Monthly Archives: March 2014

Public Liability Insurance: What is it, and do I need it?

Note that this article is for information only. Paddy Compare does not provide any legal advice relating to the purchase of any insurance product and you should speak to qualified persons before deciding on a policy for your needs.

Although public liability insurance isn’t usually a legal requirement, the nature of many businesses will bring their staff into contact with other people (the general public). Therefore, in law, a ‘duty of care’ is owed to these people. This should ensure that they, and their property, do not come to any harm as a result of your negligence.

However accidents do happen, and negligence by the business may result in damage or injury, and liability for any quantifiable loss. The cost of a claim for negligence can be substantial – thousands or millions of euros, but generally public liability insurance is available at a relatively small cost, to insure you against the risk of claims.

With the increasing number of ‘no win no fee’ lawyers, the numbers and values of claims are increasing, and some businesses don’t realise the requirement, or the importance of being covered. Some clients will insist on certain levels of cover, for example if you are cleaning for a local authority, or working in a government office, hospital or airport.

A business is not liable for every accident or damage that takes place within its property or whilst carrying out its day-to-day business. The claimant will have to prove that:

  • They were owed a duty of care by you
  • You failed to exercise that duty of care
  • They suffered a quantifiable loss as a result
  • The loss was a foreseeable result of the breach

There are hazards everywhere, but by reducing the consequence and the likelihood of these hazards occurring, you are reducing the risk, and hence contributing towards exercising your ‘duty of care’. In typical scenarios this may be by:

  • Displaying warning signs to warn of slippery surfaces or other hazard
  • Adequate training of staff
  • Security measures like CCTV, safes, locks, smoke detectors
  • Safe systems of work such as hoardings, scaffolding and welfare
  • Maintaining and regularly servicing equipment
  • Recording and communicating clearly

Public Liability cover is very specific, and it is important to be open with your insurance provider so as to purchase the correct policy. In order to limit the risk, insurance companies may place limitations on the activities you carry out, or the places in which you work, and you should carefully consider these before purchasing the policy. Your policy will probably be subject to an excess, so check that this is affordable before accepting the terms. You may need 3rd party cover, for example a photographer may need cover for damage caused to property whilst working away from their office.

Paddy Compare works with a number of public liability insurance brokers who can offer liability insurance for your specific needs. As well as our generic PL insurance form for fitness instructors, artists, car valeters, gardeners, window cleaners, painters, and arts and crafts, Paddy Compare also has specific links with insurers that provide insurance for shops, offices, pubs, tradesmen and salon owners. Whatever your insurance requirement, let Paddy Compare help you get in touch with someone who understands your insurance needs.

Irish property prices on the rise – Cheap home insurance at PaddyCompare

Residential property prices fell in Dublin in February 2014 while house prices outside of the City rose for the first time in months. That made property prices outside Dublin nearly 5% higher than this time last year. Experts suggest that national prices are beginning to improve again due to a rise in repossessions and an increase in new builds.

Is the value of your home on the rise or do you own a new build? Your circumstances do not matter. At Paddy Compare you can compare home insurance in Ireland free of charge. In seconds you could be saving big on your home insurance Ireland. Our property insurance specialists contact you with competitive quotes and it is up to you to decide on what is best for you. Simply complete our one page house insurance Ireland quote form. Paddy Compare is fully authorised and ready to help you find a great deal on your home insurance today.

Cheap minibus insurance in Ireland at Paddy Compare!

Do you own a minibus and need insurance? If the answer is yes, then Paddy can help. At Paddy Compare you can compare minibus insurance Ireland from our minibus insurance specialists and you could be saving in minutes. It doesn’t matter what make or model of minibus nor does it matter what your vehicle is used for. Our partner insurers will cover all types of vehicle and situation to include private hire, public hire, charity, club, educational, childcare, church or company minibus insurance. The price of your minibus insurance policy will depend on the level of cover, the number of passengers and years no claims. So for cheap minibus insurance quotes in Ireland use Paddy Compare today.

Where will your caravan, campervan or motorhome take you this year? Compare Insurance today!

As the evenings begin to stretch and the afternoons warm, many of you may be beginning to plan your summer excursions for 2014. Thousands of Irish will take the opportunity to travel around Ireland, the UK or France this year, and what better way to do it than in your own caravan, VW camper or motor home.

June, July and August will be the most popular months for such excursions, with Dublin, Galway and Cork being some of the most popular destinations. Insurance doesn’t just provide peace of mind; it is a legal requirement for many vehicles and many people leave it until the last minute to organise.

Paddy Compare work with a number of specialist insurance brokers that provide cover for all types of caravans, motorhomes and campervans. Try Paddy Compare today to compare the best insurance prices, but most of all, enjoy your summer trip!

How to become a taxi driver and get a taxi PSV licence in Ireland!

Are you interested in a career that offers both flexibility and reward? If so becoming a taxi driver could be the answer. You will need to know how to become a taxi driver and how to get a PSV taxi license. Taxis and small public service vehicles are regulated by the National Transport Authority. Their duties include overseeing the licensing of all taxis, hackneys and limousines, processing applications, issuing and renewing licences for SPSVs. All this is done through a network of 32 regional centres. You will need a SPSV Driver Licence which involves completing an application to the Garda Síochána and sitting a SPSV Entry Test in order to obtain your SPSV driver ID card. You will also need a SPSV Vehicle Licence which are issued by the NTA to applicants who meet certain conditions and whose vehicles meet the required standards. The cost to renew your licence for a period of 1 year is approximately €125. For more details on how to get a PSV taxi licence and how to become a taxi driver please click here.

Once you get your licence and you are ready to start working you will also need to make sure you have the right taxi insurance cover. Finding cheap taxi insurance in Ireland is easy with Paddy Compare. Simply enter your taxi details into our taxi insurance quotes form and our taxi insurance specialists will be in touch with competitive policy prices to suit. For taxi insurance Dublin, Galway, Cork or anywhere in Ireland, try Paddy Compare and save money today.