Tag Archives: Ask A Broadsheet Reader

A car insurance Protest in Dublin in 2016

CC writes:

Road Safety Authority, Insurance Ireland and the Department of Transport won’t give me answers to these questions, so maybe a Broadsheet reader can help?

Q.1 Level of cover

With the minimum level of insurance required in the European Union Third Party cover, why do most of the major insurance companies in Ireland not offer the minimum cover without the extra benefits e.g fire, theft, that are not required by law? 123.ie, AXA and Allianz were only offering TPFT as the minimum cover on their websites.

Source From the Dept of Transport

“Motor third Party liability insurance is the minimum level of compulsory insurance in Ireland and throughout the European Union from mechanically propelled vehicle. Fire, theft and comprehensive cover are additional benefits which motor insurance companies offer for an increased premium.”

Q.2 Fire+theft and comprehensive claims

In cases of fire, theft, damage (incl windscreen) and write offs. Do the losses incurred with this “optional product” to the insurers in these claims have any load bearing on the renewals of other drivers?

Example:  A riot breaks out tomorrow afternoon in Liberty Square, Thurles and over 40 cars with full comprehensive cover are torched in Parnell Street car park. Would any losses incurred here through comprehensive or TPFT claims be loaded on to the policies of other drivers, or does this come out of the pockets of the insurance companies? Remember that this cover and benefit is optional and not mandatory.

Q.3 according to the European Union

“The risk-assessment scheme Typically use by the vehicle insurance in Ireland is called no-claims system and is based on the following criteria

• Licence
• Type, size and age of car
• age of driver
• Value of the car <——
• experience
• profession and use
• Where the car is kept <——-
• Excess and Extras
• No claims discount
• Accidents, claims and convictions

With the minimum mandatory cover being third party liability, why would the above highlighted be taken into account when third party liability doesn’t cover theft or damage?



Sabina Higgins greets Britain’s Prince Charles in Glencree, County Wicklow yesterday

Steady on.

Peter L writes:

It’s wonderful that we have good relations with the British Royal family and all but is there a larger purpose to these visits and their frequency and the level of deferential intimacy on display? We are a Republic after all carrying a complicated history with these people….[we are] not hoteliers to the British elite…


Yesterday: They Are Among Us


Elon Musk’s proposed Starlink laser-linked high-speed internet satellite project showing the shortest path in the network between New York and London.

Ross writes:

How is it costing 3bn to get broadband throughout Ireland when Elon Musk can give the entire planet high speed internet for an estimated 10bn?


Elon Musk just revealed new details about Starlink. Here’s how it might work (BusinessInsider)

Demolition of Tom Kelly flats, Charlemont Street, Dublin 2 in 1994

Tom Kelly writes:

I understand that once upon a time, there was a Mural, (Subject: Tom Kelly) that was located in the Tom Kelly Flats near Kelly’s Corner in Dublin.

Would you or any of your readers have any suggestions as to where I could see a picture of this?

I understand that the Flats have now been demolished. Thank you very much for your assistance.


Dublin Rental Investigator tweetz:

Are DAFT facilitating landlords hiding the location of properties? New regulations governing the advertising of rental property must include a provision for the inclusion of the Eircode. What’s to gain from hiding “Newly Refurbished/BER Exempt’ property locations? #RaiseTheRoof


Seanad Eireann

Anon writes:

There are growing calls for all NUI graduates who have not registered for the Seanad elections to do so. Here’s the thing. I am a graduate of NUI – they awarded me a diploma (in absentia) and sent a very impressive conferring parchment by post.

The Constitution provides for Seanad seats to be elected by the graduates of NUI in a dedicated constituency.

It is silent as to whether the franchise is restricted to graduates awarded primary degrees, nor does it appear to mention recipients of postgrad awards. The NUI registration process however, requires the applicant to specify the details of the primary degree awarded.

This appears to be custom & practice within NUI rather than a stipulation mandated in the underlying legislation. Are there any constitutional lawyers in the house?



Anon adds:

Answering my own question: 7.—(1) Every person who is a citizen of Ireland and has received a degree (other than an honorary degree) in the National University of Ireland and has attained the age of twenty-one years shall be entitled to be registered as an elector in the register of electors for the National University constituency. [Seanad Electoral (University Members) Act, 1937] Oh, well.