Category: Blog

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The lead up to your driving test can be a nervous time, and it’s easy to feel like you have a hundred different things to remember all at once. The good news is that a little preparation goes a long way. Just knowing what to expect and what to check before you arrive at the test centre can take away a lot of the stress and let you focus on your driving.

To help learner drivers feel ready, KennCo Young Driver Ambassador, Brendan Tierney, tells us the last-minute checks you should run through before your driving test.

Have Your Driving Documents In Order

Making sure you have your paperwork and documents ready to go before you leave the house gives you one less thing to worry about. Brendan recommends that you have everything you need checked and ready before the test. This includes: 

• Your Learner Permit – Make sure you have your learner permit ready to show the tester before the test begins.
  
  
• Proof of insurance, tax and NCT – Make sure to bring all your vehicle documents and that they are valid – and remember that you now need to bring your insurance certificate with you!
  
  
• Your glasses, if you need them – If you wear glasses or need them for driving, don’t forget to bring them along. You’re also allowed to wear sunglasses during the test so bring a pair with you if it’s sunny or bright conditions.

Check Over Your Car Before Your Driving Test

If your car isn’t roadworthy, then you won’t be allowed to leave the test centre. And your tester will also expect you to be able to demonstrate your car’s controls. With this in mind, Brendan suggests a few quick checks on the car itself to save you from an easy slip-up on the day.

• Tyres – check the tread depth of your tyres and make sure they’re properly inflated.
  
• Lights – Your indicators and brake lights must be in working order.
  
• Dashboard Warning Lights – There should be no warning lights showing on your dashboard when you start the car.
  
• Engine and technical checks – Make sure you know your technical checks, as the tester will ask you about them.
  
• Hand signals – Know them and be ready to demonstrate when the tester asks.
  
• L Plates – Make sure that your L plates are displayed correctly. 

Getting Yourself Ready for the Driving Test

Being prepared isn’t just about getting your car ready. How you feel on the day can matter just as much to your driving. Remember: nerves before your driving test are normal. It’s how your brain helps you prepare for an event. But it’s important to control those nerves and not let them affect your driving during the test. To help you keep you calm on the day, Brendan advises that you:

• Sleep well – A good night’s sleep beforehand will help you stay alert and focused.

• Allow plenty of time – Give yourself more than enough time to get to the test centre so you’re not rushing.

• Do a short warm-up drive – A quick practice drive before the test can help settle the nerves.

• Remember the tester wants you to pass – They’re not trying to catch you out.

 

It’ll Be Over Before You Know It

The actual driving part of the test lasts roughly a half hour, so it’ll be over sooner than you think. Just try to relax and concentrate on your driving. If you do make a mistake, refocus and move on. You can make a number of mistakes and still pass the test so it’s not about perfection. As Brendan puts it, passing your driving test isn’t about perfect driving. It’s about safe, confident driving and good observation.

Starting Out as a Young Driver with KennCo

Passing your driving test is a huge milestone and marks the start of your life as a safe, fully licensed driver. When that day comes, knowing you have reliable cover lets you enjoy your newfound freedom, while also having full peace of mind. KennCo provides comprehensive car insurance for young drivers, including those just starting out. Contact a KennCo advisor today to discuss your cover, or get a quick, competitive online quote. 

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E-scooters have become a common sight on Irish streets over the past few years, whether it’s for the daily commute or a quick spin to the shops. But for a long time there was a fair bit of confusion about whether they were actually legal to use on the road. In May 2024, legislation was introduced to make E-scooters legal on public roads in Ireland, as long as they meet certain standards and E-scooter users follow the rules of the road.

Below we’ll break down what counts as an E-scooter under the law, where you can and can’t use one, the penalties for getting it wrong and where you stand when it comes to insurance.

Please note that this post serves as a guide only. It is not an interpretation of the current Irish legislation and should not be taken as legal advice.

What Are E-scooters?

An electric scooter or E-scooter is a small, two-wheeled stand-on vehicle that’s powered by an electric motor. They are designed to be used by one person only, with the user or rider controlling the scooter using handlebars. In Irish law they fall under a category called “powered personal transporters,” or PPTs, which was created by the Road Traffic and Roads Act 2023. The detailed rules that govern them come from regulations that commenced on 20 May 2024.

It’s worth clearing up a common mix-up here. E-scooters are not the same as e-bikes. An e-bike has pedals and is treated differently under the law. The rules below apply specifically to E-scooters.

Are E-scooters Legal on Public Roads in Ireland?

Since May 2024, you can legally use an E-scooter on public roads in Ireland, provided the scooter meets the standards set out in the regulations. If it doesn’t, then it may not be legal for road use. So, it’s always worth knowing the risks and checking the specification before you buy or ride one.

E-scooters are also treated differently from cars and motorbikes in one important way: they do not require motor tax or insurance to be used on Irish roads. More on the insurance side further down.

What Are the Rules for E-scooter Users?

According to the RSA, E-scooter users meet and follow a specific set of rules. The main ones are:

• Users must be aged 16 years or older
• Users must keep to a speed limit of 20 km/h
• E-scooters must drive on the left and only in cycle or bus lanes and on local, regional or national roads.
• Users must abide by the same rules of the road as cyclists, including obeying Garda instructions, traffic lights, road signs and pedestrian crossings. 
• E-scooters must have front and rear lights and reflectors; as well as be fitted with an audible bell or warning device 
• E-scooters must also be kept in a roadworthy conditions at all times

Additionally, E-scooter users are not permitted to: 

• Drive on footpaths, pedestrian areas or on the motorway
• Hold or use a mobile phone while driving 
• Have a seat fitted on their E-scooter
• Carry passengers

Under the current Irish legislation, E-scooter users are not required to wear a helmet or hi-vis clothing while riding. However, it is highly recommended that users wear a bicycle helmet at all times when riding an E-scooter, and wear high-vis or reflective clothing, especially at night or in poor visibility. 

