Brexit Green Cards – Top 5 Things You Need to Know

 With a “no deal” Brexit on the horizon. Irish motorists will need a Green Card to drive in Northern Ireland.

Top 5 Things You Need to Know About Green Cards for Car Insurance

Here are the main five points that you need to know about Brexit and Green Cards.

1) In the event of a “no deal” Brexit Green Cards will be required when driving in Northern Ireland and Mainland UK. If you don’t have one, you risk your vehicle being impounded and prosecution.

2) You don’t need a Green Card when travelling to EEA( countries, including all EU states. So, no need to worry if you are getting the ferry to France.

3) If a deal is agreed, with the UK,  then Green Cards will not be required. However, in the case of a “no deal” Brexit they will.

4) Our customers can get a Green Card by e-mailing a request to us at You can also call us on 042 9359051.

5) Green Cards are proof of insurance that will be accepted by UK authorities. It is an internationally recognised document that shows that you have the minimum insurance cover required by law.

Green Cards – Why the Uncertainty

We understand that this is an inconvenience to many people, especially our customers who live in border areas.

However, the uncertainty is down to whether a deal can be reached between the British government and the EU.

As we have highlighted above, Green Cards will only be required in the case of a “no deal” Brexit. So it’s important that you keep an eye on the news as some important dates come up e.g. 12th April.

Allianz Home Insurance Overview

Allianz Insurance has been operating in Ireland for many years and has built up good brand recognition in that time.

It is part of the Allianz SE Group which is one of the leading financial service providers globally.

As well as offering home insurance Allianz offers a range of insurance products and is well known for providing specialist products to the Irish Small and Medium Enterprise (SME) sector.

Many sports fans will be familiar with Allianz insurance sponsorship of the GAA National Football and Hurling Leagues.

Allianz Home Insurance Review

Allianz Insurance stacks up very well as a home insurance provider. We have a long relationship with Allianz and will recommend them as an insurer.

As with all insurance providers, the level of cover and price vary depending on your circumstance.

So, if you can get the level of cover you require at the best price from Allianz then you should strongly consider taking out a policy.

However, as always we suggest checking multiple insurers in order to find the best price.

After many years of dealing with Allianz and working with them to help our customers, we believe that Allianz Insurance is a tier one insurance provider to the Irish market.

Rating: 5/5.

Conclusion – Allianz Home Insurance

Allianz branding focuses on serving the community. They can serve your home insurance needs also. So, if you are about to renew your policy or taking one out for the first time, then Allianz may have the right policy for you.

Compare Allianz with other home insurance providers. All insurance providers we work with are regulated by the central bank of Ireland.

Get a home insurance quote below:

Home Insurance Comparison – Get a quote Â



Switching Saturday Section of Irish Independent Features Customer Who Saved €485

A customer who saved €485 on her car insurance quote with us was recently featured in the Switching Saturday section of the Irish Independent.

The lady in question saved just over 50% on her policy by switching with us.

This is a great example of how shopping around when renewing your policy can save you significant amounts.

We constantly see cases like this when people who have been quoted high premiums by their existing insurance company get a quote with us.

It is commonplace to see similar savings.

The lesson to take is not to accept the first quote from your insurance provider. Get quotes from multiple companies.

As seen in the Irish Independent piece, we can get quotes from a number of insurance companies for you.  This can help you save on your premium.

The full article can be read here:

Why travel insurance is an essential…

With more and more people taking flights, cruises and train trips, it makes sense to buy travel insurance to protect you from a range of risks associated with travel. Travel insurance usually provides cover for six broad categories of risk: medical expenses, personal liability, personal accident, cancellation and curtailment, delayed and missed departures, and money and belongings. If you travel frequently, you will be better off buying a 12-month multi-travel policy rather than a single trip policy.

