Camphire International Horse Trial Event

Wexford Insurances would like to wish the best of luck to the organisers and competitors taking part in the Camphire International Horse Trial Event running over the weekend of August 3-5th 2012 in County Waterford.Following the success of the last few years, this event has produced some of the highest performances in International Eventing and this year is providing a three star trial course to challange it’s competitors.

They will also host a new CCI** class in addition to the CIC***. There are also CIC* and CIC* 5 and 6yr old classes included in the schedule, along with National Young Horse classes and Pony and Sportsman classes. On-site stabling will be prioritised for CCI** and overseas competitors

The Camphire International Event organisers have taken the event to new heights by enlisting renowned course designer, Mike Etherington-Smith to design a world class CIC*** course for the 2012 competition.

Set in undulating parkland on the banks of the river Blackwater, Camphire has been hosting national horse trials under the rules of Eventing Ireland for the past ten years.

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9 steps to take if you are involved in a car accident


 9 steps to take if you are involved in a car accident

Below are some simple but often essential steps to take when you are involved in a motor vehicle accident. Please note that this information is published for general informational purposes only and does not constitute legal advice.

1. Do not leave the scene
If you are involved in a motor vehicle accident, Irish law requires you to stop. Do not leave the scene of the accident. If you do not stop, you may be charged with leaving the scene of an accident, even if the accident was not your fault.

2. Take safety precautions
You should put on your hazard lights and/or use a warning triangle (if you have one) in order to warn other motorists and prevent another accident. If the accident is on a corner instruct somebody to warn oncoming traffic of the danger.

3. Call the Gardai and get documentation
Attend to your injuries and your passengers’ injuries, and make sure that any responding parties such as the Gardai or ambulance personnel know about all injuries. It is important to contact the Gardai and have an independent accident report created to document the facts. The Garda report should include all relevant information, including but not limited to the names, addresses, phone numbers and insurance companies of all parties involved in the accident. If you are physically able to do so, ask the reporting officer if they obtained the insurance information of the other driver(s). In any event, you should always obtain the following information:

(a) the other driver’s name, address, date of birth, telephone number, driver’s license number and expiration date, and insurance company and policy number;

(b) the other car’s make, year, model, license plate number and expiration date, and vehicle identification number (VIN);

(c) if the driver does not own the car, the names, addresses, telephone numbers, and insurance companies of the other car’s legal and registered owners; and

(d) the names, addresses and telephone numbers of any passengers in the car.

4. Take a picture or draw a diagram
If possible, you should personally look at and write down the license plate information of all the other vehicles involved in the accident. If you have a camera with you and you are physically able, it is extremely important to take PHOTOGRAPHS of the vehicles at the accident scene, preferably in the position that they came to rest after impact (if it is safe to do so). If you do not have a camera, draw a simple diagram of the accident; to the best of your ability, draw the positions of the cars involved, before, during and after the accident.

5. Identify witnesses
If you are physically able, try to obtain and write down the name, address and phone number of anybody who witnessed the accident, before they leave the accident scene. Often, people involved in an accident see or even talk to witnesses but fail to get their names. If witnesses leave before the police arrive at the accident scene, you may never be able to locate them. Independent witnesses are often crucial to determining fault for an accident.

6. Watch what you say
Avoid discussing the accident with anyone other than the Gardai or your insurance company. What you say can and probably will be used against you in a court of law. Do not discuss who was to blame with the other involved parties,  it is up to either the courts or the insurance companies to decide  who was at fault. Be courteous, but be extremely mindful of your choice of words.

7. Get medical attention for your injuries as soon as possible
Sometimes the severity of injuries is not immediately known, and what may appear to be a minor or moderate injury can eventually become much more serious. This is especially true with head injuries or possible internal bleeding that may not be evident to you immediately following the accident. Sometimes pain may also be hidden by the fact that the patient is suffering from shock and the extent of an injury may not emerge until sometime after the accident, therefore you should always get checked by a medical professional.

8. Call your insurance company
Contact your insurance broker or insurance company and give them whatever information they need regarding the accident. This is especially important if the other driver does not have insurance, or if you are hit by a hit-and-run driver, who flees the accident scene. You are required to notify the Gardai as soon as possible after the accident occurs.  

9. Take good photographs
It can be helpful if you do not have a camera in the car at the time of the accident, you take PHOTOGRAPHS of the property damage to your vehicle and any injuries you suffered in the accident. Try to take the photographs outside in good light from as many different angles as possible. If you do not have good lighting or you are taking photographs indoors, make sure that you use a flash when taking the photographs.