Are There Technical Specifications for E-scooters? 

To be considered road-legal, E-scooters must comply with a specific set of technical specifications for construction, electrical guidelines and robustness under EU directives. Under these rules, E-scooters must:

• Have a maximum continuous rated output of 400w or less.
• Have a maximum weight of 25 kg, including batteries
• Have a maximum design speed of 20 km/h or less.
• Have wheels with a minimum diameter of 200mm.
• Be fitted with front and rear lights, reflectors, brakes and a bell.
• Be fitted with a manufacturer’s plate certifying the power output, weight and design speed.

Any E-scooter that does not conform to the above standards is deemed illegal for use in public, and can be seized by An Garda Síochána. 

Fines and Penalties for E-scooters

While the rules are fairly straightforward, breaking them can land you with a fine. Offences include using an E-scooter that doesn’t meet the technical standard, exceeding the limits, carrying a passenger, riding on a footpath, or users being under the minimum age.

Being found in breach of the rules can result in a fixed charge notice (FCN) being issued to the user of the E-scooter and include:

Offence	Fine
Electric scooter exceeding the speed limit.	€50
Driving an electric scooter in a public place without reasonable consideration for other people using the place.	€50
Failure to stop electric scooter for a school warden sign	€50
Failure to stop an electric scooter when so required by a member of Garda Síochána	€50
Using an electric scooter to carry goods	€50
Using an electric scooter to carry passengers	€50
Using an electric scooter equipped with a seat	€50
Using/holding a mobile phone while driving an E-scooter.	€50

A full list of FCNs that apply to E-scooters can be found on the RSA website.  

New Laws for E-scooters in Ireland

The Irish government has approved a stricter set of rules for the use of E-scooters in Ireland. Set to be introduced in August 2026, the new regulations ban anyone under the age of 18 from using an E-scooter. It will also be mandatory for E-scooter users to wear helmets and hi-visibility clothing and on-the-spot fines for all E-scooter offences will increase to €100, while fees for the release of detained E-scooters will double.

Insurance Considerations for E-scooters

This is where E-scooters differ from cars and motorbikes. Because they’re classed as powered personal transporters, E-scooter users are not legally required to have motor insurance, motor tax or even a driving licence. In other words, you don’t need to insure an E-scooter the way you would a car, and you can’t take out a motor policy on one.

That said, it’s still worth thinking about a couple of things:

Insurance Liability and E-scooters
If you injure someone or damage their property while riding, you could be held personally responsible for the cost. E-scooters aren’t covered by the Motor Insurers’ Bureau of Ireland the way uninsured or untraced motor claims are, so E-scooter users may be held liable for damages.

E-scooter as a possession
Some home insurance policies may cover an E-scooter against theft or damage as one of your belongings, or might possibly include a level of personal liability cover. Cover varies from policy to policy, so it’s important to check your own documentation or ask your insurer.

What to Do If You’re in an E-scooter Accident

If you’re involved in an accident while using an E-scooter, the steps are the same as for any road incident:

Make sure you and anyone else involved are safe, and move out of the flow of traffic if you can. If anyone is injured, call the emergency services immediately. All serious collisions should be reported to An Garda Síochána.

Exchange details with any other parties involved, and take photos of the scene if it’s safe to do so. And seek medical attention for any injuries, even minor ones. And keep a record of your injuries and medical expenses. 

If you think you may be liable for damage or injury, or if your scooter was damaged or stolen, you should contact your insurer and provide full details of the incident. 

 

Are E-scooters Legal in Ireland?
FAQ’s

 

 

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When it comes to insurance in Ireland, most of us know that some types are compulsory. For example, you can’t legally drive on Irish roads without car insurance. Home insurance, though, is a different story. It isn’t required by law, and because of this some homeowners might wonder whether they really need it at all.

The short answer is that while home insurance isn’t a legal requirement, it’s one of the most important protections you can have – and is still often required. Below we’ll look at why home insurance matters so much, what it actually covers, and the one situation where you may be required to have it after all.

Is Home Insurance Compulsory in Ireland?

Unlike car insurance, which is a legal requirement for driving on public roads here in Ireland, there’s no law that says you have to insure your home. You’re actually free to own a house in Ireland without having any insurance cover in place. 

Not required by law and not needed are two very different things though. Going without home insurance means that if something goes wrong, the full cost of putting it right falls on you. And as we’ll see, there’s one very common situation where you might be required to have home cover.

Why Does Home Insurance Matter?

For most homeowners, your house is almost certainly the most expensive thing you’ll buy, and the most valuable asset you own. In the event that something serious does go wrong, the cost to rebuild, repair or replace can be high and may not  be something you can afford to pay out of pocket. Home insurance is there to protect you against exactly that.

It’s also worth remembering that the cost to rebuild a home isn’t the same as its market value. It’s the total cost of physically rebuilding the property from the ground up. And it includes the cost of labour, materials and other fees. This is why it’s important to insure your home for the correct amount. The Society of Chartered Surveyors Ireland publishes a rebuilding cost calculator that can help you work out an estimated cost for your area.

What Does Home Insurance Cover?

Home Insurance is usually made up of two parts, which you can often take together or separately:

• Buildings insurance usually provides cover for the structure of your home, (things like the walls, roof, floors and other permanent fixtures) in the event of accidental damage or against fire, storms and flooding.
  
• Contents Home Insurance only covers your belongings against loss or damage. This is a popular option and is highly recommended for renters. 

A lot of home insurance policies will also include extras, such as :

• Liability cover, which protects you if someone is injured on your property and you’re held responsible.
  
