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Who's to know?


Mad as Fish

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Dec 6, 2012
Messages
24,449
The Irish Times reports this morning that insurance companies are too see the driving records of all customers held by the government. http://www.irishtimes.com/newspaper/frontpage/2013/0204/1224329606945.html

Why is personal information that is held by the government being passed on to private companies? It is either in the public domain or it is not! Apparently this complies with data protection legislation, if so, that legislation needs tightening up but it still does not excuse the principle of selectively issuing confidential data to private concerns which are beyond the discipline of the civil service.

The Department of Transport says the Irish Insurance Federation has paid part of the cost of the new electronic sharing system, which it says is compliant with data protection law.

I can well imagine that our Leo is delighted that somebody is prepared to pay to rob the individual of yet another piece of their dignity and privacy.
 


FrankSpeaks

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Apr 18, 2008
Messages
4,625
I think the insurance companies are entitled to know the details of those people who have been banned or who currently have penalty points on their licenses and why they received them. Those who engage in dangerous behaviour are riskier and should pay more.
 

Mad as Fish

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Messages
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I think the insurance companies are entitled to know the details of those people who have been banned or who currently have penalty points on their licenses and why they received them. Those who engage in dangerous behaviour are riskier and should pay more.
But that doesn't answer the case for the willy nilly distribution of personal data.
 

Didimus

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May 9, 2007
Messages
6,285
But that doesn't answer the case for the willy nilly distribution of personal data.
Section 2.10 of the Road Traffic act as amended in 2010:
" (10) A vehicle insurer with the approval of the Minister may have access to and may inspect and examine endorsements on the entry relating to persons under this section and may take, or be supplied by the Minister with, such copies of entries or extracts from such entries as the vehicle insurer may reasonably require for the purpose of renewing approved policies of insurance, subject to such conditions as the Minister may determine."

An act of the Dail is hardly willy nilly, and a publicly recorded endorsement on a publicly issued and supervised driving license is hardly private?
 

Mad as Fish

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Joined
Dec 6, 2012
Messages
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Section 2.10 of the Road Traffic act as amended in 2010:
" (10) A vehicle insurer with the approval of the Minister may have access to and may inspect and examine endorsements on the entry relating to persons under this section and may take, or be supplied by the Minister with, such copies of entries or extracts from such entries as the vehicle insurer may reasonably require for the purpose of renewing approved policies of insurance, subject to such conditions as the Minister may determine."

An act of the Dail is hardly willy nilly, and a publicly recorded endorsement on a publicly issued and supervised driving license is hardly private?
That is true and I must admit to overlooking the point about these being publicly recorded offences. But shouldn't we all have access to the system or is the government to pander to any specialist interest group that sees commercial advantage and is willing to stump up the money to plug into their databases?

Personally I don't think it will help much for as premiums rise so will the number of people driving without insurance. Indeed, I can see it leading to the situation where those with the worst record are the least likely to be insured, that is not a clever way forward.
 
D

Deleted member 34656

I think the insurance companies are entitled to know the details of those people who have been banned or who currently have penalty points on their licenses and why they received them. Those who engage in dangerous behaviour are riskier and should pay more.
Agreed. As a driver of many many years who's never had a penalty point and never had a crash I probably shouldn't have to pay any insurance at all at this stage.
 

Mad as Fish

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Messages
24,449
Agreed. As a driver of many many years who's never had a penalty point and never had a crash I probably shouldn't have to pay any insurance at all at this stage.
You will still need insurance to cover the possibility of an uninsured driver causing you damage and loss. There are enough about already without exacerbating the problem as I feel this measure may prove to do.
 

ManUnited

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Joined
Nov 16, 2009
Messages
5,221
The Irish Times reports this morning that insurance companies are too see the driving records of all customers held by the government. Details of driving offences to be released to insurers - The Irish Times - Mon, Feb 04, 2013

Why is personal information that is held by the government being passed on to private companies? It is either in the public domain or it is not! Apparently this complies with data protection legislation, if so, that legislation needs tightening up but it still does not excuse the principle of selectively issuing confidential data to private concerns which are beyond the discipline of the civil service.

The Department of Transport says the Irish Insurance Federation has paid part of the cost of the new electronic sharing system, which it says is compliant with data protection law.

I can well imagine that our Leo is delighted that somebody is prepared to pay to rob the individual of yet another piece of their dignity and privacy.
What do penalty points or driving convictions have to do with 'dignity and privacy'?
 

FrankSpeaks

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Joined
Apr 18, 2008
Messages
4,625
You will still need insurance to cover the possibility of an uninsured driver causing you damage and loss. There are enough about already without exacerbating the problem as I feel this measure may prove to do.
Garda on daily roving checkpoints (even the rainy days) covering every road on their patch and confiscating those cars without insurance will soon sort that problem out.
 

Mad as Fish

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Joined
Dec 6, 2012
Messages
24,449
Garda on daily roving checkpoints (even the rainy days) covering every road on their patch and confiscating those cars without insurance will soon sort that problem out.
What Garda would those be then? They are a dwindling force and they haven't recruited for two years as far as I know.
 
D

Deleted member 34656

You will still need insurance to cover the possibility of an uninsured driver causing you damage and loss. There are enough about already without exacerbating the problem as I feel this measure may prove to do.
You can be sure this will give insurance companies excuse to hike some premiums but no-one will get a cut.

E-flow is able to send bills to my address and my name based on the license plate of my car, yet tracking uninsured vehicles is apparently impossible. Why is that.
 

storybud1

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Joined
Oct 25, 2011
Messages
6,713
Insurance should be built into your points and an annual drivers tax implemented.
every 2 points equals €40 per year with a 3 year lifespan

Example -
clean licence no points - €200 per year
2 points = €240
4 points = €280 per year etc

There is no need for insurance companies, all crashes should be handled by adjusters that can offer repairs on tender online, personal injuries can be easily addressed for a fraction of the cost without the four goldmines getting involved.

Resitting driving tests should be mandatory every 5 years as I have met so many morons that cannot drive, even at slow speeds.

you have to laugh at the whole system, it is so stupid in how it insures morons and the lets good drivers pay for it.
 

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