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Underinsurance is a critical issue

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By John Healy of Healy Insurances

Home owners may have received a letter recently from their insurer regarding 'underinsurance'.

The Central Bank of Ireland has instructed insurers to contact all home owners to highlight this critical issue.

As an insurance broker we have been highlighting this matter for a number of years to our customers as the cost of building has been increasing steadily since before the pandemic.

Last year Zurich Insurance carried out a survey of over 1,000 Irish consumers.

Its key findings were as follows:

According to the research, 51% of homeowners surveyed are correctly insuring their properties, while over 1/3 of homeowners (36%) are incorrectly insuring their properties by basing their calculation on their homes’ market value as opposed to its rebuild cost. An insurance valuation refers to the ‘building sums insured’, which is the full cost of rebuilding a property including the cost of site clearance and architects’ fees. This should not be confused with the market value.

A further 36% of people who took out a home insurance policy did not take any action to calculate their buildings sums insured, i.e., the rebuild cost of their home. However, one in four people used the rebuild cost calculator operated by the Society of Chartered Surveyors Ireland (SCSI) or another reputable operator, while 15% of homeowners organised a bespoke rebuild valuation through a building’s surveyor.

Meanwhile, over a quarter (26%) of homeowners have reviewed the cost involved in rebuilding their home within the last year, 20% reviewed two years ago while a similar figure (19%) have left it three years or more. Almost 1/5 of homeowners (18%) have never reviewed the cost to rebuild their home or can’t remember doing so. High and rising inflationary costs across the construction sector mean homeowners should be reviewing their rebuild cost annually when renewing their policy to avoid the possibility of homes being underinsured.

I would recommend that you review your reinstatement sum insured sooner rather than later and continue to review during the year. In order to get a definitive individual reinstatement value on your house you should contact an independent qualified surveyor.

The most recent rebuilding cost report and a rebuilding calculator can be found at www.scsi.ie.

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Missing Killarney chef located dead in UK

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Missing Killarney chef located dead in UK


A 34-year search for missing former Killarney chef Patrick (Patsy) O’Sullivan ended following confirmation that he was located deceased in the UK.


Patsy was 35 years old when last seen by relatives in Lombardstown, County Cork, during the Easter Bank Holiday weekend in April 1992. At the time of his disappearance, he was working as a chef in Waterville, having previously worked across several Killarney hotels. He was scheduled to attend a family Christening shortly after returning from Kerry, but never arrived.
Despite decades of public appeals, including features on RTÉ’s Crimecall, his location remained unknown.
Investigations revealed that Patsy moved to the UK and changed his name to Patrick Aldridge in 1995, adopting the surname of his partner who passed away in 2022. He passed away from natural causes on July 5, 2024, living just over an hour away from his brother who also passed away in the UK last year.
Speaking on Cork’s 96FM, his brother Jerry O’Sullivan confirmed the family finally received closure following renewed efforts led by Garda PJ Roche and investigating officers. He noted that while unanswered questions remain about why Patsy started over fresh, the family is grateful for the work that brought final answers.
An Garda Síochána confirmed the missing person case is closed and thanked the public for their assistance over the years.


IN MEMORY: Patrick (Patsy) O’Sullivan, a native of North Cork who worked as a chef in Killarney and Waterville, went missing in April 1992 and was located deceased in the UK. Photo: Garda Press Office.

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Speed cameras go live at Farranfore level crossing

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Speed cameras go live at Farranfore level crossing

An Garda Síochána, Iarnród Éireann, Transport Infrastructure Ireland, and Kerry County Council put new safety enforcement cameras into operation at the Farranfore level crossing this week.

The GoSafe system, which went live at 12pm on Tuesday, October 6, automatically detects vehicles running red lights or breaking the speed limit as they approach and cross the railway track.

Farranfore is only the second level crossing on the national rail network to feature the technology, following a trial at Merrion Gates in Dublin where driver compliance reached 99.7 per cent. Up to six crossing locations nationwide are slated to receive the units.

The system targets two distinct traffic violations. Proceeding past a stop line when red lights are flashing carries an automated Fixed Charge Notice of €80 and two penalty points, rising to five penalty points upon court conviction. Speeding violations trigger a €160 fine and three penalty points, which can increase to five points and fines up to €1,000 if prosecuted in court.

Iarnród Éireann highlighted excessive approach speed as a key safety factor at the Farranfore junction. Nationwide, 31 incidents involving vehicles or bicycles colliding with automated level crossing gates have occurred in 2026 to date, up from 23 in 2025.

Highlighting the risk to local road users, Road Safety Officer with Kerry County Council Declan Keogh said: : “The new safety cameras at Farranfore railway crossing serve as a dual-safety mechanism, for road users and for rail users and operators. I would urge all motorists to think twice before taking that chance to get across the railway line when the warning lights have activated and the barriers are lowering. All too often those chances have proved unsuccessful, with serious consequences.”

Iarnród Éireann Chief Executive Mary Considine noted that interfaces between road and rail traffic represent one of the primary safety risks on the network, adding that automated cameras encourage drivers to reduce speed and obey active signals.

Assistant Commissioner Ferry of the Garda National Roads Policing Bureau welcomed the joint venture, stating that technology-led enforcement will significantly assist in maintaining safety across shared transport networks.

50km/h zone enforced at Farranfore

Motorists traveling through Farranfore are reminded that the speed limit on the approach to and across the railway crossing is strictly 50km/h.

While automated safety systems enforce both signal compliance and vehicle speed, the 50km/h limit remains the maximum legal speed on the N22 section approaching the crossing gates.

The newly activated GoSafe cameras record vehicle speeds automatically in both directions. Any motorist detected exceeding the 50km/h threshold will automatically receive a €160 Fixed Charge Notice alongside three penalty points applied to their driving licence.

Local authorities and Gardaí advise drivers approaching Farranfore from both the Tralee and Killarney directions to adjust their driving speed early, monitor active signals, and prepare to stop safely when warning lights activate.

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