• Alternative accommodation or Loss of Rent, which helps with the cost of somewhere to stay if your home is left uninhabitable after an insured event.
  
• Freezer Cover, which covers loss or damage to your freezer contents. 
  
• Garden Cover, protecting outdoor sheds, structures and certain contents.
  
• Loss of keys

While the above examples are included in KennCo Home Insurance policies, cover can and will vary based on your policy and insurer, so it’s always worth reading your documentation or checking with your individual insurer to find out what’s covered. 

Do You Need Home Insurance If You Have a Mortgage?

This is normally the situation where home insurance stops being optional and becomes mandatory. While it isn’t a legal requirement, mortgage lenders in Ireland will almost always require you to have home insurance in place as a condition of the mortgage. 

So, if you’re applying for a mortgage or if you have a mortgage, you’ll effectively need to take out home insurance for as long as you’re paying back the bank. 

Are Home Insurance and Mortgage Protection the Same Thing?

Home insurance is separate from mortgage protection. The two do different jobs, and it’s worth understanding both. Mortgage Protection is a specific type of life insurance that lasts for the length of your mortgage and clears off any remaining balance in the event of your death.  While there are some exceptions, lenders are legally required to make sure you have mortgage protection in place before allowing you to draw down your mortgage.

What If You’re Renting?

If you’re renting, the responsibility of insuring your house or apartment falls to your landlord, not you. But it’s important to know that this building cover doesn’t extend to your possessions. If you want to protect your furniture, jewellery, electronics or any other possessions against loss or damage, you’ll need to take out your own contents insurance policy. And while it can be easy to overlook or ignore as a tenant or renter, replacing everything you own out of your own pocket is a daunting prospect.

What Happens If You Don’t Have Home Insurance?

Home insurance is one of those things that’s better to have and hopefully never need to use. Because if the worst does happen, having reliable home protection in place can make all the difference. Otherwise, you’d be left to carry the full cost of repairing damage, replacing contents or even rebuilding your home from scratch.

Protect Your Home with KennCo

Your home is where life happens. Knowing it’s properly protected gives you peace of mind that’s hard to put a price on. Whether you own or rent, KennCo offers comprehensive home insurance designed to protect your property and the things that matter most to you. Contact a KennCo advisor today to discuss your policy, or get a competitive online quote.

Is Home Insurance a Legal Requirement in Ireland?
FAQ’s

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Drivers across Ireland regularly engage in carpooling, lift sharing or vehicle sharing arrangements as part of their daily commute to work or for social trips. And if you’re receiving petrol money from passengers, you might wonder if this has any effect on your car insurance. Let’s look at the specifics below.

When Vehicle Sharing Is Covered By Insurance

Under your KennCo policy, receiving payment or contributions from passengers in your vehicle as part of a car or lift sharing arrangement, such as for social or similar reasons, is generally not considered carrying passengers for hire, and it will not affect your insurance cover.

This is accepted on the basis that your vehicle sharing arrangement does not breach any of the following conditions: 

• Total payments or contributions received do not involve an element of profit.
• Your vehicle is not constructed or adapted to carry more than 7 passengers (excluding the driver).
• Passengers are not being carried for any business purpose.

Contacting Your Insurer About Car Sharing

Taxis and other commercial transport services require a different type of motor insurance. Running a vehicle sharing arrangement for profit or as a business will likely void your car insurance policy and you won’t be covered in the event of an accident. 

If you have any doubt or are unsure about whether a vehicle sharing arrangement is covered by your KennCo policy, please contact a KennCo customer advisor or ask your insurer before entering into an arrangement.

Need to Discuss Your Policy?

If you have any questions about your KennCo policy, contact our team today to review your cover or new customers can get a quote to stay fully protected on the road.

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If you are involved in a road traffic accident or a car accident it’s likely that emergency services may be called to the scene. In Ireland, when the fire brigade receives a call out to an incident, there is usually a charge for the service they provide. And, while these charges play an important role in helping to fund the cost of the fire service, they can be hefty. Leaving many Irish motorists wondering who picks up the bill – you or your car insurance?

Fire Brigade Call Out Charges

Fire brigades and local authorities across the country apply a charge for attending domestic and commercial incidents under the Fire Services Act 1981.  This fee covers the operational cost of responding to an emergency. Charges are normally set by each local authority or county council and can vary based on the type of incident.

For road traffic accidents, charges are normally sent directly to the owner of the vehicle involved. In cases where multiple vehicles might be involved, each owner may receive an individual charge from the relevant fire authorities or local council.

Does My Car Insurance Cover Fire Brigade Charges

Typically, most comprehensive motor insurance policies will provide cover for fire brigade charges, but conditions or limits may apply so it’s always best to contact your insurer. 

Under KennCo comprehensive car policies, we will contribute up to €385 towards any charges levied by a fire authority in line with the Fire Services Act 1981, provided they arise from a valid claim caused by an incident that is covered under your insurance policy. 

If fire brigade call out charges are levied as a result of a collision with another vehicle or because your car suffered damage from an impact, you must have the appropriate level of cover in place for this benefit to apply.  

What to Do If You Receive a Fire Brigade Charge

If you receive an invoice from a local fire authority following an accident, contact us as soon as possible and provide full details of the incident. Do not ignore the bill, as local authorities can pursue unpaid fees. Our claims team will advise you on how your claim should be handled  so it can be processed up to the policy limit.

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With hot weather appearing and disappearing over the last few weeks it is important to keep your pets safe while both in and around the home. You might think letting them roam around outside is a great idea but in reality it’s important to know what care your pets need during hot weather, and how to keep them cool this summer.