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Wet weather driving


Due to the amount of wet weather driving are experiencing in Ireland at the moment, road safety should be of the utmost importance to all motorists. According to the Road Safety Authority as many as 24% of accidents happen while vehicles are driven in wet conditions and that two main types of driving can be at fault for this. Driving too fast or to slow can be equally dangerous in bad weather conditions as other drivers may not be able to see you before it is too late. All vehicles are more difficult to see in dark and damp conditions but especially so when spray from other road users is present for this reason all drivers should travel while using at the very least their parking lights or preferably dipped headlights when driving in rain or on wet roads.

1. Routinely check your tyres…

Always check your tyres before you start your journey. Make sure you do the following routine maintenance:

Keep your tyres properly inflated. The correct air pressure for your tyres is specified by the vehicle manufacturer and can be found on the vehicle door edge, door-post, and glove box door or fuel door. It is also listed in the owner’s manual. The number listed on the side of the tyre is not the recommended air pressure for your tyre – it is the maximum air pressure for the tyre. You should check your tyre’s air pressure at least once a month.

Check the tyres tread depth. Proper tread depth will help prevent skids and aquaplaning, the current legal limit in Ireland is 1.6mm.

2. Slow down.

As rain falls, it mixes with grime and oil on the road creating slick conditions perfect for skids. The best way to avoid skidding is to slow down. Driving at a slower pace allows more of the tire’s tread to make contact with the road, which leads to better traction.

3. Know how to recover from a skid.

Skids can happen even to the most cautious drivers. If your car does skid, remember not to slam on the brakes. Do not pump the brakes if you have an anti-lock braking system (ABS). Instead, apply firm, steady pressure to the brakes and steer the car in the direction of the skid.

4. Keep your distance from the car ahead.

Wet-weather driving demands gentle use of all the main controls – steering, clutch, brake and accelerator – and a larger allowance for errors and emergencies. When you begin a journey in rain, your shoes will be wet and can easily slip off the pedals. Scuff the soles on the rubber matting or carpeting of the car before you start the engine. All motorists should regularly check that their headlights, rear lights, brake lights and turn indicators are working properly. It takes about three times longer to break on wet roads than on dry roads. Since more distance is required to brake, it is important not to tailgate. Keep at least three car lengths between you and the vehicle in front of you.

5. Drive in the tracks of a car ahead of you.

Avoid using your brakes. Whenever possible, slow down by taking your foot off the accelerator. Turn your headlights on, even in light rain. Not only do they help you see the road, but they’ll help other drivers see you. If your car has daytime running lights, you should turn them on, so vehicles behind you can see you better.

6. Prepare for your journey.

Wet-weather driving demands gentle use of all the main controls – steering, clutch, brake and accelerator – and a larger allowance for errors and emergencies. When you begin a journey in rain, your shoes will be wet and liable to slip off the pedals. Scuff the soles on the rubber matting or carpeting of the car before you start the engine. All motorists should regularly check that their headlights, rear lights, brake lights and turn indicators are working properly.

7. Learn how to avoid and deal with aquaplaning.

Aquaplaning happens when the water in front of your tyres builds up faster than your car’s weight can push it out of the way. The water pressure causes your car to rise up and slide on a thin layer of water between your tyres and the road. At this point, your car can be completely out of contact with the road, and you are in danger of skidding or drifting out of your lane, or even off the road. To avoid aquaplaning, keep your tyres properly inflated, ensure that the tread of your tyres is above the legal limits as this expels the water from between the tyre and the road surface. Tyres should be replaced when necessary, if you drive a lot on main roads it is likely that your average speed will be quite high and it is advisable not to let your tyres wear down to the legal limit. Slow down when roads are wet, and stay away from puddles. Try to drive in the tyre tracks left by the cars in front of you. If you find yourself Aquaplaning, do not brake or turn suddenly. This could throw your car into a skid. Ease your foot off the accelerator until the car slows and you can feel the road again. If you need to brake, do so gently with light pumping actions. If your car has ABS, then brake normally; the car’s computer will mimic a pumping action, when necessary.

8. If the rain becomes too heavy, stop!

Heavy rain can overload the wiper blades, allowing an almost continuous sheet of water to flow over the screen. When visibility is so limited that the edges of the road or other vehicles cannot be seen at a safe distance, it is time to pull over and wait for the rain to ease up. It is best to stop at rest areas or other protected areas. If the roadside is your only option, pull off as far as possible and wait until the heavy rain passes. Keep your headlights on and turn on your hazard warning lights to alert other drivers.

