Category: Blog

A.

Understanding how car insurance claims work in Ireland is important for both customers and providers. There are a number of different factors and trends that affect car insurance claims and how they are processed here in Ireland. Below, we’ll take a more in-depth look at some of these trends to give you a better understanding of how they may impact your policy.

Car Insurance Claims Process in Ireland

Types of Car Insurance Claims

Collision and Comprehensive Claims

Collision claims, resulting from accidents with other vehicles or stationary objects, are the most common type of claim in Ireland.  Comprehensive claims, which cover events like theft, fire, and vandalism, are less frequent but significant, especially in urban centres where the risk of such incidents is higher.

Personal Injury Claims

Personal injury claims, though not as common as property damage claims, are a major concern due to their high cost. The introduction of the Personal Injuries Assessment Board (PIAB) and subsequent legislative reforms have been instrumental in standardising and expediting the process of these claims, aiming to reduce fraudulent practices and ensure fair compensation.

Factors That Influence Car Insurance Claims

The landscape of car insurance claims in Ireland has been shaped by various factors, including technological advancements, legislative changes, and demographic shifts.

Government Legislation

In recent years, the Irish government has implemented several legislative changes aimed at creating a more balanced and fair insurance market. Including stricter penalties for driving offences, reforms in the PIAB process, and initiatives aimed at creating greater transparency in insurance pricing. All steps towards stabilising the insurance market in order to protect consumers.

Changing Demographics

Young drivers, traditionally seen as high-risk, have shown a decrease in claim frequency which has been attributed to better driver education and awareness initiatives. However, the severity of claims involving this demographic still remains a concern, with many incidents involving younger drivers on the road often linked to high speeds.

Older drivers tend to be involved in fewer accidents. When accidents do occur, they are typically low-speed, minor collisions that often occur in urban settings.

Technology

New and emerging technologies also play a role in how car insurance claims are processed. Most modern cars now come equipped with infotainment systems and advanced driver safety features built-in. While these technologies are designed to keep you safe and have been shown to successfully reduce road traffic accidents, they can have an impact of the cost of an insurance claim if an accident does occur. 

The increasing use of dashcams by motorists across Ireland is helping insurers to resolve claims, establish liability and detect fraud. Additionally, drivers and other road users who record dashcam footage of dangerous driving will soon be able to upload the footage to an online portal, under plans by the An Garda Síochána. It is hoped that the portal will be live in 2026 allowing other road ­users to submit footage that could then be looked at An Garda with a view to potential prosecution.

Seasonal and Regional Factors Influencing Insurance Claims

The Irish weather plays a role in insurance claims, with winter months seeing an increase in incidents due to shorter days and challenging weather conditions. This time of year often sees a rise in minor collisions and single-vehicle accidents.

In contrast, rural areas tend to report fewer incidents, but often see more severe accidents. Likely due to higher speeds and less congested roads.

Future Trends In Car Insurance

The future of car insurance claims in Ireland is likely to be influenced by several key factors:

Impact of Autonomous Vehicles:
The gradual introduction of autonomous vehicles is anticipated to lead to a decrease in collision claims. However, this may also introduce new types of claims related to technology failures or cybersecurity issues.

Climate and Weather-Related Claims:
With the ongoing impact of climate change, there may be an increase in claims related to extreme weather events, such as flooding caused by storms. This may necessitate adjustments in insurance policies and coverage as a result.

Urbanisation Areas:
As urban areas become more congested, the frequency of minor collision claims is expected to rise. This trend may prompt the need for insurance products specifically tailored to urban living conditions.

Car Insurance Trends in Ireland

The car insurance claims process in Ireland is constantly changing. For customers looking to take out a car insurance policy, it’s important to understand the different factors in order to make informed decisions about their car insurance.

For insurance providers, these insights are invaluable for developing policies that meet the evolving needs of Irish drivers. As the industry navigates these changes, a responsive, fair and forward-thinking approach is needed.

Contact KennCo for a secure, reliable insurance quote today. We will be happy to give you a quote or dicuss your options. Call 01 409 2600 today. 

A.

Being involved in a car accident, even a minor one, can be overwhelming, especially for young, novice and inexperienced drivers. But knowing what steps to take after the incident can help you to stay calm, safe, and handle the situation correctly. This guide will walk you through the necessary actions to take if you’re involved in a minor car accident.

