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YELLOW Weather Warning + Tips for winter driving

STATUS YELLOW Weather Warning

Rainfall Warning for Munster, Wexford and Galway

Further heavy rain at times for the rest of today and early tonight with a continued risk of flooding.

Issued: Monday 14 September 2015 14:58 Valid: Monday 14 September 2015 12:00 to Monday 14 September 2015 23:59

 

 

TOP 10 TIPS FOR WINTER DRIVING, from the RSA

 

Taking a number of simple precautions can ensure safety on Irish roads during winter. Don’t get caught out if severe weather hits, make the necessary checks on your vehicle now.

There are a number of simple precautions the RSA advises for driving over the winter months:

1. Check your tyres…they are your only contact with the road. Tyres should be at least the minimum legal thread depth of 1.6mm but need to be changed before they get this worn. Tyres need to be to the correct tyre pressure to give the motorist the best chance in extreme conditions.

2. Use your lights. As we come into the winter months, motorists are advised to use dipped head lights during the day so you are easily seen. Headlights and taillights should be in working order.

3. Understand your brakes. Check your car manual and find out if your vehicle has safety assist technology such as Electronic Stability Control (ESC) or Anti-Lock Braking System (ABS). Learn how these technologies can assist your driving in harsh weather conditions.

4. Safe Distance. It takes longer to stop a car during the winter weather so slow down and allow extra distance between you and the car in front.

5. Make sure you can clearly see. All too often motorists do not de-fog or de-ice windows and mirrors which can compromise visibility. This winter ensure windows and mirrors are clear, and carry a de-icer and screen scraper. Do not use boiling water as this can crack the windscreen.

6. Beware of “Black Ice”. Black Ice is one of winter’s biggest hazards as it is difficult to see. Watch out for sheltered/ shaded areas on roads, under trees and near high walls.

7. Be prepared. During these winter months it is advised that motorists carry a number of essentials in the boot of their car.

1) High visibility vest

2) Spare fuel

3) Appropriate footwear in case you need to leave your vehicle e.g. boots

4) A hazard warning triangle

5) Spare wheel (Check that your spare wheel is in good condition and is fully inflated. Some cars may have an inflation repair kit instead of a spare wheel. Make sure that you know how to use it.)

6) Tow Rope

7) A shovel

8) De-icing equipment (for glass and door locks)

9) Spare bulbs

10) First aid kit

11) A fire extinguisher

12) A working torch

13) A car blanket, additional clothing & some food and water

 

8. In the event of a breakdown. Drivers need to ensure their vehicle is well in off the road so as not to obstruct other vehicles. The driver should also put on their hazard warning lights. If the vehicle breaks down on the motorway pull in as far as you can, alerting traffic behind you with hazard lights. The driver should leave their vehicle, get behind the barrier (on the embankment) and call the Gardaí, on their mobile phone or roadside telephone.

9. Keep up to date. Listen to local weather and traffic reports. Pay heed to the weather warnings alerting drivers of unsafe and dangerous driving conditions.

 

10. Check out the RSA’s publication ‘Severe Weather Advice for Road Users’ for more detailed advice on what to do if severe weather strikes!

 

 

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10 Reasons for increases in motor insurance premiums

 

 

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Win 1st Prize “Berney Saddle worth €800” or 2nd Prize “two tickets to the Wexford Festival Opera 2015” from Wexford Insurances at the Dublin Horse Show 2015

See Terms and Conditions Here

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Competition Terms & Conditions

Win 1st Prize “Berney Saddle worth €800” or 2nd Prize “two tickets to the Wexford Festival Opera 2015” from Wexford Insurances at the Dublin Horse Show 2015

 Competition Terms and Conditions

 

The “Win 1st Prize a “Berney Saddle worth €800” or 2nd Prize “two tickets to the Wexford Festival Opera from Wexford Insurances at the Dublin Horse Show 2015” competition can be found “HERE”

 

Your details will not be given to or used by any company other than Wexford Insurances.

