Author Archives: Stephen

Are you a window cleaner? Compare Insurance today!

Paddy Compare has been offering public liability insurance for some time, with a number of established brokers providing competitive quotes for your business. Window cleaning often interfaces with the general public; whether you’re cleaning windows for shop owners or for domestic customers, you may need to window cleaning insurance.

So if you’re a window cleaner and would like to get a great deal on your liability insurance, try Paddy Compare today, for all your Irish comparison needs!

www.paddycompare.ie/window-cleaning-insurance

Builder Insurance from Paddy Compare

Builders can be involved in many projects, be self-employed, work for construction firms, be a sub contractor or run their own business, therefore each builders insurance policy can be very different.

Paddy Compare has recently launched it’s builder insurance service, to help you get the cheapest quotes on builders liability insurance. We are working with some fantastic brokers across Ireland, so try us today and see how much you can save!

http://www.paddycompare.ie/builder-insurance

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Oil slump cuts costs for Irish households

Commuters will have noticed the difference at the pumps, as global oil prices have fallen significantly in recent weeks. Although the reductions are significantly diluted by VAT and duty, it is reported that oil stabilising at 70 USD per barrel in 2015 could result in savings of €120/year, and that’s before heating oil cost savings are accounted for.

Brent Crude Oil is the name given to the lightweight, low sulphur oil produced in the North Sea, and serves as a major benchmark price for purchases of oil worldwide. The price has dropped from $80 to around $60 per barrel in the past month, and that’s down from $115 in June. Weak economic activity, increasing efficiency, political turmoil, increased production in the USA and decisions of Saudi Arabia and it’s oil producing neighbours not to curb production are all factors that have led to the decline.

Price falls like this have more knock-on effects on production. Extraction from North American shale and Canadian sands is expensive (up to $100/barrel to break even), and hence less favourable during such times. On the other hand, it costs just $5-6 to extract oil from the extensive, shallow fields in Saudi Arabia.

How are the falling oil prices affecting you? Will it stay this way?

SPSV Vehicle Licence – How to become taxi driver

Paddy Compare’s guides give useful guidance on insurance-related topics in Ireland. The latest addition to this page is an update on the ‘How to become a taxi driver’ guide which we published recently.

It gives information on the process of applying for both a Public Service Vehicle Licence (taxi plate), and a SPSV Driver Licence, along with costs and links to more information and relevant forms. We hope you find this to be useful if you are thinking of becoming a taxi driver in Dublin, or wish to know the cost of being a taxi driver anywhere in Ireland.

The article can be found by clicking here.

Paddy Compare Guides – 10 steps to become a taxi driver in Ireland

Over the coming months, Paddy Compare will be releasing a series of guides to help with various insurance and business-related tasks. The first of these, aimed at those who are looking to become a taxi driver in Dublin, or anywhere else in Ireland, is now under way: how to become a taxi driver.

The guide currently covers the steps required to apply for the first of the licences required; the SPSV Driver Licence. It will shortly be extended to also give guidance on applying for, and obtaining a SPSV Vehicle Licence (taxi plate). We will update you on when this is the case.

Hope this helps!

Compare cheap car insurance quotes in Munster

Paddy Compare has recently launched its Car Insurance comparison service for customers located in Clare, Cork, Kerry, Limerick, Tipperary and Waterford.

With the recent introduction of the 142 plate, figures released by the Central Statistics Office (CSO) show the number of new private cars licensed for the first time rose by 50.8% to 14,037 in July, compared to June this year.

So if you are fortunate enough to own a newly registered vehicle, or you just want a cheap quote on your car insurance renewal, try Paddy Compare today.

Liability insurance for summer gardeners

Ireland has seen a strong spell of good weather over the last few weeks, and many green-fingered tradesmen are taking on some additional evening and weekend work, and putting their skills to good use.

Such work for neighbours, friends and family is usually of a casual nature. However, it is the gardener’s responsibility to consider adequate liability/tradesman insurance is in place to cover any damages to the public whilst carrying out their services, should something go wrong. Those carrying out services such as tree-felling may have higher premiums than those cutting grass, due to the additional risk.

Paddy Compare provides one short form which enables you to compare PL insurance from a wide range of liability insurers in Ireland. Make the most of your additional time with cost-effective tradesmen insurance, and see how much you could save.

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.

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!