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The Alliance for Insurance Reform brings together 47 civic and business organisations from across Ireland, representing over 55,000 members, 700,000 employees, 614,000 volunteers and 374,000 students in highlighting the negative impact of persistently high premiums and calling for real reforms that will quickly reduce liability and motor insurance premiums to affordable levels and keep them that way.
Key reports including from the Central Bank and the Injuries Resolution Board are available hereBrian Hanley2025-12-04T19:41:43+00:00
Useful StatisticsBrian Hanley2025-10-13T19:37:34+00:00
Injuries Resolution Board statistics from its 2024 Annual Report (published July 2025):
- Amount saved in 2024 in avoided costs due to claims not going through litigation €76 million.
- Reduction in average value of General Damages (Damages for Pain and Suffering) 29%
- Reduction in total value of awards since 2019 – €107 million.
- 2024 claims volumes down 39% since 2019.
Central Bank NCID statistics from its 2023 Liability Report (published April 2025):
- The report found that premiums increased by 4% in 2023 and have increased by 17% since 2020, despite a range of government reforms.
- The market has also proven highly profitable for insurers, showing an operating profit of 13% in 2023 (2.5 times international norms).
- Report finds that average legal costs are less than €1,000 for cases finalised at the Injuries Board but over €23,000 once it enters into litigation, whilst awards for claimants were the same in either channel (also at €23,000).
- Insurer profits continue to rise at the expense of higher premiums and despite reduced volume of claims and size of awards.