 

“Win 1st Prize “Berney Saddle worth €800” or 2nd Prize “two tickets to the Wexford Festival Opera 2015” from Wexford Insurances at the Dublin Horse Show 2015” is a promotional competition run and managed by Wexford Insurances.

 

All competitions run under by Wexford Insurances are solely managed and run by Wexford Insurances.  Wexford Insurances decision in relation to selection of prize winner(s) is final and no correspondence will be entered into.

 

The 1st prize will consist of a voucher to the value of €800 in favour of the competition winner which can be redeemed for the purchase of a saddle for Berney Saddlery, Templeshannon Quay, Enniscorthy, Co. Wexford, Ireland.  Telephone 053 9233230.  The size of saddle required will be arranged between the competition winner and Berney Saddlery.  Wexford Insurances reserve the right to commission at its’ own cost photographs of the competition winner collecting the saddle from Berney Saddlery for use at its own discretion.

 

The 2nd prize will consist of 2 tickets to Wexford Festival Opera plus Complimentary Glass of Champagne upon arrival!  A night at the opera at Wexford Festival Opera’s 2015 main stage production of comedy opera ‘Le Pré aux clercs’ on Monday October 26th 2015.
Based on a novel by Prosper Mérimée, Hérold’s opera comique was a runaway success in the wake of its triumphant premiere. Set during the French Wars of Religion, Le Pré aux clercs is a touching romance in which a young countess rebels against the suitor chosen for her by the King of France and hatches a daring plot to escape with her lover to Navarre.

 

Each entrant must be over the age of 18 years old at the time of entering the competition.

In the event of any dispute regarding the rules, conduct or the results of a competition the decision of Wexford Insurances will be final.

 

Competitions run by Wexford Insurances from www.wexfordinsurance.com or by any other means are not open to staff of Wexford Insurances.  Unless otherwise stated, competition entrants need not be customers of Wexford Insurances to qualify as the prize winner.

 

Prizes are non-transferable and will only be awarded to the winner.

 

No cash alternative will be awarded in lieu of stated prize(s).

 

If, due to circumstances beyond our control, a prize becomes unavailable Wexford Insurances and/or the promoter(s) reserves the right to substitute a prize of equal value.   Automated/bulk entries and entries from third parties are not permitted and will be disqualified.  Entries that are incomplete, or entrants who refuse to abide with the competition terms and conditions, will be disqualified.  The prize must be collected within 12 months of the competition closing date which is 09/08/2015.   The winner cannot alter the prize as described.   The winner will be drawn at random soon after the closing date. Entries must be received by the 09/08/2015.   Entries to the competition are only through the Wexford Insurances exhibition stand J30/J38B, Hall 4 at the Dublin Horse Show from August 5th – August 9th 2015.  Additional expenses not covered by the prize are the sole responsibility of the winner.

 

The winner’s name may be published on our website and/or other Wexford Insurances promotional material distributed by any means deemed acceptable by Wexford Insurances.  Use of a false name, e-mail address or phone number by a competition entrant will disqualify them from receiving any prize.   Unless otherwise stated, all taxes, insurance, fees and surcharges on any prize are the sole responsibility of the winner.   Where a prize is to be provided by a third party Wexford Insurances  accept no responsibility whatsoever for the supply or non-supply or purported supply or delay in supply of the prize, including without limitation, the failure of the winner to receive ownership of or use of the prize.   Where appropriate, prize winners are required to complete all applicable booking and/or other formalities directly with the specified third party provider(s).   Wexford Insurances reserves the right to change prize details without notice.  All competition entries must be received Wexford Insurances in the required format before the advertised closing date.   Neither Wexford Insurances nor its affiliated entities are responsible for printing or typographical errors in any materials relating to Wexford Insurances promotions; fraudulent, lost, late, misdirected, incomplete or altered entries; or entries which are processed late or incorrectly or are lost due to computer or other technical malfunction.   Wexford Insurances reserves the right to cancel, terminate, modify or suspend a competition and/or vary competition rules at any time without prior notice.   Neither Wexford Insurances nor its agents accept any responsibility whatsoever for any death, injury or other damage, loss, expense or liability arising as a result of taking a prize. Nor will Wexford Insurances have any liability or responsibility for any claim arising in connection with participation in any Wexford Insurances competition or any of the prizes rewarded.   Prizes not claimed within specified time limit will be deemed to have been forfeited and Wexford Insurances may dispose of such prizes without any liability to the winner Wexford Insurances reserves the right to disqualify any contestant for any reason whatsoever in its sole discretion.   Any person found to be in disregard of these rules will be disqualified automatically.   Participation in Wexford Insurances denotes acceptance of these terms and conditions and any additional competition specific terms and conditions which may be advertised.