9. First rains make the road very slippery.

The first rain always make the roads the most difficult to drive on, as the mud and oil on the dry road combines with the water and forms a rather slippery layer. Drivers are likely to experience reduced control, and are cautioned to be extra careful for the first half-hour after it begins to rain.

10. Cloudy weather reduces visibility.

Use extra caution when passing other vehicles.

11. Dry your brakes after driving through standing water.

If you have driven through standing water deep enough to get your brake shoes wet, apply the brakes lightly to dry them.

12. Don’t drive while fatigued.

Stop at least every couple of hours or every hundred miles to rest.



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Motor insurance in Ireland

Motor insurance in Ireland is a legal requirement for all drivers while driving a vehicle in a public place and you must produce a current Certificate of Insurance to purchase motor tax for any vehicle. Failure to have motor insurance while driving in Ireland is a very serious offence. Drivers will incur penalty points on their driving license along with having to pay financial penalties and may be disqualified from driving (more detail can be found in the section “Rules” below) if found to be driving without the required minimum level of insurance in place.

Motor insurance to protect third parties from any injury or loss as a result of the actions of the vehicle which you are driving is compulsory.  Comprehensive Insurance, covering loss or damage to your own vehicle is available at an extra cost from most insurance companies and can be taken out at the discretion of each individual driver. There is no standard cost for motor insurance as under Irish legislation the insurance company can set the premium based on the driving history and experience of the insured driver/s.

Statistics show that young drivers represent a higher risk for insurers and as such the cost of motor insurance in this age group is considerably higher for them both in Ireland and throughout the European Union (EU). There are a number of things young drivers can do to reduce the cost of motor insurance:

  • Join a parent’s insurance as a named driver as early as possible. This will enable you to establish a safety record, which can often be transferred when you want to apply for insurance in your own name. Some companies will offer discounts to young people seeking insurance in their own name if they have been a claim free named driver on another policy.
  • Get a full licence as soon as possible. Holding a full licence clean of penalty points can reduce the cost of your insurance premium considerably. Savings will likely vary from one insurance company to another, but it is possible for a young driver to save a vast amount (up to €900 or more) on the cost of his or her insurance premium simply by having a full driving licence.
  • Choose a car with a relatively small engine, as less powerful cars are cheaper to insure.
  • Drive carefully. The best way to reduce the cost of your motor insurance is to build up your no claims bonus. Again many insurance companies are offering a “No Claims Bonus” to accident free drivers with experience as a named driver on another policy held under their cover.

Motor insurance and the Equal Status Act

(Section 5(2)(d)) of the Equal Status Act, 2000 allows differential treatment in relation to the calculation of insurance policies in Ireland. This means, that insurance companies are allowed to charge higher or lower rates for policies on the basis of your potential risk as a driver. Given that younger drivers in Ireland are statistically more likely to have accidents, this explains why there can be sizeable differences in insurance costs between younger and older drivers.

Types of motor insurance policy in Ireland

The most basic insurance is “third party” and this is the minimum required by law. However, third party is only one of three main categories.

  • Third party. This is the minimum cover required by law, but it does have restrictions and limits, leaving you open to substantial loss in the event of an accident. If you are at fault, then only your passengers and the driver and passengers of the other vehicle will be compensated. This type of insurance provides no cover for injury to you or damage sustained to your car in an accident or if your car is stolen or goes on fire.
  • Third party, fire and theft. This is the most popular form of motor insurance in Ireland. It covers you for loss of the vehicle through fire or theft and for any loss as a result of attempted fire or theft. Damage to property is also covered. There are also optional extras available such as windscreen breakage.
  • Comprehensive. This is the most expensive type of insurance on the market and covers you for almost every eventuality: any damage done to the vehicle regardless of how it was incurred; life/accident insurance; loss of personal belongings from the car; the cost of a hired car if the insured car is off the road as a result of an accident; windscreen breakage, etc. With more brand new cars on the road than ever before, there has been a notable rise in people taking out comprehensive insurance. A brand new car should be comprehensively insured.

An insurance company considers many things when calculating an insurance premium. Most premiums are based on basic third party cover with the cost of extras added on. The main thing that will determine the cost of your insurance is what you actually want to be covered for. The following are always taken into account:


Whether you are driving on a full or provisional licence makes a huge difference to the cost of your motor insurance premium. You can expect to pay hundreds of euro extra, if you only have a provisional licence.

Size and age of car

The engine capacity and age of the car play a large part in determining the cost of your premium. The older the car, the more difficult it can be to insure. Many insurance companies believe that the older a car is, the more accident-prone it becomes. A new car is more expensive to replace than an old car and will cost more to insure. Likewise, the more powerful the car you drive, the more it will cost to insure.

