Written Answers - Motor Insurance Statistics.

Tuesday, 21 February 1995

Dáil Éireann Debate
Vol. 449 No. 4

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  158.  Dr. O'Hanlon  Information on Rory O'Hanlon  Zoom on Rory O'Hanlon   asked the Minister for Enterprise and Employment  Information on Richard Bruton  Zoom on Richard Bruton   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  Information on Seamus Kirk  Zoom on Seamus Kirk   asked the Minister for Enterprise and Employment  Information on Richard Bruton  Zoom on Richard Bruton   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]

  160.  Mr. Kirk  Information on Seamus Kirk  Zoom on Seamus Kirk   asked the Minister for Enterprise and Employment  Information on Richard Bruton  Zoom on Richard Bruton   the number of public liability insurance claims submitted in each of the years 1980 to 1994. [3815/95]

[991]

  161.  Mr. Kirk  Information on Seamus Kirk  Zoom on Seamus Kirk   asked the Minister for Enterprise and Employment  Information on Richard Bruton  Zoom on Richard Bruton   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]

  162.  Mr. Kirk  Information on Seamus Kirk  Zoom on Seamus Kirk   asked the Minister for Enterprise and Employment  Information on Richard Bruton  Zoom on Richard Bruton   the claims as a percentage of premia for motor insurance in Ireland and the United Kingdom for each of the last five years. [3817/95]

  163.  Mr. Kirk  Information on Seamus Kirk  Zoom on Seamus Kirk   asked the Minister for Enterprise and Employment  Information on Richard Bruton  Zoom on Richard Bruton   the average comparative cost of motor insurance premia in Ireland and the United Kingdom in each of the last five years. [3818/95]

Minister for Enterprise and Employment (Mr. R. Bruton): Information on Richard Bruton  Zoom on Richard Bruton  I propose to take Questions Nos. 158, 159, 160, 161, 162 and 163 together.

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 [992] 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.

Claims as a percentage of premia for motor insurance in Ireland are detailed below. The equivalent UK data is not supplied to my Department.

1993 91%
1992 93%
1991 101%
1990 115%
1989 113%

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.

The total number of public liability claims — excluding Lloyds' claims — for the years 1981 to 1993 is as follows:

1993 15,539 1986 15,818
1992 14,788 1985 14,198
1991 16,395 1984 13,690
1990 16,995 1983 11,646
1989 15,967 1982 9,937
1988 15,172 1981 9,590
1987 15,084 1980 Not available

The amount of premia paid for motor and liability insurance, 1980 to 1994 is as follows:

[993]Motor Insurance Premia Liability Premia
(current prices) (current prices)
Year £m £m
1993 545 168
1992 522 154
1991 486 148
1990 410 142
1989 370 137
1988 358 130
1987 344 125
1986 323 109
1985 295 82
1984 260 65
1983 233 56
1982 200 52
1981 169 48
1980 133 40

Premia Paid 1980 to 1994

A breakdown of the liability figures between (1) employers' liability and public liability, and (2) passenger and freight liability is not available.

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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