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Wexford Insurances to exhibit at Dublin Horse Show in the RDS, Dublin 5th – 9th August

Wexford Insurances, provider of exceptional insurance cover for the equestrian industry in Ireland, are exhibiting at the Dublin Horse Show at Dublin’s RDS exhibition centre, 5th – 9th August 2015.

The Dublin Horse Show is one of Europe’s largest horse shows with over 1,500 superb horses on show, a prize fund of almost 1 million euro, one of the most glamorous Ladies’ Days in Ireland and a chance to sample some of the best food and shopping opportunities of the summer, the show has something for everyone…

Meet Wexford Insurance’s Specialist Equestrian Insurance team in Hall 4, Stand J30/J38B under the Guaranteed Irish umbrella.

Insurances team’s combined 50 years’ experience enables them to offer some of the most cost- Wexford effective and comprehensive equestrian insurance on the Irish market.  Over the past decade Wexford Insurances have managed a large portfolio of equestrian clients ranging from owners of single horses to private yards, training centres and multi-million euro stud farms.

The firm’s industry savvy staff possesses the knowledge and understanding to offer tailored solutions based on clients’ individual needs.

Finding the right cover is a sure thing with such a wealth of experience and knowledge to hand. Products on offer include Public and Employers liability insurance, Care, Custody & Control, Horse Lorry, Hunt and Farrier’s insurance.

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Wexford Insurances – Company Profile – The Phoenix

Wexford Insurances – Company Profile – The Phoenix

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Wexford Insurance Equestrian Press Release

3rd November 2014

 A stable partnership to provide exceptional cover for the equestrian industry in Ireland.

Wexford Insurances and FBD Insurance are set to be a galloping success for equestrian clients. The team’s combined 50 years’ experience enables them to offer some of the most cost-effective and comprehensive equestrian insurance on the Irish market.

Over the past decade Wexford Insurances have managed a large portfolio of equestrian clients ranging from owners of single horses to private yards, training centres and multi-million euro stud farms.

The firm’s industry savvy staff possesses the knowledge and understanding to offer tailored solutions based on clients’ individual needs. FBD, best known for their excellent products in the agricultural insurance sector, offer a mighty reputation and more than 40 years’ experience in the Irish market.

Finding the right cover is a sure thing with such a wealth of experience and knowledge to hand. Products on offer include Public and Employers liability insurance, Care, Custody & Control, Horse Lorry,  Hunt and Farrier’s insurance.

Gary Johnston director of Wexford Insurances, said: “We are confident the partnership between Wexford Insurances and FBD will prove to be a powerful force in the Irish equestrian insurance marketplace.” Michael Garvey, sales and marketing director of FBD Insurances, said: “We are delighted to partner with Wexford Insurances and look forward to working closely with them for many years to come.”

The new partnership is deemed to be a winner when it comes to equestrian insurance as FBD share Wexford Insurance’s best-value ethos and dedication to providing top-class comprehensive cover.

For more information or a quotation, contact account executive Gale Jordan on 053 9122466 or email gale.jordan@wexfordinsurance.com

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Car Insurance in Ireland, what are your options?

 

Car Insurance in Ireland, what are your options ?