Medical expenses are the main reason for buying travel insurance. If you become ill or are injured while you are away, you will be covered for hospital bills (in-patient or out-patient); cost of prescribed medications; cost of a close relative or friend staying behind to look after you; being returned home for treatment, including by air ambulance; cost of your burial abroad or the cost of bringing your remains home in the event of death. You are advised to buy a policy that provides minimum medical cover of €1m, especially since you may require prolonged hospital care abroad.

Cancellation or curtailment of your trip due to circumstances beyond your control is another good reason for buying travel insurance. In the event of a delayed departure, you will need to get documentation from the carrier confirming the details of the delay. Similarly, if you miss your departure, you will need written proof that you missed your departure for reasons beyond your control, as specified in the policy. Examples include a sudden delay or cancellation on the public transport system taking you to the airport. Don’t forget to keep copies of receipts and any other relevant documentation to support your claim.

Travel insurance covers loss, damage or delayed arrival of your personal possessions, loss or theft of money, and replacing a lost or stolen passport. If you are robbed while away, you must report the loss to the local police within 24 hours and get written evidence of the report. You may also need to report the incident to your hotel and/or tour operator. If your baggage is delayed or is lost, keep your tickets and the baggage tags, which are usually stuck onto your ticket by the carrier as proof of your checked baggage. Remember to ask for a copy of the written report from the carrier regarding the loss/delay of your luggage.

Your policy covers your legal expenses and personal liability cover in the event of you injuring a third party or damaging their property as a result of an accident. Your policy also includes a fixed payment if you suffer permanent disability or death while travelling.

When you buy travel insurance, you will be given a 24-hour emergency help-line number. Keep this number handy when you are away, together with a copy of your policy. Call the emergency number as quickly as possible, particularly if you need hospital treatment.

Because your policy may have a time limit for the making of claims, remember to submit any claim covered by your travel insurance as soon as you can after you return home.

Using drones to combat insurance fraud

Momentum continues to build around the ways drones could change insurance fraud. Drones have been particularly effective in fighting workers compensation and disability fraud. The New York Post reported last year that a private investigator accessed private rural property to capture images of a man suspected of insurance fraud. Though the suspect claimed he was fully disabled, the drone took photos of him allegedly engaged in heavy physical activity.

Drones can help cut losses due to workers compensation fraud by providing quicker, cheaper and safer surveillance and documentation. Drones can also be an efficient tool for collecting a wealth of information about a property. This means insurers can better document the condition of a risk before issuing a policy. Drones provide great views of roofs, siding, windows, gutters and other components with a higher resolution than satellites or manned aircraft.

Drone data captured during or after a fire can be analysed to investigate why a fire spread the way it did. Was it wind and ventilation, was it fuel, or was it a fraudster armed with gasoline?

The biggest challenge to the use of drones in combatting insurance scams is legislation. In many countries, there are restrictions on the circumstances can be deployed.

Examples of insurance fraud

The Coalition Against Insurance Fraud in the USA conservatively estimates that insurance fraud costs $80 billion a year in stolen claims, not including the social costs. When you add the lost productivity of businesses, the lost life savings of individuals and the cost to investigate and prosecute, the total figure is much higher.”

Here are some examples of fraudulent insurance claims:

Isabel Parker, the 72-year-old queen of the slip-and-fall scam, prostrated herself in department stores, supermarkets and liquor stores 49 times for claims totaling $500,000 during her long career, a sad byproduct of her gambling addiction.

Carla Patterson tried to tap a Virginia restaurant for a $500,000 insurance settlement after discovering a mouse in her vegetable soup. But the national chain investigated and found that the mouse had no soup in its lungs and had not been cooked. Patterson was sentenced to a year in prison.

Nicholas Di Puma of Walton, N.Y., torched his home and his convertible to collect on his homeowners and auto insurance. He claimed that it all started when pans on his stove ignited. After trying to extinguish the inferno with a rag, Di Puma said he threw the first pan out the door, where it landed in the backseat of his convertible. While en route to tossing the second pan outside, he tripped and the pan landed on his couch. Unbelievable? That’s what local law enforcement thought, too. He received five years of probation — and no insurance benefits, of course.