Age of the driver

The young and the old represent high-risk categories and pay more for insurance.

Value of the car

The value of a car is taken into account for third party, fire and theft and for comprehensive insurance. What you have the car insured for, however, is not always what the insurance company will pay out in the event of a claim. In the event of the car being a write-off, the insurance company will only pay out what it feels the car is worth, which, more often than not, is less than the car is actually insured for. There is very little to gain by over-insuring a car and, equally, you should not under-insure it either.


All insurance companies will ask if you have ever had insurance in your own name before. If not, they will ask if you have ever driven under someone else’s insurance without incident. This will be taken into account when calculating a premium. Insurance becomes less expensive with experience and a clean driving record.

Profession and use

Some professions are considered to be more at risk than others and will have a loading put onto their premium. What the car will actually be used for is also taken into account. A standard policy covers the vehicle for social, domestic and pleasure purposes, but not for the carriage of goods. If the car is being used for business, then a loading will apply. If the car is being used commercially, then an even higher loading will likely be imposed.

Where the car is kept

Those living in a major city, particularly Dublin, will normally have a loading imposed. Some companies will also impose a loading if the car is not kept in a garage at night.

Excess and extras

Most insurance policies contain some type of an excess clause. This means that the policyholder is liable for an agreed amount towards the cost (e.g., the first 250 euro). The premium will cost more if this clause is taken out. It pays to shop around, because what might be considered an extra in one company (windscreen breakage, car hire in the event of the car being off the road, loss of personal effects, etc.) could be standard in another.

No claims bonuses

A no claims bonus is built up over the years and gives the policyholder a substantial reduction in the cost of his or her premiums. The ceiling for a no claims bonus is usually around 60%, leaving someone who has never had a claim with only 40% to pay. In the event of a minor accident, it is sometimes cheaper to pay for any damage out of your own pocket rather than claiming from your insurance and losing your no claims bonus. If you make a claim and subsequently lose your no claims bonus, you can build it up again in a few years. Some insurance companies will even allow you one claim without it affecting your no claims bonus.


You must have motor insurance to drive a car in your own name or as a named driver on someone else’s policy. Failure to have motor insurance or driving without insurance in Ireland is generally punishable by:

  • A fine of up to €2,500
  • Disqualification of one year or more for a first offence and two years or more for a second offence, and
  • At the discretion of the court, a term of imprisonment not exceeding six months.

In the case of a first offence of driving without insurance, the court may decide in special cases not to impose a period of disqualification or to impose a period of disqualification of less than a year.

Since 1 June 2003, where the courts in Ireland decide not to impose a disqualification, drivers convicted of a first offence of driving without insurance will incur 5 penalty points on their licence record in addition to any other penalty imposed by the court.

If you commit a second offence for driving without insurance, you will be automatically disqualified from driving. You should also note, that where a member of An Garda Síochána (Irish police force) believes that a vehicle registered in Ireland (or outside Ireland) is being used in a public place without insurance, the vehicle may be impounded.

If you are refused motor insurance

Individual insurers “have the right” to refuse you cover, but they “must provide you with a reason” for the refusal should you ask for one. However, even though you have been refused cover, you are entitled to submit an application to the Declined Cases Committee of the Irish Insurance Federation who will obtain an insurance quotation for you. In order for the Committee to consider your case you must first have sought and been refused quotations in writing from at least three insurers. This should be only be considered as a last resort option however, as the premium sought to secure any insurance in this situation will likely be very high.

How to apply

You can apply for motor insurance over the phone, in person or through a motor insurance broker. Motor insurance companies and insurance brokers are listed in public telephone directory. If you want to drive as a named driver on someone else’s policy, then that person must contact their insurance company and arrange to have you insured under their policy.

For all your insurance needs

To setup a policy to protect you and your loved ones from any financial loss due to accidental damage or loss of your property contact us at

Tel. 0818 31 30 30



Or call into us at;

Wexford Insurances
86 South Main Street

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Looking for something to do in Wexford this weekend.


Looking for something to do in Wexford this weekend. The Irish National Heritage Park is delighted to offer a two-day bow-making course with renowned bow-maker Mike Hanrahan. Mike is probably the foremost authority on traditional bow-making and archery in Ireland.   He is passionate about his craft and deeply knowledgeable about techniques and traditions worldwide. This promises to be a fascinating rediscovery of what was once a live-or-die skill for our ancestorsOver the course of two days in the incredible setting of the Irish National Heritage Park you will learn about the art of the bow-maker and the use of bows in hunting and warfare.  First and foremost, however, this is a practical hands-on course.  You will learn to shape and form traditional bows, to make string from natural raw materials and to make, point and fletch arrows.   All materials and equipment will be provided but if you wish to bring any of your own tools, all that you will need is a rasp, a pocket-knife and a small plane.  At the end of the course, you will leave with your own bow that you have made yourself! This course is aimed primarily at adults, but older children (from 14yrs) are welcome to attend with a parent.  The day begins at 10.00 and continues to 16.00 with breaks for lunch.  Full restaurant facilities are available on-site.  This is an intensive course and no more than six places are available.

