extended period to allow for driver number details to be collected on normal renewals.
- Before insurance companies can start requiring customers to supply both their driver number details and those of their named drivers on the policy, amendments to the Road Traffic Acts will need to be in place.
- Mechanisms will have to be developed and agreed between all insurers and DTTAS Shannon for them to gain access to the NVDF to validate driver numbers.
Insurance Ireland and all the insurance companies operating in Ireland, working together with DTTAS, An Garda Síochána, and the MIBI, through the MTPL Insurance Database Project Board, have now structured the delivery of Phase 2 of the MTPL project into four sub-phases, namely:
- Delivery of all information currently covered by section 78(a) of the Road Traffic Act (2016) for both private and commercial vehicles, by end 2018.
- Delivery of driver number capture and validation capability, by end of 2019.
- Delivery of motor fleet information, by 2020.
- Delivery of all driver numbers for all drivers (following the completion of the required renewal cycles), by 2021.