[ By kind permission of Gerry Monks ]
Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.
10th December 2019
I want to thank a good friend and someone who is professionally qualified to address this topic – Adrian Power-Kelly of Power Kelly & Co, Chartered Valuation Surveyors.
ARE YOU INSURED FOR THE RIGHT AMOUNT?
Every insurance policy includes an Average Clause. This provides that if you under insure then you will only receive a proportionate payment in the event of any claim. Under insure by 50% and even a €10,000 claim will give you a €5,000 payout and leave you short by €5,000. Similarly over insuring won’t give you a larger payout.
Many people confuse the Market Value sales price of a property with its rebuild cost – this is a common mistake. For example a commercial premises of 100 sq. m. (1100 sq. ft.) might sell for €400,000 but only have a rebuild cost of €250,000 – the opposite can also be true. Getting proper advice from a property professional about the correct valuation can make sure you pay the correct premium but more importantly make sure you don’t get left high and dry for €10,000’s in the event of being under insured.
Adrian Power-Kelly
Adrian Power-Kelly FRICS FSCSI ACI Arb RICS Reg Val
Power Kelly & Co
Chartered Valuation Surveyors,
Mespil Business Centre,
Sussex Road,
Dublin 4,
D04 T4A6
Tel; +353-1-2314643
Fax; +353-1-2314642
Thanks Adrian!
Always remember - call us to discuss any/every incident. We will advise and guide you.
Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie
Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.
6th October 2019
How to deal with someone claiming from you
Never attempt to deal with a formal claim until you have reported the matter to your Insurer as to do so could easily prejudice their subsequent chance of a defense and could lead to them refusing to deal with a claim. Always call your Insurer to discuss and agree the appropriate response.
In the case where someone approaches you informally, please remember it costs nothing to be a nice person and being overly-defensive or angry simply will not help.
Please read the sentence below and put it to use.
Always remember - call us to discuss any/every incident. We will advise and guide you.
Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
The attached link is a BBC review of the Lithium Mining in Argentina and the Environmental damage being inflicted
https://www.facebook.com/bbcnews/videos/1705428569591167/?v=1705428569591167¬if_id=1571657207910808¬if_t=watch_follower_video
The addition of taxes will not change the behaviour of the general public in any great numbers.
What needs to happen is direct action by the organs of the state in relation to its own use of transport and power
Schedule all public transport by 2025 to be electric driven in cities including trains
Switch off unnecessary power such as lighting at night from midnight all across the country
Late night usage of power to be limited to emergency services such as hospitals and nursing homes and essential services .
Cease the school bus programme for other than special needs children . Encourgae cycling or walking no matter what the distance ….It was an essential part of growing up in times past and there was very little obesity as a result (two problems dealt with in one!)
Government driven solar energy on all public buildings ..Museums, Government offices, Sate run bodies to have solar power units …hospitals, etc etc
Multiple Park and ride facilities throughout the country for all major towns and cities
nominal transfer charges from car to town and return
Tax all foreign holidays outward bound with a levy to assist green projects only
More to follow
Admin
CSNA Skillnet
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Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.
9th August 2019
Forced Entries Alert
They are extremely quick and will have fled the scene well in advance of the arrival of the retailer and/or Gardai.
Be aware that these incidents inevitably occur just after the targeted retailer has had a delivery of cigarettes. There are frequently apparent false alarm activations a few days in advance which indicate that they are calculating the amount of time they will have to the alarmed response.
Please consider if the storage of your cigarettes is adequate and if indeed it could be better. Review your intruder alarm protections. Have you an adequate number of PIR, (Passive Infra-Red), detectors – including in your attic? Your alarm system should be connected to a central Monitoring Station. Ideally with a dual link including phone and GSM with a pulse system to alert the Monitoring Station if/when your alarm has been deactivated.
Don’t allow yourself to be their next easy target.
Always remember - call us to discuss any/every incident. We will advise and guide you.
Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie
If all energy is constant and we continue to need to do the things we have always done then how can switching to electricity save the planet ?? The energy to create and use for production, transport and shipping etc is the same ??
The solution lies some where else , me thinks
We need to do less and use energy more sparingly .
A photograph taken from the International Space station showing the earth at night time with the developed world fully illuminated while the third world is in darkness says it all?
Turn off the lights ..for a start !!
Admin
“”So much for Bill’s Electric car strategy.
I recently did some work for the body corporate at the Dock 5 Apartment Building in Docklands in Melbourne to see if we could install a small number of electric charging points for owners to charge their electric vehicles. We had our first three applications. We discovered:
These advocates of electric vehicles only by 2040 are completely bonkers. It takes 5-8 years to design and build a large coal fired power station like Loy Yang and even longer for a nuclear one (That’s after you get the political will, permits and legislative changes needed). Wind and solar just can’t produce enough. Tidal power might but that’s further away than nuclear
It’s just a greenies wet dream in the foreseeable future other than in small wealthy countries. It will no doubt ultimately come, but not in the next 20 years.
A pensive and contemplative.
Bob Morgan”