Stay Calm

Move to a Safe Location
Provided it’s safe to do so, move your car to the side of the road to avoid blocking traffic, apply your handbrake and switch on your hazards. If you have one, place your warning triangle at the rear of your car to alert oncoming traffic that there has been an accident.

Check for Injuries
Next, check yourself and any other passengers who are travelling with you for injuries. If there are other cars involved, check on the occupants to make sure everyone is okay. Call emergency services immediately by dialling 112 or 999 if there has been an injury, or if someone requires assistance.

Call the Gardai
In Ireland, you are legally required to report the incident to Gardaí if there has been a road-traffic accident. If it’s a minor incident, Gardaí may choose not to attend but it’s important that it still be reported. Following the accident, Gardaí will create an official report with an incident number. 

Collect Information from the Scene

Take some notes of the scene and record all important or minor details, such as:

• Date and time of the incident 
• The position of the vehicles
• Damage to all vehicles involved
• Make and model of cars involved
• Any visible injuries
• Contact details of any witnesses
• Road conditions and weather at time of incident

You can also use your smartphone to take pictures or video documenting the scene, the cars involved and any damage caused during the incident. If there are disputes further down the line, the information you gather from the scene can be hugely beneficial from an insurance or legal perspective.

Exchange Information

You should exchange insurance and contact details with the other driver at the scene; and provide your name, address and any requested personal details to Gardaí.

If the driver is uninsured, you should still follow the steps outlined above and immediately contact the Gardaí and your insurer. In Ireland, the Motor Insurers’ Bureau of Ireland (MIBI) is the body which compensates drivers who have been hit by uninsured drivers.

Contact Your Insurance

It’s highly important that you contact your insurer immediately to report the incident. They will ask for your insurance details and policy number and for details of the collision or accident. 

You should provide your insurer with all the information you’ve gathered from the scene such as the other driver’s insurance details, registration, and contact information. And any other relevant information like photos you took from the scene and contact details for any witnesses. 

The more information you provide the better. Even if you don’t plan on making a claim, the other driver might so it’s important to inform your insurer.

Tips for Preventing Accidents

• Anticipation: Always drive carefully and be aware of your surroundings and anticipate the actions of other drivers on the road.
  
  
• Avoid Distractions: Don’t use your phone while driving, and stay focused on the road.
  
  
• Follow Traffic Laws: Stick to speed limits and road signs can significantly reduce the risk of accidents.

FAQs for What to Do After a Minor Car Accident

A.

Long-haul flights can be daunting, especially for people who don’t travel much, are more to shorter hops or who have never flown long distances. Sitting in a airline seat for hours, battling jet lag and keeping yourself comfortable and entertained can make for a challenging journey.

So, whether you’re a seasoned traveller or a first-time flyer planning a holiday abroad, these long-haul flight tips will help make your next journey smoother and more comfortable. Here are some travel tips for long flights:

Dress comfortably

When you’re travelling on a long-haul flight, it’s essential to wear comfortable and breathable clothes. You want to avoid being stuck in tight or restrictive clothing considering you’ll confined to a small space for a few hours. Choose loose-fitting clothes made from soft, comfortable fabrics like cotton. These materials will help you stay cool and comfortable throughout the flight. 

It’s also a good idea to wear layers to adjust your clothing according to the temperature on the plane. Bring a light sweater or jacket you can easily remove if you get too warm.

Bring a Travel Pillow and Blanket

Many airlines offer pillows and blankets for long-haul flights but they might not be as comfortable as ones you can bring yourself. While not quite your home comforts, bringing a travel pillow and blanket can help you get some much-needed rest during your flight. 

 

Look for a compact, easy-pack pillow that still provides the support you need for your neck and head. A small, lightweight blanket can also help you stay warm and comfortable during the flight.

Pack Some Snacks

Airline food can be hit or miss. Bringing some healthy snacks like nuts, fruit or granola bars can help you stay satisfied throughout the flight. These snacks are also easy to pack and take up only a little space in your carry-on bag. 

Avoid sugary snacks and foods high in salt, as these can dehydrate you and make you feel even more uncomfortable during the flight.

Stay Hydrated

Dehydration can make you feel tired and uncomfortable so drinking plenty of water during your flight is important. Plus, the air in the cabin is often dry which can make you feel even more dehydrated. 

