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Our general objectives and specific real reforms are:


PREVENTION of exaggerated and misleading claims being pursued and settled

  1. Set up the Garda Insurance Fraud Unit
  2. Link Sections 26 and 25 of the Civil Liability Act 2004 so that exaggerated and misleading claims are automatically forwarded to the Gardai for potential prosecution
  3. Oblige lawyers to comply with the duties of candour and inquiry now being applied to Asylum cases

CONSISTENCY in the calculation of awards at realistic and affordable levels

  1. Recalibrate the Book of Quantum to reflect international norms and norms already established by the Court of Appeal
  2. Redefine and rebalance the “common law duty of care” to require the occupier to take a duty of care that is reasonable, practical and proportionate .


TRANSPARENCY on how premiums are calculated and claims are settled 

  1. Produce a schedule of forecast reductions for reforms
  2. Reinstate the 2003 IIF/IBEC protocol on dealing with claims
  3. Publish an up to date Key Information Report on Employer and Public Liability insurance claims
  4. Make a Claim-by-Claim Register available.

The overriding aim of the Alliance is to:


Leverage reforms that will quickly reduce liability and motor insurance premiums to affordable levels and keep them that way.

A very long list of potential objectives has been refined to three general areas and nine specific ‘real reforms’.  These reforms are intended to be feasible, achievable within a limited timeframe and ultimately effective.

Given the need for urgent action, we have excluded many exemplary suggestions because they are long-term in nature. The actions have been refined following meetings with key policyholders.