Wexford Insurances will always strive to supply you with the motor insurance policy that best meets your insurance and budget needs.

As insurance brokers Wexford Insurances take the work out of your search for the best Motor Insurance policy for the best price. It is likely you will have heard people saying that they got a great price for their insurance but this can be misleading. Unfortunately not all insurance policies are the same and in a lot of cases if there is a big difference in price then there is going to be a big difference in the level of cover the policy will provide. This is where Wexford Insurances excel, we know what different insurance companies see as important when setting the premium for each policy. This knowledge allows us to find the best possible level of cover and price for each client from the most suitable of the 25 insurance companies that supply us with Motor Insurance.

 

Types of Car Insurance available in Ireland:

Third Party Insurance -

This is the minimum level of cover required by law for any vehicle being driven on the public road in Ireland. Third Party Only covers protects’ you against any claim taken by a third party for damage or injury caused by the insured vehicle while it is being driven by the insured driver/s.

Third Party Fire & Theft Insurance -

This type of policy covers your legal obligation for third party insurance as mentioned above and also will pay you a replacement value for the vehicle should it be stolen or written off due to fire damage.

Comprehensive Insurance -

With this type of policy you will receive all of the cover mentioned above and also some or all of the covers below depending on which insurance company underwrites your policy:

  • Cover against theft of property from the vehicle
  • Some insurance companies offer personal accident cover for serious injury or death of the insured either as standard or as an add on to their comprehensive policies
  • Accidental damage to the insured vehicle.
  • Some insurance companies offer the use of a replacement vehicle while the insured vehicle is repaired after an accident.
  • Windscreen Damage. Most insurance companies will cover windscreen damage without deduction of excess or loss of no claims bonus.

 

Definitions of key words or phrases you may find in your insurance documentation, please refer to the relevant parts of the policy for details.

•      Certificate of motor insurance – Evidence of the existence of motor insurance as required by law and         which forms part of your motor policy.
•      Emergency treatment fees – Payment for charges prescribed by the road traffic acts for emergency           medical assistance following an accident involving a car which is covered under the insurance.
•      Excess – The first amount you will have to pay towards the cost of a claim for loss of or damage to           your car, whether or not the incident giving rise to the claim is your fault.
•      Fire – Fire, lightning, explosion or self-ignition.
•      Malicious damage – Damage caused to your car as a result of an intentional or reckless act by a               person not covered by this policy.
•      Market value – The cost, in the reasonable opinion of the insurance company’s motor engineer, of             replacing your car with a car of the same make, model and pre-loss or damage condition,                           specification, mileage and age.
•      Motor policy – The documents consisting of your statement of insurance, your policy summary, your           motor policy book, your certificate of motor insurance and any Special terms and conditions in-force           under the policy.
•      No claims discount – The reduction the insurance will allow in your premium in return for not making           a claim, or where no unrecovered payment is made to you or a third party.
•      Period of insurance – The period shown in your statement of insurance and certificate of motor                 insurance for which the insurance company have agreed to cover you and for which you have paid           or agreed to pay a premium.
•      Personal Accident Cover – May be offered for an additional premium on some comprehensive car               policies.
•      Personal belongings – Property which is worn or used and capable of being carried with you in                 everyday life and which belongs to you or any passenger in your car.
•      Policy Wording – Detailed information regarding all of the sections of cover that may apply to your             insurance policy.
•      Protected NCD – Your insurance company may allow you to pay an extra premium to protect against         the loss of your no claims discount in the event of you making a claim.
•      Road traffic acts – Legislation which includes details of the minimum cover for which motor insurance         is required under “The Road Traffic Act 1961 as amended from time to time”.
•      Schedule – The schedule is part of your insurance policy and contains details of the vehicle/s insured         by the policy, drivers and driving covered, the period of insurance and the section/s of the policy               wording that apply to your policy.
•      Special terms and conditions – A change to your details which forms part of  your motor policy.
•      Statement of insurance – The document giving details of the period of insurance, your cover, the               premium and the policy number. The statement of insurance includes all the information you                     provided when we prepared your quotation and forms the basis of your contract.
•      Theft – Theft, attempted theft or the taking away of your car without your consent.
•      Total loss – Where your car has been damaged beyond economical repair or it has been stolen and           not recovered.