Insurance agent James Lee Graff robbed some 30,000 people of more than $40 million in stolen health insurance premiums, leaving them to pay medical bills from their own pockets. The clients paid Graff their premiums, expecting him to forward the money to the insurance company. But instead, Graff pocketed the money and issued a fake policy that looked real. But the clients remained completely uncovered.

The perils of under-insurance

We have all heard of customers being told that they are under-insured only when they make a claim, by which time it is too late. In some cases of under-insurance the company will refuse to pay a penny. In others, it will only pay a proportion of the claim.

In November 2012, Carol and Patrick Warren woke up to find the ground floor of their Somerset house submerged in rainwater. A devastating flood left the Warren family homeless and their possessions destroyed. However, the £127,900 needed to pay for the damage and rent for alternative accommodation was not covered by their insurer, as the family of four had thought.

The insurer agreed to pay just half this sum, on the grounds that the Warrens had failed to provide an accurate value for the property – despite the fact that the family used the valuation calculator recommended by the insurer.

Unknown to the Warrens, the calculator was completely unsuitable for their circumstances. It considered only properties with up to four bedrooms, whereas their home had six, and did not consider that the house was Grade II listed. The insurer offered the Warrens just £55,000 – less than half the cost of the damage.

The insurer’s loss adjuster claimed that the Warrens were “confused” over the cost of the damage and required money “wholly disproportionate” to the actual cost. Fortunately for the Warrens, the official dispute resolution body, the Financial Ombudsman Service, sympathised with the family’s plight and intervened in summer 2014. The Ombudsman deemed the insurer responsible for the property being under-insured, and ordered the full claim to be paid, with 8% interest added.

Different types of car insurance in Ireland

Car insurance in Ireland is about protecting other road users, as opposed to protecting the driver of the insured vehicle. Car insurance is not an optional extra. It’s a legal requirement to have car insurance if you want to drive your car in a public place. Failure to have a current Certificate of Insurance when driving is a serious offence. You will incur fines, penalty points and you may be disqualified from driving.

Young drivers are considered a high risk for insurers, and the cost of car insurance in this age group is considerably higher than for others both in Ireland. However, young drivers can reduce the cost of car insurance by joining a parent’s insurance as a named driver. This will enable the young driver to establish a safety record, which is crucial when the young driver later applies for insurance in their own name.

  • The most basic insurance – “third party” – is the minimum required by law. However, this insurance leaves you open to substantial loss in the event of an accident. If you are at fault, only your passengers and the driver and passengers of the other vehicle will be compensated. Third party insurance provides no cover for damage sustained in an accident to your car or if your car is stolen or goes on fire.
  • Comprehensive insurance is the most expensive type of car insurance, and covers you for almost every eventuality: any damage done to the vehicle regardless of how it was incurred; life/accident insurance; loss of personal belongings from the car; the cost of a hired car if the insured car is off the road as a result of an accident; windscreen breakage, etc. New cars in particular should be comprehensively insured.
  • Third party, fire and theft is the most popular form of car insurance in Ireland. This covers you for loss of the vehicle through fire or theft and for any loss as a result of attempted fire or theft. Damage to property is also covered. There are also optional extras available such as windscreen breakage.

Under Non-Life Insurance Regulations, your car insurance company must issue your insurance renewal notice not less than 15 working days before the date of expiry of your insurance policy. It is also required to include with the notice your no claims discount certificate. You will need this certificate if you want to renew your car insurance with a different insurance company.

Tips on insuring your high-tech gadgets

Hi-tech gadgets are part of our everyday life. We regularly carry with us a combination of different gadgets: mobile phones, tablets, laptops, cameras, iPods and Kindles. It is not unusual to have up to €1,000 worth of gadgets with us on a daily basis.

Because these gadgets are portable, they are also vulnerable to theft, damage and loss. So the first question you need to ask is: Can I do without my gadgets? And can I afford to replace them? If the answer is no, it is worth considering gadget insurance options.