We are keeping numbers small to ensure that everyone receives the one-on-one attention they need.  Book soon to avoid disappointment! Tickets are €100

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9th of June 2012 – 10th of June 2012
Time: 10am- 4pm
Contact: The Irish National Heritage Park
Telephone: +353 53 9120733
                                                                                                                                                                                                                                                  Wexford Insurance logo + Locall no.
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Cannonball Ireland is an annual gathering of supercar enthusiasts and drivers.



Cannonball Ireland is an annual gathering of supercar enthusiasts and drivers. The group will drive in convoy on an intrepid and picturesque trip amongst some of Ireland’s most breath taking roads and scenery while raising funds for charity and is a fantastic spectacle for any performance car fans.

The 2012 Cannonball will take place on the 14th to 16th of September. The event will include upward of 150 classic and modern supercars covering 1000 km around Ireland to the delight of both owner/drivers and spectators alike over three days. The rally will start in Merrion Square Dublin on Friday the 14th and travel to Ballymena Co. Antrim where it will break for lunch at the Galgorm Resort and Spa. Following lunch the cars will travel the Giants Causeway Coastal Drive to the days finish in Belfast City where they will remain for the night.

On Saturday the group will depart Belfast and travel through Lisburn and Craigavon and on to Enniskillen Co. Fermanagh where they will stop for a meal at the Lough Erne Resort. The afternoon will see the convoy journey through Sligo City and Tuam to finish for the night in Galway.

The Sunday leg of the event will leave Galway in the morning heading to County Kilkenny. The location of both the lunch stop and also the celebrations at the event finish are undisclosed so as to leave an element of surprise for the participants.

There will be some truly amazing cars on show and as this is not a race, spectators will have a great chance to see and hear some of the most prestigious and unique cars from around the world as they parade through the breath taking landscapes and charming cities and towns along the 2012 route which will make this one of the most memorable motoring events you are likely to see.


As Commercial insurances brokers to Cannonball Ireland Wexford Insurances are delighted to offer the following policies to cannonballers and their associates:

High Value Car Insurance

High Value Property Insurance

Motor Trade Insurance

Health Insurance

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Blue-chip Kentucky sire Dynaformer dies.


Blue-chip Kentucky sire Dynaformer dies.

Stallion Dynaformer passed away on Saturday last while at his long-term home of Three Chimneys Farm in Midway Kentucky . The stallion suffered an aortic valve rupture only a couple of weeks after being pensioned from his stud duties. At the age of 27 he was one of the highest-achieving American stallions on the world stage in recent years.

Case Clay, president of Three Chimneys said of the stallion, “Dynaformer impacted the industry in a way that few ever have or will,”.

“More than that, though, he was an awe-inspiring horse to be around. He commanded respect and his toughness was undeniable to the very end. He reminded me a lot of Seattle Slew in that when you were around him, you knew you were in the presence of greatness” Case also remarked.

Dynaformer has sired 130 stakes winners from 21 crops at race. His Bloodline has earned in excess of $105 million to date with 61 Graded winners including 25 that achieved at the highest level.

Three Chimneys stallion manager Sandy Hatfield remarked that “He commanded respect and total attention at all times,” and  “He had earned every bit of his reputation as being one of the toughest stallions in the industry, but when it came to his job in the breeding shed, he was a total professional. In my opinion, our industry has lost one of the greatest sires it will ever see.”

Dynaformer, who stood a massive 17 hands high enjoyed cult status among US breeding fans due to his can do attitude, won seven races including the Grade 2 Jersey Derby for D. Wayne Lukas and was initially retired to Wafare Farm at a fee of $5,000.

From his initial crop of just 47 foals, 46 went onto race and from that group came five stakes winners, including Breeders’ Cup Juvenile runner-up and Kentucky Derby third Blumin Affair. Dynaformer was moved to Three Chimneys for the 1995 breeding season.

With his stud fee advertised at $150,000 for this year, he enjoyed the accolade of being the joint-dearest stallion in the US alongside Bernardini and Street Cry.