How To Keep Your Pets Cool In Hot Weather

1. Don’t leave your pet in the car – We have all heard the horror stories on social media going viral over the last few years of animals being left in cars with disastrous endings. You might pop into your local Tesco to grab a few bits and you come back to your car and it’s like a furnace. Regardless of whether you can leave the windows open a few centimeters or not your pet will be uncomfortable and in danger being left in the car. If you do see a dog or other animal locked in a car on a hot day, the ISPCA advise that you try to determine how long the dog has been left in the car (look for a pay and display ticket on the dashboard, for example). And if the pet is showing signs of distress or overheating, then contact the Gardaí immediately or dial 999 /112.

2. Avoid walking your dog during peak sun hours – The best times for walking your dog during the hot weather is early morning or late evening. You can check the temperature of the ground by pressing your fingers on the ground for 5 seconds. If you can’t leave your fingers on the ground then it is too hot for your dog also. Just like humans, dogs can get sunburnt through their fur and around their nose.

3. Keep your house cold – Leaving your windows open during the heat when possible will really help your pets stay comfortable during the day, if you have house pets. You will often find your pets in the coolest part of your house during this weather so helping them stay cool will keep them comfortable.

4. Shade – If you keep your pets outside make sure they have a shaded area they can rest under during the day

5. Food & Water – Plenty of water kept in the shade to keep your dog hydrated. Adding some ice cubes to the water is a good idea to keep the water cold for longer. Like humans, your dog may not feel hungry during warmer weather. Monitor how much your dog is eating if they are prone to undereating.

6. Avoid dog grooming – Although you might think that by getting rid of your dog’s longer fur it will cool your pet down, it may do more harm than good. Fur acts as a protection from sunburn and overheating.

7. Checking for ticks and fleas – Warm weather will cause ticks and fleas to thrive so it’s good to be vigilant and use the warm weather as an excuse to wash your pets bedding frequently.

8. Keep your shed and cleaning products locked away – You may be using your gardening and cleaning products more freely during the summer months so be careful to keep toxic and chemical products locked away or out of reach of your pets and children.

9. Dehydration – Watch out for the signs of dehydration such as panting, vomiting clear liquid, increased heart rate and restlessness to name a few.

10. Swimming – Dogs who can swim well can be brought to beaches, lakes or canals for some swimming and a quick cool down. Paddling pools and hoses can be used at home and for dogs who may not feel comfortable in deep water.

If you notice anything out of the ordinary with your pet contact your local vet, they will have an out of hour’s number available if needed.

Signs of Heatstroke in Dogs & Cats

If you notice any of the following signs in your cat or dog during warm weather, you should treat it as an emergency.

• Heavy Panting or Breathing: For dogs, this may be frantic, heavy, or noisy panting. For cats, any panting or open-mouthed breathing is a serious sign of distress.
  
• Lethargy, Weakness or Dizziness: Your pet may seem unusually tired, drowsy, uncoordinated or may stumble when trying to walk.
  
• Drooling More Than Normal: Excessive or unusually thick or heavy drool.
  
• Change in Gum/Tongue Colour: Gums or tongue may appear bright red, dark red, pale or even have a blueish tinge.
  
• Restlessness: Your pet may seem agitated, anxious or unable to settle as it tries to find a cool spot.
  
• Increased Heart Rate: Your pet’s heart may be beating faster than usual or feel like it is racing.
  
• Confusion or Glazed Eyes: They may seem disoriented or have a glassy-eyed appearance.
  
• Sweaty Paws (especially in cats): As cats sweat through their paws, you might notice damp paw prints.
  
• Collapse, Muscle Tremors, or Seizures: These are signs of severe, life-threatening heatstroke.

If you believe your pet is suffering from heatstroke, you must take immediate steps to cool them down and contact your vet straight away for emergency advice.

 

How To Keep Pets Cool In Hot Weather
Frequently Asked Questions

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Losing your passport can be a stressful experience, especially if you plan to travel soon. If you’re an Irish citizen and you’ve lost your passport, don’t worry – there are steps to get a new one and continue with your travel plans. 

In this blog post, we’ll explain what you should do if you’ve lost your Irish passport, answer some common questions about lost passports, and offer tips for preventing passport loss in the future.

What to do if you’ve lost your Irish passport

If you’ve lost your Irish passport, you should report it to the authorities first. This ensures your old passport is cancelled and cannot be used by anyone else. In Ireland, you can report the loss to the Gardaí.

If you’re abroad, you should contact the local police and the Irish embassy or the nearest Irish Embassy or Consulate. They will cancel your passport and advise you on the next steps. You’ll need to fill out a form to report the loss and get a reference number, which you’ll need when applying for a new passport. It is also wise to report any theft to the local police and get a police report, which can be useful for travel insurance claims.

Once you’ve reported the loss, you can apply for a new passport. The Irish Department of Foreign Affairs offers an online passport application system. This streamlined process allows you to report your passport as lost or stolen directly within the application. To complete your application, you’ll need to provide personal information, upload a digital photo, and pay the applicable fee.

The system also enables you to track the progress of your application and receive updates via email or text message. It is the quickest and easiest way to apply for a new passport. 

Additionally, you can also apply through the post via An Post or in-person with the Passport Office’s counter service (available at offices in Dublin and Cork). 

If you need your new passport urgently, you can contact the Passport Service directly to apply for an emergency passport. This service is available to Irish citizens who do not hold or have lost their passports and urgently need to travel. As the name suggests, this service is strictly for emergencies only – such as the death of an immediate family member abroad or for urgent medical care.

Cost to Replace/Renew Your Passport

The current fee for a standard 10-year adult passport is €75 online, while the paper application fee is €80 plus a booking fee. Turnaround times for online applications are also much faster, typically taking a few weeks, whereas paper applications can take two months or longer.

