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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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One way traffic system mooted for St Oliver’s National School

The Killarney Advertiser understands that a one-way traffic management system will be introduced at St Oliver’s National School. The plan remains subject to confirmation by Kerry County Council and other […]

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The Killarney Advertiser understands that a one-way traffic management system will be introduced at St Oliver’s National School.

The plan remains subject to confirmation by Kerry County Council and other statutory bodie. It is  understood that the system will be trialled at the beginning of the new school year in September.

The area is subject to serious traffic congestion during school drop-off and pick-up times every day.

Over 650 pupils and 80 staff attend the school every day. New housing developments in the area have added to traffic congestion.

Cllr Martin Grady has being pushing for enhanced road safety measures at the school since his co-option to the council in September 2023.

“The issue has worsened in recent years with Woodlawn, Rookery Road and Ballycasheen having more domestic property developments which brings with it more road activity,” Grady told the Killarney Advertiser.

“I’ve seen first-hand several accidents occur when dropping and collecting my children from the school. It needs a safe solution by means of a drop off- pick up point or a traffic management system put in place.

“It is unfair on all stakeholders involved. I will keep working on this until results are achieved in the interest of everyone’s safety. “

The lack of urban school bus services, not just at St Oliver’s but at all schools is adding to Killarney’s traffic woes.

“I would like to see school bus services return for all students, in both urban and rural schools, this service was a massive loss, it would greatly reduce the volume of traffic on our roads and mitigate the risk of accidents and near misses,” added Cllr Grady.

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Planning rules “nonsensical in a housing crisis” Cllr Healy-Rae

A planning rule which prevents people from building houses on their own land next to major roads is being challenged by Cllr Maura Healy Rae. The current planning policy states […]

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A planning rule which prevents people from building houses on their own land next to major roads is being challenged by Cllr Maura Healy Rae.

The current planning policy states that any application house along national primary and national secondary roadways exiting from existing entrances will not be considered.
Healy-Rae says this problem is particularly acute in the Killarney Municipal District given the amount of national roadway surrounding the area with the N22, N71 and N72.
“It is nonsensical that where an individual is living at home and using an existing entrance, can’t be considered to build their own house and use existing entrance they are already using,” she told the Killarney Advertiser.
“How Transport Infrastructure Ireland can quantify this as additional traffic is preposterous. Given we are in a housing crisis, given all the challenges surrounding planning, given exorbitant house prices and the lack of affordable housing, it is ludicrous that this is a reason people are being refused planning.”
She called on Kerry County Council to write to the TII, the Minister for Transport and the Minister for Local Government requesting that the current blanket policy be lifted.
“It [the policy] has directly resulted in numerous planning applications being refused and even considered at the pre-planning stage,” she added.
Kerry TD Danny Healy-Rae has also raised the issue in Dáil Éireann.

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