Tuesday, 21 February 1995
Dáil Éireann Debate
158. Dr. O'Hanlon asked the Minister for Enterprise and Employment the number and cost of motor insurance claims against drivers in various age groups for the last year for which figures are available. [3737/95]
159. Mr. Kirk asked the Minister for Enterprise and Employment the amount of insurance premia paid for public liability, motor insurance, passenger and freight and employers liability for each of the years 1980 to 1994. [3814/95]
161. Mr. Kirk asked the Minister for Enterprise and Employment the exact or estimated percentage of all personal injury awards that were in respect of pain and suffering for each of the years 1980 to 1994. [3816/95]
I refer the Deputies to the reply which I gave in the Adjournment debate on insurance costs on 2 February 1995 in this House. In my reply I indicated that my Department has been examining the key factors contributing to high insurance costs and in this regard is evaluating the findings of domestic and international research studies on comparative costs across EU member states.
Data is not available in the precise form requested by the Deputies in every case, particularly in relation to the United Kingdom and statistics for 1994. However, I can supply the following information. Claims information collected by my Department from motor insurers is not broken down by age of driver. In 1993, the latest year for which motor claims information for motorists in general is available, Irish insurers  received 103,792 claims and it is estimated that 11,682 claims were incurred but not reported to them. Insurers estimate that the cost of these claims will be £506,875,524.
It should be borne in mind that Lloyds, which has approximately 2.5 per cent of the motor insurance market, does not supply claims information to my Department on the same basis as the other motor insurers and the claims figures quoted above are exclusive of Lloyds' claims.
There are a range of estimates of the levels of pain and suffering awards as a percentage of personal injury compensation, for example, 65 per cent to 80 per cent. The estimates are drawn from a number of sources using different methodologies and information bases. The departmental evolution to which I have referred is attempting to arrive at more reliable estimates.
|Motor Insurance Premia||Liability Premia|
|(current prices)||(current prices)|
Data is not available for each of the last five years. However, a survey carried out by the Motor Insurance Advisory Board in 1992 showed that the average premium per registered vehicle in Ireland was IR£401 and the comparative figure for the UK was IR£268.
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