 

Factors Most Likely to Affect Your Motor Insurance Premium:

When you are applying for Motor Insurance there are a number of things that insurance companies look at when they are setting a premium to be charged;

  •            Type of vehicle to be insured
  •            Age of vehicle to be insured
  •            Engine size of vehicle to be insured
  •            The location in which the vehicle will normally be kept
  •            Type of cover required (T.P, TPF&T or Comprehensive)
  •            Class of use (Social & Domestic, Business or both)
  •            No Claims Bonus or Driving Experience held by the insured
  •            Number of Drivers
  •            The Age and Driving Experience of Drivers to be Insured
  •            Type of Driving Licences held
  •            Confirmation of any penalty points held by the insured and any additional drivers

Important:   Your insurance policy will be “written” based on the details that the insurance company receive from you.  Any incorrect or missing information may lead to the insurance company not paying out for a claim. The insurance company may also have the option of repaying your premium and cancelling the policy from inception (it’s start date) should they become aware of any information that was falsely supplied or deliberately omitted by you. Under Irish law this will be seen as if the policy never existed and may lead to prosecution for driving without insurance.

 

What we will need to know when you apply for motor insurance:

  •             Your name and address
  •             Your date of birth
  •              A copy of your driving licence front and back
  •              Proof of your “No Claims Bonus” if any
  •              Confirmation of any penalty points held by the insured and any additional drivers
  •              Whether you have had any motor insurance claims or motoring convictions in the past
  •              The name, address and date of birth for any additional drivers
  •              A copy of each driving licence front and back for any additional drivers
  •              Whether any additional drivers have had any motoring convictions in the past
  •              Make and exact model of the vehicle to be insured
  •              Year of vehicle manufacture
  •              Estimate of present value
  •              Engine capacity
  •              Registration Number
  •              Whether the car has been modified
  •              Confirmation that the vehicle is registered in the insured’s name (in the case of a claim,                    proof of an Insurable Interest or ownership of the vehicle will be required, failure to                          provide this will likely lead to the claim being denied)

 

What we will need to know if you are changing your vehicle:
         

  •            Year of make
  •             Estimate of present value
  •             Engine capacity
  •             Registration Number
  •             Date of Purchase
  •             Whether the car has been modified
  •             Date insurance of current vehicle is to cease
  •             Confirmation that the vehicle is registered in the insured’s name (in the case of a claim,                     proof of an Insurable Interest or ownership of the vehicle will be required, failure to                         provide this will likely lead to the claim being denied)

 

What you need to know if you are driving your vehicle abroad:

To insure your current level of protection is maintained for travel to any other country outsideIrelandand theUK, you must let us know before the trip. We shall need to know the dates of your trip and the countries you shall be visiting. We will tell you if there is an additional premium and issue a Foreign Use Extension which may include your insurance company sending you:

  •             Confirmation of the dates and countries to be visited
  •             Claims procedure notes – what you should to do if an accident occurs while you are abroad
  •             Accident statement form – so you know what information to collect at the scene of                           the accident
  •             A list of Claims Settling Agents’ – so you know who to contact in the countries you plan                     to visit in the event of an accident

 

Green Cards are not necessary for travel in most European countries. For travel to a country which still requires a Green Card to be issued, this will also be included at no additional expense. You must remember to take your Policy and Certificate of Insurance with you.

 

It should also be noted that many motor insurance companies will only cover vehicle travel outside of Ireland and the UK up to the minimum legal requirement in the Country in which you are travelling. For example if some one in Ireland with comprehensive insurance is driving their vehicle in France they may only be insured up to the French minimum insurance requirement of Third Party Cover.

