Insurance Votes

Shop Insurance – Tips to help fight against Premium Increases

29th April 2019

Questions for any politician in advance of upcoming elections

My friends in the Alliance for Insurance Reform have asked me to send this to my retail friends. Any reference to the blame game being made by politicians between Insurers and the Legal Profession is nothing more than an attempt to turn attention away to a blatant lack of political will. Please ask:

Are you aware that insurance costs are closing small businesses and harming voluntary groups? (Feel free to insert your own experience here).

What are you doing about this?

What about the Garda Insurance Fraud Unit? When will it be established?

When will the huge level of awards for minor injuries be reduced?

How do we know insurers will reduce premiums when reforms are carried out?

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie

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Green Diesel Scam

https://www.irishmirror.ie/news/irish-news/crime/ira-north-korea-green-diesel-14626711?fbclid=IwAR0wIQ-TDTxmxbvsSL4f6kwdqY6JygoB-AuITm5yTOgk6eK32IEJIpj8Z-w

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INSURANCE REFORM

Hi there

The Alliance will be updating the Oireachtas Finance Committee on the insurance crisis tomorrow morning at 10am. The presentation will be live on Oireachtas TV in Committee Room 1, 2, 3 or 4.

It would be much appreciated if you could boost the social media presence for this story on Facebook or Twitter tomorrow by liking, sharing, commenting or retweeting narrative from ourselves and ISME, who are also presenting, using the hashtag #InsuranceReform

Many thanks

Peter

Copyright © 2019 Alliance for Insurance Reform, All rights reserved.
You are receiving this email because you contacted us or attended one of our meetings about the insurance crisis in Ireland.

Our mailing address is:
Alliance for Insurance Reform
Stradbally North
Clarinbridge, Galway na
Ireland

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INSURANCE PREMIUMS

Notice from Gerry Monks

Please copy and refer to your local politicos!

Shop Insurance – Tips to help fight against Premium Increases

12th February 2019

Insurance in Ireland is Broken and your help is needed to fix it

I’m certain that the cause of the problem is widely known. The values in the Irish Book of Quantum, (our price list for injuries), are multiples higher than in the UK when our population is less than one tenth their size. The reward for those either staging or exaggerating an injury claim is unsustainable and the penalties for those caught staging them simply don’t exist.

Many of you will have heard me speak of my support for the Alliance for Insurance Reform and I want to applaud and thank them for achieving the amendment to Section 8 of the Civil Liability Act 2004 where reporting of personal injury accidents have now been reduced to 1 month. This in itself is of significant benefit to our efforts to provide a defence and I can confirm having already benefited by the change.

Yet this is only one of the Alliance’s 10 Asks. It is my view that Government have been presented, not just with the problems, but with the solutions as well. Government simply have to deal with the other solutions which will otherwise see many more business closures and job losses simply due to inability to pay for or even get insurance.

The Alliance is backed by many groups and organisations many of which you are members of. Please be vocal with your local politicians. This issue has to be tackled without further unreasonable delay.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie
Copyright © 2019 JDM Insurance Services Ltd, All rights reserved.
Information provided by your insurance advisor

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Shop Insurance by Gerry Monks

Shop Insurance – Tips to help fight against Premium Increases

15th January 2019

Wash/Clean Floors – NEVER during opening hours

Please don’t think that by putting out a yellow Wet Floor Warning Sign that this will relieve you of any degree of responsibility/liability for persons slipping.

Floors should never be washed while your shop is open for business. This should only ever be done after the shop has closed. If this prevents staff from leaving work at their designated time then, if necessary close earlier to accommodate this.

If a spillage occurs during opening hours, a staff member should stand over it guiding customers as well as any other staff away from the resultant hazard. They should summon another staff member to get mop, cloth, paper towel or whatever will dry/clean the hazard. Putting out a yellow warning sign does not remove the hazard.

As you know I keep returning to this specific subject. I will continue to do so as long as it continues to be the most frequent and costly cause which contribute to the horrendous premium increases experienced by retailers.

Solutions to premium cost increases have been brought to Government by the Alliance for Insurance Reform but until they choose to take action we must all increase our efforts to prevent the cause and/or opportunities for claimants to obtain compensation which far exceed our European neighbours’ levels.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie
Copyright © 2019 JDM Insurance Services Ltd, All rights reserved.
Information provided by your insurance advisor

Our mailing address is:
JDM Insurance Services Ltd

Melrose House
Dundrum Road

Windy Arbour, Dublin 14 D14 C1H5

Ireland
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2019

Happy New year to all who visit this site and check out prices etc

have a great year and may the future be full of pleasant surprises

Admin

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Risks and Advice

Useful Advice from Gerry Monks

Shop Insurance – Tips to help fight against Premium Increases

31st October 2018

Slips & Trips – Remove Fire Hazards

We’ve reached that time of the year when our fire fighters will be called upon once again to deal with the carelessness of too many whose carelessness endanger their own and the lives of others. Every year Dublin Fire Brigade alone receives 1,100 emergency calls to deal with at Halloween.

Please make sure that no waste is left outside your premises that can be used for illegal bonfires.

When insurers carry out surveys of retail shops one of the most frequent Risk Improvement Requirements that I have seen over the years is the removal of waste which is regarded as a fire hazard.

Thank you.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560

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B R E X I T

DocDroid

brexit-truth-revised.pdf

Page 1 of 5
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Shop Insurance Tip Re CCTV by Gerry Monks

Shop Insurance – Tips to help fight against Premium Increases

15th August 2018

Retain CCTV Footage – The Camera Doesn’t Lie!

A number of my retail friends have urged me to return to this subject having realised how critically important it is. I will say that I have experienced numerous incidents when a formal claim, (by solicitors letter), is received by a retailer more than 30 days after the alleged date of the incident. You will no doubt be aware that CCTV Footage invariably is lost after 28 days.

In such cases where CCTV footage of an incident has not been retained, the chance of defending an alleged incident is seriously damaged. I will also say that when I ask why a copy of the footage was not made and retained I am told, “there was nothing wrong with him/her” or “nothing really happened.”

It must also be said that the absence of CCTV Footage of an incident is used by the claimants legal representatives to allege that it was deliberately not retained as it would have been detrimental to the retailers defence and in the event that it does go to court it can very easily prove to be the factor that sways a judge into finding in favour of the claimant.

Take a copy of every/any incident that could give rise to a claim. Whilst Data Protection Legislation only permits retention of footage for up to 28 days they do allow it where it is justified. It is very simple to justify the fact that a potential claimant is allowed, in accordance with the Statute of Limitations to bring a claim for anything up to 2 years following the incident.

There are regulations relating to the use of CCTV. For example you must post prominent notices, (for example at all entry points), notifying persons of your use of CCTV giving the Name of the Controller and their Contact Details. See example below:

Above all else, please remember to contact me to discuss every/any incident. We will discuss the most appropriate action that is in your own best interests.

Thank you to my friend and associate Stephen Glennon for his advice on this matter.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie

Copyright © 2018 JDM Insurance Services Ltd, All rights reserved.
Information provided by your insurance advisor

Our mailing address is:
JDM Insurance Services Ltd

Melrose House
Dundrum Road

Windy Arbour, Dublin 14 D14 C1H5

Ireland
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EV Alliance across Europe Shell and Car makers

https://venturebeat.com/2017/11/27/shell-partners-with-carmakers-to-bring-ultra-fast-electric-car-chargers-to-european-highways/

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