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Top tips when renewing commercial motor insurance

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By John Healy of Healy Insurances

While commercial motor insurance premiums have reduced over the past 18 months there is still ample opportunity to save money.

Here are some tips to review when your commercial motor policy is due for renewal:

Occupation:

Review your policy before renewal date especially if you have changed occupation or business.

Drivers:

While open driving 25-years-old to 70-years-old is a convenient cover for business owners and tradesmen you should also get a quote to restrict driving to named drivers.

Vehicle cover:

For older vehicles ask about third party fire and theft cover but I would insist that windscreen is always included. Windscreen cover can be as low as €20 but a replacement windscreen can cost many hundreds to replace.

Paying in full:

Consider paying in full for your policy. All insurers charge for instalments and this can be up to 8% of your premium.

Value:

It is important to value your vehicle accurately, being cognisant that second hand vehicles are increasing in value at the present time.

Claims excess:

Some insurers will have a discount for increasing your claims excess.

Shopping around

While shopping around is advisable, it is important to understand that direct insurers only sell their own products. Covers such as bonus protection or windscreen may not be included in the standard quote.

Use a broker

As experts in insurance we know how to get the best rate for each of our customers and our software enables us to search the market of over 15 motor insurers, Irish and international. Aside from understanding the discounts that can be achieved using the correct data, we also achieve bulk discounts from insurers for certain risk profiles.

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10-minute plays will linger in the memory

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The West End House School of Arts is delighted to take part in this year’s St Patrick’s Day Festival with a special evening of entertaining readings on Friday, March 13 at 7.30pm.

It promises to be a vibrant showcase of five original 10-minute plays written by emerging local playwrights, each of whom has recently completed a playwriting course with Fiona Doyle (pictured).


Diverse in style and subject matter, these beautifully crafted pieces promise an evening of laughter, tears, and powerful storytelling and each reading will be performed by West End House actors from Kerry.


Together, they highlight the remarkable talent of these up-and-coming writers and actors, who are the future of theatre in our community.

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Get your scrap together

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Following the success of the first ever Killarney Lions Club scrap metal collection in 2025, the Club will again run the event this year in partnership with KWD Recycling on March 28, at Killarney Racecourse.

Similar to 2025, money raised through recycling the metal will go towards improving facilities for families attending the children’s cancer unit in Cork University Hospital, as part of an overall fundraising drive being coordinated by Lions Clubs all over Munster.

The Club is asking people to bring non-ferrous scrap metals such as aluminium, copper, brass, zinc and stainless steel (no white goods such as fridges/cookers washing machines). Volunteers will be on hand from 9am until 4pm to take donations of scrap and work with KWD Recycling to remove it for processing.

“Although Lions Clubs in Munster have already raised some funds for CUH, more is still needed, so we’re delighted that KWD Recycling is working with us again to support this very worthwhile cause”, said Jason Higgins, President of Killarney Lions Club. “We’re asking anyone who has scrap metal at home, at work or on the farm now or in the next few weeks to please bring it to the Racecourse on the day because everything we collect will make a difference.”

Tadhg Healy, Sales Manager at KWD Recycling added that “We will recycle any high quality scrap metal that we collect – it can be quite valuable and of course it’s better for the environment if it’s recycled instead of being dumped. On top of that, the main thing with this collection is to help families of children with cancer, so hopefully we’ll get a good response from everyone and raise as much money as possible through this event”.

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