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New iPad Review (2012 – Third Generation)


New iPad Review (2012 – Third Generation)

Whether users like it or not Apple have kept with their yearly cycle, and have released the new iPad (third generation), to further their lead in a tablet market they have dominated since the release of the original iPad. Having over 200,000 apps available through iTunes for the iPad, not to mention a good number of universal apps that help buyers exploit apps purchased for the iPhone platform, the operating system is incredibly versatile. Also worthy of mention is the advances in iOS 5.1, the software that manages to deliver extremely powerful functionality while remaining very user friendly. The new iPad is all about raising the processing power so as to take advantage of the new software. Join us for our comprehensive new iPad review as we put it through the paces.

What makes this new iPad better:
When talking about the new iPad, the feature that is front and center is the new retina display. For those who enjoy raw specifications, the display provides a resolution of 2048 x 1536. It boasts 44 percent greater colour saturation and pushes 3.1 million pixels within a 9.7-inch space. In short that gives performance to match the iPhone 4S but in a much larger screen which it a lot more versatile.

How good are the retina display graphics on the new iPad?
The one consistent throughout my use of the new iPad was the level of clarity when it comes to text. Web browsing, email and other daily use tasks are immediately elevated by the quality of the display. Try as you might, you would be hard pressed to see any pixelisation when reading text. Most every task or activity outside of games often includes interaction with typography in some form, so you’ll have immense appreciation for the clarity and contrast delivered by the screen.

If you pinch and zoom, the comparison between the new iPad and the iPad 2 isn’t as drastic as one would expect. Type appears crisper in comparison when there is no zoom. This is significant because most of us are not constantly zooming in on type. There is less of a need for zooming, due to clarity of the type.

When viewing your home screen, app icons are more detailed, vibrant and rich with colour. Some applications are better served by the inclusion of text, then by the included retina graphics. TweetBot is a graphically rich app, but the retina display version is not leaps and bounds ahead of the iPad 2. Having such high resolution graphics on a device does change some things when it comes to usability. Take TweetBot for example, where inline images pop up and take a quarter of the screen as compared to a full screen image. Workarounds include pinch and zoom, but here’s where you might meet the dreaded pixelisation, since not everyone on the Internet is delivering retina display graphics. With the cost of bandwidth, this is not simply a matter of web designers creating retina friendly images, so expect disappointment with regards to images on most websites. In some ways, the Internet is not ready for such an advanced display of this size.

When it comes to movies and videos, iTunes has started to offer movies and TV shows in 1080p. While the clarity of the picture is appreciable, it’s not as if you are in a dark room and something had just turned on the lights. For me, the last one was very good, but this one is better.

The genre of apps that stands to gain the most benefit from retina graphics are games. When you play games like Real Racing 2 HD, the level of detail each pixel is apparent. Retina-display capable games like Modern Combat 3: Fallen Nation provide for a 3D experience without the glasses. When you combine the ultra-realistic visuals with the excellent gameplay we’ve come to expect, the new iPad is among other things, a console-game quality device in your hands. The only difference being the large number of insanely good games at low prices. Modern Combat 3 is a universal app and it’s only $0.99.

How’s the battery life on the new iPad
If you’ve used an iPad previously, then you were initially aghast at how long they last in between charges. This is most certainly one of the reasons why some folks have ditched their laptops while travelling. Apple rates the new iPad as having up to 10 hours of surfing the web on WiFi, watching video or listening to music. This number takes a slight hit to 9 hours if utilizing the 4G LTE network. These are the same numbers associated with the iPad 2. Apple includes a larger 42.5-watt rechargeable battery in the new iPad as compared to 25-watts in the iPad 2.

In my non-scientific testing, I found no major difference between the two. I charged both and played an hour long episode of Smash. My aim was to see if the retina display of the new iPad caused any hit to the battery during playback. I was pleasantly surprised that the newer model edged out the old by an additional 3% of battery life. Normal use also seemed to return familiar findings of terrific battery life.

If there is a negative on the battery, it’s the extended charging time required to get a full charge. The iPad has always had a history of charging very quickly, no different than an iPhone. That’s not the case with this new iPad. Using USB to my Mac Pro, I started at 4:52 pm with 50%. At 10:17, it was still at only 92%. The excellent battery life of the device can easily offset this drawback, if you are diligent about plugging it in on a regular basis.

How hot does the new iPad get?
For some reason, this device has become the piñata of consumer electronics. If anyone suspects a chink in the armour of new Apple product, it’s big news. Does the new iPad get warm? Yes, it does with extended gameplay, watching 1080p HD movies or other activities that will push the limits of the graphics, battery and so forth. Would most people prefer that it stayed cool to the touch? Yes, is it a deal breaker that it gets warm?