Application via Passport Online Service

Adult	Cost
Standard 10-Year Passport	€75
Large 66-Page, 10-Year Passport	€105
Passport Card	€35
Standard Passport + Passport Card	€100
Large Passport + Card	€130
An additional €15 postage fee applies to residents outside of Ireland.

Child	Cost
Standard 5-Year Passport (for Under 18s)	€20
Large 66-Page, 5-Year Passport (for Under 18s)	€50
Passport Card	€35
Standard 5-Year Passport + Passport Card (for Under 18s)	€45
Large 66-Page, 5-Year Passport + Passport Card (for Under 18s)	€75
For child applications, there is an additional €5 postal fee (per application) to offset the cost of returning documents to the applicant.

Application via AnPost

Adult	Cost
Standard 10-Year Passport	€80
Large 66-Page, 10-Year Passport	€110
Standard 5-Year Passport (for Under 18s)	€30
Large 66-Page, 5-Year Passport (for Under 18s)	€55
An additional administrative fee of €9.50 for a single application, or €16 for up to four applications applies to passport applications made via AnPost.

What If I Need to Travel Urgently?

If you are abroad and need to return to Ireland urgently due to an emergency, such as a family bereavement, you can apply for an Emergency Travel Document. This is not a full passport; it is a single-use document that will allow you to complete your journey home. You must apply for this in person at the Irish Embassy or Consulate in the country you are in.

Tips for Preventing Passport Loss

Here are some tips for preventing the loss of your Irish passport:

1. Keep your passport safe and secure: When you’re not travelling, store your passport in a secure location such as a home safe, safety deposit box, or locked cabinet.
   
2. Make copies of your passport: Make a photocopy of your passport and store it in a separate location from your passport. Also, consider scanning a copy of your passport and storing it on your phone or computer.
   
3. Keep your passport with you when travelling: Always keep it with you and never leave it unattended in public places or in your hotel room.
   
4. Use a passport cover: A passport cover can help protect your passport from damage and make it more difficult for someone to steal or tamper.
   
5. Be aware of your surroundings: When travelling, be mindful of your surroundings and watch for any suspicious behaviour or individuals.
   
6. Report a lost or stolen passport immediately: If it is lost or stolen, report it to the Irish embassy or consulate in your country as soon as possible.
   
7. Renew your passport before it expires: To avoid any issues with an expired passport, make sure to renew it before it expires.

Losing your passport can be a very stressful and costly experience. These preventative steps can help protect your passport and make your travels go more smoothly. If you’re travelling or planning a holiday abroad, choose KennCo Insurance for comprehensive travel protection. Get a quote today!

Lost Irish Passport FAQs

Here are some of the most common questions people have when they lose their Irish passport:

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Origins of Irish Bank Holidays

We all love our Bank Holidays and with the brighter evenings and the summer approaching, we have three days to look forward to in May, June and August. So we’ve decided to take a quick look at the history of how our Irish Bank holidays came about.

Until 1834, the Bank of England observed about 33 saints’ days and religious festivals as holidays, but in 1834 this was reduced to just four: 1 May (May Day), 1 November (All Saints’ Day), Good Friday and Christmas Day. In 1871, the first legislation relating to bank holidays was passed when Liberal politician and banker Sir John Lubbock introduced the Bank Holidays Act 1871, which specified the days in the table below.

Dates of Bank Holidays & Public Holidays in Ireland, England, Scotland and Wales

Ireland	England & Wales	Scotland
New Year’s Day		New Year’s Day
St. Brigid’s Day
Saint Patrick’s Day (17 March)
Easter Monday	Easter Monday	Good Friday
First Monday in May		First Monday in May
First Monday in June	Whit Monday (June)
First Monday in August	First Monday in August	First Monday in August
Last Monday in October
Christmas Day		Christmas Day
Saint Stephen’s Day	Boxing Day/St Stephens Day

Under the Act, no person was required to make any payment or to do any act upon a bank holiday which they would not be required to do on Christmas Day or Good Friday. At this time, Ireland was still under British Rule, so we also benefited from the official bank holidays. This was also a time when workers were not entitled to the current 20 minimum day’s paid annual leave, and for some, may have been the only days apart from the weekends when they got off work!

The act did not include Good Friday or Christmas Day as bank holidays as they were already recognised as common law holidays since before records began. In 1903, the Bank Holiday (Ireland) Act added 17 March, Saint Patrick’s Day, as a bank holiday for Ireland only.

In 1939, the Oireachtas passed the Holidays (Employees) Act 1939 which designated the public holidays like Christmas Day; St. Stephen’s Day; St. Patrick’s Day; Easter Monday; Whit Monday and the first Monday in August. The Holidays (Employees) Act 1973, replaced the Whit Monday holiday with the first Monday in June. New Year’s Day was not listed in the Act but was added by Statutory Instrument in 1974. The October Holiday (Halloween) was added in 1977. The first Monday in May (commonly known as May Day) was added in 1993 and first observed in 1994.

Bank Holidays in Ireland 2026

Here are the dates for Ireland’s ten public holidays in 2026:

• Thursday,  1st  January – New Year’s Day

• Monday,  2nd  February – St Brigid’s Day 

• Tuesday,  17th  March – Saint Patrick’s Day

• Monday,  6th April – Easter Monday

• Monday,  4th  May – May Day (first Monday in May)

• Monday,  1st  June – June Bank Holiday (first Monday in June)

• Monday,  3rd  August – August Bank Holiday (first Monday in August)

• Monday,  26th  October – October Bank Holiday (last Monday in October)

• Friday,  25th December – Christmas Day 

• Friday,  26 December – St Stephen’s Day

Good Friday is a bit of a strange one, for some companies treat it as a National Holiday and others don’t, as it is not an official Bank Holiday. It is a Public Holiday in Northern Ireland only. In 2018, the prohibition of the sale of alcohol on Good Friday was lifted. Banks also close on Good Friday. (So does KennCo!) It falls on Friday April 15th 2022, this year.

