“the common duty of care” means a duty to take such care as is reasonable in all the circumstances (having regard to the care which a visitor may reasonably be expected to take for his or her own safety and, if the visitor is on the premises in the company of another person, the extent of the supervision and control the latter person may reasonably be expected to exercise over the visitor's activities) to ensure that a visitor to the premises does not suffer injury or damage by reason of any danger existing thereon.”
So, let’s get straight to the point.
Q: Is insurance hurting communities, charities, sports clubs, cultural groups and small businesses?
Q: Are things getting better?
A: No, they are getting worse and are going to accelerate if nothing meaningful is done.
Q: Has anything been done about it?
A: Well there’s been plenty of huffing and puffing but the more important question is:
Q: Has anything that has been done so far applied downward pressure on insurance premiums?
A: Absolutely not.
This is why this general election is so important for policyholders and why it is important to ask any prospective politician you meet what REAL insurance reforms they are committed to.
In particular, where do they stand on:
· Reducing unfair personal injury awards
· Rebalancing the duty of care
· Setting up and resourcing the Garda Insurance Fraud Unit
· Demanding lower insurance premiums from insurers
We will explain these reforms and other aspects of the insurance crisis in more detail in later blogs.
Many thanks, Peter