For most people, it should not affect your decision one way or the other. If for some reason this is troubling to you in any way, then opt for the iPad 2, which does not experience any noticeable change in temperature.

Bluetooth 4.0 Is A Pretty Big Deal
Bluetooth 4.0 is supported on the new iPad. In fact, it’s the only tablet that supports the new standard which allows for power efficient accessories. The new technology is expected to be included on most new smart phones coming out by the end of this year. That should mean an increase in Bluetooth 4.0 accessories. Imagine adding a Bluetooth keyboard with battery that will last a year. That’s a pretty big deal, so this is a major addition that shouldn’t get lost in the shuffle.

Faster Processor, More RAM
Apple touts a number of internal changes. First up, the processor has been bumped from the dual-core A5 to a dual-core A5X, bringing with it quad-core graphics necessary to push all those beautiful pixels around the 9.7-inch screen. I did a number of side by side app launches, with a slight advantage to the newer A5X powered tablet. Apple doesn’t specify RAM numbers, but it’s been doubled from 512MB to 1GB. These are very capable specs, keeping performance in line with its predecessor while adding improved graphics.

Slightly Thicker, Heavier
The new iPad measures 0.37 inches in depth, with a weight of 1.44 pounds compared to 0.34 inches and 1.33 pounds on the 2. I’ve seen people mention that the difference is so minimal that you wouldn’t notice. That’s wasn’t my experience. While sitting up in bed late on my first night reading an iBook, I noticed the additional heft. Over time, my opinion might change, but I longed for the svelte super model thinness accomplished by shaving 0.03 in depth and 0.11 pounds.

If the roles were reversed and this new iPad had cut down the dimensions, Apple and the media would be raving about the triumph of thin. Instead, this feels like a compromise for the added graphics.

What are the storage capacities?
You can select from three storage configurations. Memory sizes of 16GB, 32GB or 64GB in either colour (black or white) are available.

Buyer’s TipApplications will increase in size due to the inclusion of new graphics, thus having a direct impact on storage. Select a storage capacity that’s comfortable for you and allows room for comfortably adding apps, movies and music.

Faster wireless networking with 4G LTE: For an additional cost customers can opt for either a 4G LTE compatible new iPad. This will allow you to use your new iPad outside of a WiFi network, provided you have an associated wireless plan with your preferred carrier. The maximum download speeds are 42 Mbps with DC-HSDPA and up to 21.1 Mbps with HSPA+. We are using a WiFi only version for the purpose of this review so will not be able to directly provide an opinion on download speeds. Speeds are directly related to coverage in your area along with signal. This forum thread shows speeds that some our members are seeing and everythingiCafe writer Michael Baturin has seen speeds of up to 40.49 Mbps download and 11.81 Mbps upload.

With affordable plans and ultra-fast speeds, this enables you to push the capabilities of your new iPad without needing a WiFi connection. You should note that while these speeds are quite good, Face time is not supported over 4G LTE. What is supported is the ability to utilize your new iPad as a personal hotspot. This enables other devices, including a laptop to utilize the data connection on your tablet.

Buyer’s TipMake sure you check the wireless coverage in your area. Carriers have excellent 3G coverage, but their rollout of 4G LTE is still far from complete.

Buying Into the iOS Ecosystem
If you are comparison shopping, there really is no comparison when it comes to ecosystems. Apple’s App Store has over 200,000 applications that have been optimized for their tablet. A good number of apps are universal, meaning that you purchase them once and can utilize them on both the iPhone and iPad. That means that current iPhone owners likely have a stable of apps that will be compatible with the new iPad.

Dictation offers Siri-like features
Apple injects the familiar ‘Siri’ icon into the keyboard within apps. Tapping it allows you to speak and allow your spoken words to become written words. Unlike Siri, this doesn’t act as a personal assistant. You cannot set reminders by voice or find a restaurant, etc. I’ve been critical of Siri on our podcasts, for it’s failure to work properly and the speed required to process simple tasks. It pings Apple’s servers before being able to answer a request. I was pleasantly surprised by the speed and accuracy of dictation.

Improved camera optics
Taking pictures with a tablet is awkward at best. The 5-megapixel camera has improved optics and the photos are much improved. It won’t replace your point and shoot, but it’s the first capable camera we’ve seen on an iPad. With front and rear-facing cameras, this makes it ready for Apple’s free Face time video chat, which works like a charm. We weren’t able to test video between two new iPads, but did not notice any improvement in video quality when conducting a Facetime call with an iPad 2.