St. Brigid’s Day

In 2022, the Irish government announced that from 2023 a new permanent annual bank holiday would be celebrated on February 1 to mark Lá Fhéile Bríde or St. Bridget’s Day.

St. Brigid’s Day is observed on the first Monday in February, except where St Brigid’s Day (1 February) happens to fall on a Friday, in which case that Friday 1 February will be a public holiday. 

This bank holiday was put in place to recognise the efforts of the general public, volunteers and all workers during the COVID-19 pandemic, and in remembrance of people who lost their lives due to the COVID-19 pandemic.  

In Ireland, the first of February marks the start of spring and coincides with the Gaelic festival of Imbolc celebrating St. Brigid of Kildare, one of Ireland’s patron saints, and it is the first bank holiday in honour of a woman. 

If you’re thinking of going away during the next bank holiday weekend, why not get a Travel Insurance quote today. KennCo Travel Insurance also includes cover for nights away in Ireland when one-nights accommodation is pre-booked. You can find all the Travel Insurance features/benefits here and get a Travel Insurance quote here now!

2026 Bank Holidays in Ireland
Frequently Asked Questions

A.

Motor tax is a charge that every driver must pay to drive a vehicle legally on public roads in Ireland. The revenue generated from the motor tax is used to fund the maintenance and development of the country’s road network. As we step into 2026, drivers need to stay up-to-date with any changes and new regulations around motor tax.

Types of Vehicles Subject to Motor Tax

Most vehicles in Ireland are subject to motor tax, including cars, motorcycles, and commercial vehicles. There are also reductions available for certain vehicles, such as electric vehicles.

The annual rate for an electric vehicle is €120 per year, the lowest tax band for motor tax. This is because motor tax is calculated based on vehicle emission levels – another incentive for drivers to purchase an electric vehicle. 

Calculating Motor Tax

Calculating motor tax in Ireland is based on several factors, including the age of the vehicle, engine size and CO2 emissions. Motor tax rates vary based on these factors, with larger and more polluting vehicles generally subject to higher rates. The current rates are:

For vehicles registered between 1st July 2008 and 31st December 2020 (NEDC Values):

CO₂ Emissions (g/km)	Annual Tax (€)
0 – 1	120
2 – 80	170
81 – 100	180
101 – 110	190
111 – 120	200
121 – 130	270
131 – 140	280
141 – 155	400
156 – 170	600
171 – 190	790
191 – 225	1,250
226 and above	2,400

For vehicles registered from 1st January 2021 onwards (WLTP Values):

CO₂ Emissions (g/km)	Annual Tax (€)
0 – 0	120
1 – 50	140
51 – 80	150
81 – 90	160
91 – 100	170
101 – 110	180
111 – 120	190
121 – 130	200
131 – 140	210
141 – 150	270
151 – 160	280
161 – 170	420
171 – 190	600
191 – 200	790
201 – 225	1,250
226 and above	2,400

Electric vehicles (EVs) continue to have the lowest motor tax rate of €120 per year, due to their low emissions and in part to help with the promotion and adoption of greener transport.

How to Pay Motor Tax

There are several ways to pay motor tax in Ireland, including online payment through the motor tax online system, payment by post or in person at a local motor tax office. Late payment of motor tax can result in penalties and interest charges, so it’s important to make payments on time.

Motor Tax Renewal and Reminders

Motor tax in Ireland must be renewed every 12, 6 or 3 months, depending on the type of vehicle and how long you want to renew for. Reminders are sent to registered vehicle owners in advance of the renewal date. 

It’s important to keep vehicle ownership details up to date to ensure that reminders are received, and motor tax is paid on time.

What Types of Vehicles Can Be Taxed and Renewed Online

You can tax or renew a vehicle online at motortax.ie. The process is very straightforward but differs slightly depending on whether you’re are registering a new car for the first time or a second-hand car. For new cars, you need the reg number and a PIN. This is usually the last 6 characters of the vehicle’s chassis number.

If you’re renewing a vehicle’s insurance, you need the car registration and a PIN. When renewing, this is usually the last 6 digits of your vehicle registration certificate. You will also need an active email address and your payment and billing details. 

Citizens Information provide a handy list of vehicles that can be taxed and renewed online:

• Private cars
• Motorcycles
• Agricultural tractors, excavators or diggers and combine harvesters
• General haulage tractors
• Dumpers, off-road dumpers and forklifts
• Hearses
• Vintage or veteran vehicles
• Vehicles adapted for use by disabled persons
• SPSV vehicles (Taxi or hackney or limousine)

Changes to Vehicle Registration Tax (VRT) in 2025 and 2026

In Budget 2025, the government introduced adjustments to the Vehicle Registration Tax (VRT) system:

• Category B Vehicles: In Budget 2025, there were some changes for low emission vehicles. Vehicles with CO₂ emissions between 0g/km and 120g/km now have a reduced VRT rate of 8%. Vehicles with emissions over 120g/km are still taxed at the standard rate of 13.3%.
  
  
• Commercial Electric Vehicles: As part of the Finance Act 2024, the weight ratio requirement for commercial EVs to qualify for the €200 Category C VRT rate has been adjusted from 130% to 125%, making EVs more cost-effective for businesses.

In Budget 2026, motor taxes were left largely unchanged so motorists won’t expect to see an increase this year. Additionally, a proposed new weight-based tax for cars and SUVs didn’t make it into the budget, with the current emissions based system staying in place. 

