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Dáil Éireann - Private Members Business (Rural Independent Group)
Tuesday 27 February 2018

“That Dáil Éireann:

recognises that:

— it has been 19 months since the Government first established the Cost of Insurance Working Group and there has been no tangible progress in reducing insurance premiums;

— there are several barriers to obtaining motor insurance in Ireland;

— vehicles that are ten years old, but with a valid National Car Test certificate (NCT), are being deemed uninsurable;

— returning emigrants have difficulty obtaining insurance as driving experience from foreign countries such as the United States of America, Canada, Australia etc. is not taken into consideration;

— drivers with five penalty points are deemed uninsurable by a number of insurance companies, even if the points were gained over a three year period;

— insurance premiums are higher because of insurance fraud, which costs the industry over €200 million every year;

— since Insurance Confidential was established in 2003 by Insurance Ireland, over 9,000 new cases of suspected fraud have been received and investigated to date; and

— the total amount paid out in motor claims by Insurance Ireland members increased by 23 per cent from 2011 to 2016, while in the same years the amount paid out by the Personal Injuries Assessment Board (PIAB) across all classes of insurance increased by 50 per cent;

and calls on the Government to:

— ensure that the motor insurance sector does not discriminate against individuals with older vehicles that hold a valid NCT, by providing reasonable quotations;

— ensure that the motor insurance sector does not discriminate against returning emigrants by accepting foreign driving experience as valid experience;

— make it mandatory for insurance companies to provide cover to people who have five penalty points or over, as insurance is a legal requirement for all drivers;

— allow people access to the European Union market for insurance that will be regulated by the Central Bank of Ireland;

— work towards eradicating the culture of insurance fraud in Ireland, by introducing stricter penalties for those found to be pursuing fraudulent insurance claims;

— introduce an independent assessment board as a means of dealing with claims assessments, to prevent exaggerated and misleading claims being pursued and settled;

— ensure that when accessing claims/awards, reference is made to best international practice guidelines; and

— deliver real transparency on how premiums are calculated and why quotes are refused, with access to a robust independent insurance appeals process.”

— Mattie McGrath, Michael Collins, Michael J. Healy-Rae, Noel Grealish, Danny Healy-Rae, Michael Harty.