Should I upgrade from the iPad 2 to the new iPad?
The new iPad is the best tablet available by far, but the feature upgrades led by the impressive retina display graphics are simply not enough to justify moving up from a thinner, lighter and still extremely capable iPad 2.


  • Stunning display
  • Siri-like Dictation
  • 4G LTE
  • Fast UI and experience
  • Nice stable of included apps
  • iOS Ecosystem
  • Improved optics
  • Support for Bluetooth 4.0
  • Works with *most* existing iPad accessories


  • Slightly thicker, heavier
  • Increased time required for charging

With an advanced easy-to-use operating system in iOS 5.1, a vast array of applications, Apple continues to lead the way in both software and hardware. The slight increase in depth and weight are still relatively minor when compared to the stunningly beautiful pixel density of the retina display, which ultimately will make you want to use your iPad more. For most, it becomes the best looking display in your house. You will want to use the new iPad to view your photos, play games, watch movies, read books, check email and surf the web. Every encounter with text whether it is on the web or in downloaded books will leave you amazed at the clarity. With the optional 4G LTE version, it brings with it ultra-fast connections, allowing you to do more on the go. The improvements continue throughout with improved camera optics, support for Bluetooth 4.0 and the Siri-like dictation feature.

This year’s iPad (2012) sets the bar by which other tablets will be judged and that bar right now is incredibly high.


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Some reasons for having the right Directors & Officers Liability Insurance in place


Directors & Officers liability insurance is a type of business insurance which provides financial protection for directors and officers of a company in the event that they are liable to pay damages or legal costs for misconduct or wrong doings (including negligence) in connection with the company’s business.

Under company law Directors and Officers may be held liable personally to all parties with an interest in the affairs of the Company. Directors and Officers Liability Insurance is a form of Professional Indemnity cover for Company Directors and Officers. D & O insurance is  payable to the directors and officers of a company, or to the organization itself, to cover damages/defense costs suffered as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the company.

D & O Liability Insurance Policy benefits available from Wexford Insurances on request include;

  • Infringement of duty
  • Breach of trust
  • Neglect, inaccuracy or exclusion
  • Misleading statement
  • Mismanagement
  • 24hrs worldwide
  • Breach of contract
  • Mergers and acquisitions
  • Former directors and officers
  • Disability discrimination act
  • Racial/sexual/age discrimination
  • Pollution
  • EU regulations and directives
  • Breach of warranty or authority
  • Legal defence costs
  • Compensation awards
  • Settlements
  • Investigation expenses
  • Consumer protection
  • Insolvency act
  • Data protection act

Some reasons for having the right Directors & Officers Liability Insurance in place;

  • Personal assets of Directors and Officers can be accessed by authorities.
  • Directors do not enjoy limited liability.
  • If a company goes into liquidation it cannot indemnify you.
  • The company laws apply to companies both small and large.

If you would like to find out more about costs and cover to protect your company’s directors and officers from financial loss, or any other insurance needs you may have, please contact Wexford Insurances on;

Tel: 0818 31 30 30


Or call into us at;

Wexford Insurances
86 South Main Street
Wexford Town

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Regulation although effective within the Irish Insurance industry will be increased to reflect the ongoing growth in business according to the Central Bank.


Regulation although effective within the Irish Insurance industry will be increased to reflect the on going growth in business according to the Central Bank.

Matthew Elderfield head of financial regulation at the Central Bank of Ireland has told the European Insurance Forum, that the number of regulatory staff overseeing the Irish insurance industry is to increase to 113 this year. This will happen in conjunction with an increase in actuarial staff and also the appointment of a director of insurance whom will answer directly to Mr. Elderfield.

Mr. Elderfield also remarked that “The Irish financial crisis – a banking crisis – does present a lot of lessons to be learned about the way regulation and supervision generally didn’t work effectively in Ireland. The various reports on the crisis, and also my own observation, highlight not only banking-specific problems but also some fundamental gaps in the basic regulatory infrastructure that applies across all sectors. These include an absence of effective standards for corporate governance and fitness and probity and also weaknesses in how the Central Bank is resourced and organized for front line supervision”. Mr. Elderfield also stated that in his opinion however, “the rule book for banks shouldn’t be Xeroxed wholesale onto insurance”.

Mr. Elderfield described the Irish insurance sector to his audience as “one of the clear financial success stories” in Ireland, despite the downturn, and said the industry was “well positioned” to expand and provide a “platform for increased activity when the insurance and economic cycle returns to growth conditions”. The Insurance Industry in Ireland adds significantly to the country’s economy with more than 300 licensed insurance and reinsurance companies operating, and writing €58 billion of gross written premium in 2009 alone.

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