Commercial Vehicle Motor Tax

Commercial vehicles in Ireland are subject to different motor tax rates than private cars. The rates for commercial vehicles are based on weight and the type of vehicle, with larger and more polluting vehicles subject to higher rates.

Understanding the specific rules around motor tax for commercial vehicles is essential.

The rate of motor tax is reduced for all commercial goods vehicles above 4,000kgs. 

The annual motor tax rate for a vehicle between 4,000kg and 12,000kg is €500 and €900 for vehicles over 12,000kg.

Motor Tax for Imported Vehicles

If you import a vehicle into Ireland from another country, you must register it and pay motor tax before driving it on public roads. The amount of motor tax you will need to pay can depend on several factors, which we covered earlier.

Vehicle Temporarily Off The Road

Should your vehicle be off the road temporarily, you’re exempt from paying motor tax during this period. However, it’s mandatory to give notice in advance if your vehicle won’t be used for a period ranging from 3 to 12 months.

Here’s what you need to do:

1. Fill out the RF150 Form, which is the Declaration of Non-Use of a Motor Vehicle (available as a PDF).
2. Submit this form to your local motor tax office.

This declaration must be filed within the same month your current motor tax disc is due to expire. Remember, any outstanding motor tax arrears must be cleared, and you’re required to pay at least 3 months of motor tax before you can proceed with the non-use declaration.

Refunds and Exemptions

In Ireland, there are some situations where a car may not be subject to motor tax. For example, vehicles used by disabled drivers or passengers may be exempt from tax under specific regulations. 

Additionally, a refund of paid motor tax may be possible in certain circumstances, such as a vehicle being scrapped, written off, stolen, or officially taken off the road. 

However, to be eligible for a refund, there must be at least three months left on the motor tax before it expires. In such cases, the completion of an RF150 form is required to declare the vehicle as off the road officially.

Consequences of Not Paying Motor Tax

Driving an untaxed vehicle in Ireland can result in penalties and legal consequences, including fines and court appearances. Vehicles can sometimes be seized and impounded for failure to pay motor tax. It’s essential to resolve any issues with motor tax as soon as possible to avoid further consequences.

The Gardaí routinely set up checkpoints to check if your car is taxed. 

Failure to produce valid documentation can result in penalties and fines. They have the power to seize and impound vehicles that are found to be untaxed.

Motor Tax Discs

When you pay your motor tax, you will receive a motor tax disc valid for the duration you renewed, which could be 12, 6 or 3 months. Under the current motor tax system, vehicle owners are required to display a valid tax disc on the front windscreen of their vehicle, indicating that the motor tax has been paid and showing the expiry date of the tax. 

The tax discs are issued by the Department of Transport, Tourism and Sport and can be obtained by paying the appropriate motor tax fee.

The motor tax disc is what Gardaí will check to see if you have paid your motor tax.

How to Check Your Motor Tax is in Date

If you’re looking for an easy way to check when your motor tax expires or if you want to look up the tax details of a vehicle, the Irish Government provides a free online portal called Check My Vehicle. This handy website allows you look up and verify the tax details for any car registered in Ireland. You just pop in the vehicle registration, and the portal provides its most recent tax status. Check My Vehicle searches also provides an up-to-date NCT status. 

Motor Tax in Ireland: Key Takeaways

Motor tax is a mandatory fee for drivers in Ireland, contributing to the maintenance and development of the country’s roads. All vehicles, including cars, motorcycles, and commercial vehicles, are subject to this tax, with exceptions and reductions available for specific categories like electric vehicles.

The tax is calculated based on the vehicle’s age, engine size, and CO2 emissions, leading to varied rates. Payment can be made online, by post, or in person, and timely payments are crucial to avoid penalties.

Motor tax needs renewal every 3, 6, or 12 months, and vehicle owners receive reminders for the same. Commercial vehicles have distinct tax rates based on their weight and type. Imported vehicles must be registered and taxed before use on Irish roads. Exemptions and refunds are available under certain conditions, like for disabled users or vehicles taken off the road.

Non-payment of motor tax can lead to legal consequences, including fines and vehicle impounding. A visible motor tax disc on the vehicle confirms the payment of the tax.

Understanding and complying with motor tax regulations is vital for legal driving in Ireland, ensuring road maintenance and development are adequately funded.

Motor Tax in Ireland | Quick Takeaways:

• Mandatory for legal driving in Ireland
• Funds road maintenance and development
• Applies to cars, motorcycles, commercial vehicles
• Reduced rate for electric vehicles
• Calculated based on age, engine size and CO2 emissions
• Payable online, by post, or in person
• Renewal required every 3, 6, or 12 months
• Different rates for commercial vehicles based on weight and type
• Imported vehicles must be registered and taxed
• Exemptions available for disabled users, refunds for vehicles taken off the road
• Non-payment leads to fines, impounding, court appearances
• Motor tax disc issued upon payment, displayed on vehicle

Motor Tax in Ireland | FAQs

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Planning a family holiday doesn’t have to be a huge financial burden. While increases to the cost of living has impacted travel prices, there are thankfully still plenty of ways to plan an exciting and memorable trip without breaking the bank. And, there are lots of tools and options available to help you stay within your budget.

Smart planning, research, and a creative itinerary can ensure that your family spends quality time together and create lifelong memories without the financial strain. Below, we’ll explore some of the best tips and strategies for planning family trips on a budget.

Budget-Friendly Family Travel in 2026

Choosing to travel with your family on a budget has many more benefits than just saving money. For starters, it might make you look at options, places or activities you may not have considered otherwise. It allows for more frequent or longer trips away, it can mean there’s more money there for activities and experiences and can help your family stick to a wider financial goal.

Sticking to a budget can also help children to learn about the value of money and financial planning while still having fun. While simple travel plans can help reduce stress and allow more time to connect with family members.