Before taking out dedicated gadget insurance cover, you need to do your homework. Does your home insurance offer sufficient cover for gadgets? Are your gadgets already covered through warranty, travel insurance, bank account or credit card?

The first thing you should do is carefully study your existing home contents insurance cover. You need to know what protection it offers, and you need to consider the potential impact of a claim for a gadget on your home insurance no-claims bonus. Many home insurance policies offer you the option of specifying which gadgets you want to insure. Take cell phones as an example. According to independent financial researcher Defaqto, over 300 home insurance policies in the UK provide cover for mobile phones within the home as standard.

Also, check the terms of any warranty you may have on your gadgets. For example, many people take out specialist gadget cover from a retailer when they buy their hi-tech device. Mobile phone insurance has become almost standard. Just remember that this might not be the best or most cost-effective option to take.

Sometimes, purchases made by a premium credit card or packaged bank account are also covered by a special warranty. While it may seem like a good idea to have extra protection for your gadgets, doubling up on insurance is not to your advantage. Also, carefully check your travel insurance terms to see whether they include gadgets – and which ones.

Be aware that in the event of a claim, insurers usually apply a ‘single article limit’ to items, including gadgets. This is the maximum amount an insurer will pay for an item, and this may differ between item types as well as between insurers. You need to decide whether you want to include accidental damage cover for your gadgets – and make sure you read the small print so that you know precisely how the insurer defines “accidental.”

Check the excess charged by your home insurer. If the excess is greater than the value of your gadget, it may be worth paying for a replacement yourself. Remember that cover for personal belongings in a car is typically only found on fully comprehensive policies, and tends to offer rather limited payouts.

For many people, the most valuable thing about their gadget is not the gadget itself – it’s the data stored on it. The trick is to regularly back up your data, music, photos, files, contacts and other information. The cloud offers a sure way of protecting your data, while physical back-ups such as home computers and detachable hard discs can also help you ensure that the loss of the gadget does not mean the loss of valuable data.

Understanding The Psychology of Driving

When you have been behind the wheels you must have often said to yourself;” Its fun being reckless. It is alright to do anything on the road as long as I am out of trouble. Who cares about exceeding the speed limit. Speed is true excitement” A significant section of male drivers will agree to have raced a car on a public road leading to fatalities as indicated in the graph above. Clearly, our attitude to the world around influences our driving to a large extent. It is our perceptions about ourselves and the external authority which effect our driving. At times few of us may feel that the speeding limits are too restrictive spoiling the fun of fast driving. But on the contrary, these limits have been imposed to ensure our safety on the roads which few of us realize.

A motorist’s psychology

Drivers can be categorized into two categories; the reptilian drivers and the cortical drivers. When a motorist tries to merge into a lane, a cortical driver may get annoyed but tell himself that there is nothing he can do about it. On the other hand a reptilian driver will drive aggressively with the thought that he needs to get ahead of the motorist.

However, this quote sums up the true essence of being behind the wheels for all drivers, “The fights with his machine often lead a motorist to bitter anger and sorrow. But the good side is that this creates precious qualities like patience, skill, inventiveness and courage. Our motorist will therefore accept all adversities of the road without despair but with laughter: for the automobile bestows strength of will.”

Essential figures and facts

A study undertaken by a psychologist reveals that males below 25 have reported of breaking the 60km speed limit for more than 10 kilometers. Some have reported of breaking the 120km speed limit and overtaking a car when it has been maintaining the right speed for a particular condition. In real life if you have been driving for a while you will be able to relate to incidents when you have witnessed obscenities flying from the driver’s mouth or a level headed woman suddenly turning into a road warrior much to your disbelief. Situations such as these can be classified under road rage which can worsen your experience while driving.

To tackle road rage avoid eye contact with the other driver and try to move away as soon as you can . To meet the challenges of driving, it is essential that you develop your cognitive skills. At the same time, by making the endeavor to hone your driving skills and practicing defensive driving you can ensure greater safety on the road. Predictably, this insight into the psychology of driving will help you to drive better.