If you would like any more information please do not hesitate to contact our office.


 

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Setanta Insurance announcement 17/04/2014

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VERY IMPORTANT NOTICE

SETANTA INSURANCE COMPANY LTD (‘Setanta’)

 

We have been informed at mid-day on the 17/04/2014 that Setanta have declared they are insolvent and intend to enter the company into liquidation.

We wish to confirm your policy of insurance is in force and will remain so until such time as you receive an official cancellation notice direct from Setanta advising the date your policy will be cancelled from.

If for any reason during the liquidation process Setanta are unable to meet their liability in relation to claims, own damage claims and third party claims will be subject to The Insurance Compensation Fund and The Motor Insurers Bureau of Ireland respectively.

We will in the course of the coming days make every effort to contact you by telephone to discuss arranging an alternative insurer and to obtain your permission to do so.  We have been advised that cancellation return of premiums will not be guaranteed and will be subject to the liquidation process.

 

Please refer to the announcement made by Setanta on the 17/04/2014.  HERE

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Motor Trade Insurance

Motor Trade Insurance

A Motor Trade Road Risks Policy is intended for full time Motor Traders, working from a Commercial Premises or from Home, who require Road Risk Cover for their own vehicles or vehicles in their custody or control for Motor Trade purposes.

Cover should only be available to those Motor Traders who are a self-employed person or persons actively operating a formal business, on a full time basis, for profit, either selling vehicles or providing a service relating to the repair maintenance of motor vehicles.

All Policyholders should be able to provide supporting documentation to demonstrate this when requested.

DRIVERS AND EXPERIENCE:

  • Drivers must be aged 25 to 74 years old
  • Must be active within Motor Trade either on a full time basis
  • Must have been resident in Ireland for at least 36 months

SUMMARY OF COVER

This is a brief outline only- please refer to Policy for full definitions limitations and conditions

  • Windscreen damage claims will affect the no claims bonus
  • Trailers are covered as per Road Traffic Act legislation
  • GVW the Policy Limitation is 7.5ton for Commercial Vehicles only
  • Third Party Liability: Unlimited indemnity for injury
  • €1,300,000 Indemnity for Third Party property damage
  • Maximum Indemnity €75,000 any one incident
  • All claims for Accidental damage, fire and theft will exclude, at minimum, the first €500.00 of any loss or as advised by Underwriters.

 

Additional Cover available on policies that meet the following criteria:

  • Comprehensive Cover.
  • Full time Motor Trader.
  • Proposer Aged 30 & above.
  • Minimum of 2 years Motor Trade No Claims Bonus.
  • All drivers must have no more than 4 penalty points.
  • Any other convictions must be referred.

 Cover provided under the Four Star Policy

 1.      Windscreen Cover – Limited to one claim per policy year. Vehicle must be owned by &                                                                  registered to policyholder or policyholders spouse/partner.

All claims must be made via “ALL GLASS”.

2.      Stock of vehicles – €20,000 stock of vehicles at trade premises. If no premises address                                                             informed to the insurer stock of vehicles will not be included.

3.      Motor Cycle Cover – Full ADF&T Cover given (this applies to any driver who requires                                                                    cover but all drivers must have held full motor cycle licence for                                                                      12 months. If this cover is required the insurer must be advised                                                                  including which driver it relates to & if not advised cover will                                                                        not be included.

4.      Foreign Imports – full cover provided without loading or additional excess.

5.      American and Left Hand Drive Vehicles – full cover.

6.      Free Green Card – A green card will be issued each time a client requires same – no                                                                extra charge will apply. 

7.      Free Fully Protected No Claims Bonus – policies with a minimum of 4 years bonus will                                                                                                 be protected subject to not having more than 2                                                                                           claims in a 3 year period.

Optional Extras

  • ••   Carriage of Vehicles – This will be calculated on referral to Motor Trade Department.
  • ••   Stock of Vehicles – if higher limit than €20,000 required please refer to motor trade dept.

 

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