Create a Realistic Budget for your Family Trip

Unavoidable costs are things that you have to spend money on. These include your flights, ferry, transport and accommodation. These should be booked as early as possible. 

Avoidable Costs are things that are nice but not necessary. These include eating out for every meal,  souvenirs and expensive activities or entertainment. Make a list of things you’d like to do and then decide where you want to splurge and where you are happy to save.

Planning Your Budget-Friendly Family Trip

Decide on Your Destination

Choosing a budget and family friendly destination is the start of planning a successful trip. Do a little research into locations and places that similar experiences or activities but where your money goes further. For example, look at destinations or options within driving distance to save on airfare or train tickets.

Research off-season travel opportunities, as prices are often lower during less popular travel times. Or consider budget-friendly accommodation options like holiday rentals, hostels or camping sites which lets you explore outdoors and can be exciting for kids.

Irish Staycations

Holidaying at home in Ireland gained a lot popularity after COVID and staycations remains a popular choice for famillies. While staying in major cities like Dublin or Cork can be expensive, heading to the North West or the Midlands offers better value. You save significantly on flights and transport, and you can pack your own food and supplies to reduce costs further. For affordable activities, many Irish families are now using the OPW Heritage Card, which provides free access to dozens of historical sites across the country for a single annual fee of €90 for 2 adults and up to 5 children aged 12 to 18 (kids under 12 have free admission).

Family Friendly Accommodation

Finding budget-friendly accommodation for a family might seem like a challenge but there are a lot of options available. Booking an apartment or a small holiday home through Airbnb or local rental agencies is often cheaper than booking multiple hotel rooms. Especially for larger families. While having a kitchen in your accommodation means you can make breakfast and lunch at home, which can easily save a family of four over fifty euros a day.

You can also look into budget hotel chains or customer loyalty programs that offer hotel discounts as a reward. Many hotels will also offer family breaks at reduced rates throughout the year. 

Alternative Stays

For families who enjoy the outdoors, camping and glamping sites across Europe and Ireland have seen a massive upgrade in facilities due to renewed popularity. Operators like Eurocamp have self-catering campsite locations across Europe with great facilities, a range of family activities and on-site kids clubs. Again, being smart and booking at off-peak times, booking early and opting for self-catering can stretch your budget even further. 

Transportation and Getting Around

Getting to your destination is often one of the most expensive parts of a trip, and getting around doesn’t end once you arrive. Transport costs can add up if you’re not careful so managing these costs is important for staying on budget. Here are some ways to save on transport:

Driving: Consider driving instead of flying or taking the train. Taking your own car can save you money and also give you more freedom and flexibility to explore or take day trips. 

Low Cost Flights: Check out discounts from airlines such as Ryanair or Aerlingus. Ryanair is known for having discounts at certain locations. 

Public Transport: Most European cities have excellent, child-friendly public transport.Look out for family passes or tourist cards that give you unlimited travel on buses, trams and trains for a small, set price.

Walking and Cycling: A lot of cities and towns in. Ireland and Europe are pedestrianised. Walking and cycling can be a great way to explore and see the sights, and can cut down your daily transport costs.

Car Rentals: If you need to rent a car, book it at the same time as your flights. Like flights, car rental prices can be volatile and last-minute rentals are almost always more expensive.

Plan Your Meals

Food costs can add up quickly while travelling, but it doesn’t have to. Dining out is a big part of the holiday experience, but it does not have to happen three times a day. A simple way to manage your food budget is to eat one meal at a restaurant, pub or cafe and prepare the others yourself. 

When booking, look for and choose accommodations with cooking facilities so you can prepare family meals instead of eating out all the time. You can also pack snacks and drinks for travel days or day trips. 

Find Free or Low-Cost Activities

The best parts of a family holiday is taking part in new activities and experiences. And you don’t need to spend a ton of money to give your family a memorable day out. There are lots of things that you can do for free or for very little money here in Ireland and abroad.

Museums, art galleries, visitor centres and historical sites offer free entry or free entry on specific days. It’s also common for children under a certain age to go free. Check the official websites before you go to align your visit with these dates.

Some of the best family memories are made on a beach, hiking a local trail or exploring a greemway. These activities cost nothing and allow you to enjoy them at a much more relaxed pace. If you do plan to visiting a zoo or theme park, book ahead. A lot of places offer discounts for booking online in advance compared to at the gate.

If you’re staycationing in Ireland, Discover Ireland has a list of free activities and attractions you can visit in Ireland without spending a penny.

Additional Tips and Considerations

Here are some additional tips and considerations to keep in mind when planning your budget-friendly family trip:

Be Flexible

Flexibility is key when it comes to planning a budget-friendly family trip. Be open to changing your travel dates, destination, or accommodation options if it means saving money.

Use Discount Websites and Apps

Many discount travel websites and apps can help you save money on everything from airfare to activities. Some popular options include Expedia, Kayak, Groupon, and LivingSocial.

Consider Traveling With Another Family

Travelling with another family can help split the cost of accommodation and transportation, making the trip more affordable for everyone involved.

Don’t Overschedule

While trying to fit in as many activities as possible during your trip can be tempting, remember to leave some downtime for relaxation and spontaneity. This can also help reduce expenses by avoiding the need for expensive activities or meals.

Pack Light

Avoid bringing excessive luggage, which can incur additional fees and expenses. If you’re not staying long, stick to carry-on luggage and pack only the essentials.

Family Travel Insurance

While it might seem like an extra cost, travel insurance should be an essential part of a budget-friendly trip. An unexpected medical issue or a cancelled flight can cost thousands if you are unprotected. KennCo offers great value family travel insurance policies that provide comprehensive cover for everyone in your group. Make sure that your family are fully protected with KennCo Family Travel Insurancer.