 

Make sure to drink water throughout the flight – and avoid alcohol and caffeine if possible which can dehydrate you even more. You can also bring a refillable water bottle to help you stay hydrated and most airlines will give out complimentary bottles of water to keep passengers hydrated. 

Move Around

Sitting in one position for an extended period can cause stiffness and discomfort. Get up and stretch your legs every few hours, and do some simple exercises in your seat to improve circulation. You can do small stretches like ankle circles, leg lifts, and shoulder rolls to help you stay comfortable during the flight. 

If the plane has an area for stretching or walking, take advantage of it for extra movement.

Entertainment

Long flights can get a little boring so having something to keep you entertained is important. Bring a good book, download movies or listen to music to pass the time. 

Having something to keep you entertained during the flight can make time faster. Some airlines also offer in-flight entertainment systems with movies, TV shows and games. A lot of modern long-haul flights can offer in-flight Wi-Fi and streaming options but you check this with the airline beforehand and be prepared to make your own entertainment. 

Sleep Aids

If you have trouble sleeping on planes, consider bringing sleep aids like earplugs or an eye mask. These can help you relax and fall asleep more easily during the flight.

Pack Long Haul Essentials in Your Carry-On Bag

Remember to pack some essential items from a toothbrush, toothpaste, eye mask, earplugs, and any needed medications. Having some hygienic items is an excellent way to feel fresh and healthy while on your long-haul flight.

Invest In Travel Insurance

If you’re planning a long trip or long-haul flight, travel insurance is an essential add-on that can protect you against unexpected disruptions to your travel plans. Research from the CCPC shows that 16% of Irish holidaymakers who took a foreign holiday between May and August 2025 experienced some form of travel issues.  A comprehensive policy can protect you against things like flight cancellations, delays, missed departures and lost luggage; and can provide cover and support in the event of an accident or medical emergency – so unforeseen incidents don’t turn into costly setbacks.

When choosing your travel insurance, look for coverage that fits your specific needs. Review your situation, consider the type of trip you have planned, assess the contents and exclusions of the policy and compare the cost to the level of coverage offered. A well-rounded policy can provide some peace of mind and let you focus on enjoying your flight and holiday.

 

Preparing for a Long Haul Flight 

The key to a successful long-haul flight is to prioritise your comfort and well-being, so don’t be afraid to take the necessary steps to make your journey as smooth as possible. Following the long-haul flight tips discussed in this blog you can make the most of your flight and arrive at your destination feeling refreshed and ready to explore. 

 

 

A.

As we get further away from the long, grey days of January, most people will be starting to plan or book summer holidays or city breaks. We all look forward to escaping the grind of daily life for a couple of weeks or a long weekend; but sometimes your summer getaway can come at a serious price. 

While the vast majority of trips abroad go off without a hitch, the unpredictable nature of travel means that a significant number of people still get caught out by unforeseen circumstances. 

Flight delays, cancellations, lost luggage, problems with accommodation and scams were all issues that affected 16% of Irish holidaymakers who travelled abroad between May and August in 2025, according to research by the Competition and Consumer Protection Commission (CCPC).

When you consider that, according to the research, Irish holidaymakers spend close to €2,500 on average on flights and accommodation, it goes from being a minor annoyance that puts you out to putting you out of pocket. That’s why it pays to check what you’re booking and always invest in travel insurance before you fly. 

What Can Go Wrong When Booking a Holiday Abroad…

While it can be smooth sailing (or flying) for the majority of travellers, things can and do go wrong. The CCPC consumer helpline received almost 2,700 contacts about travel related issues across the whole of 2025. 

And in their 2026 travel report, the CCPC found that between May and September 2025: 

• Consumers report spending on average €2,473 on their holidays.
  
  
• 16% of holidaymakers faced issues while away; most notably with flight delays (6%) or flights being rescheduled (5%).
  
  
• Among all age groups, 18–24-year-olds were most likely to encounter issues, with 29% affected.
  
  
• 17% of 18-24 year olds had a flight that was delayed by 3 to 11 hours.
  
  
• 1% had to travel home early due to an emergency.
  
  
• 1% required medical care for illnesses while abroad.
  
  
• One in three holidaymakers travelled without insurance and almost half of under 35s were not covered by travel insurance.
  
  
• Of those who did travel without insurance, 48% said they didn’t think they’d need it for the trip; while 19% said they didn’t think it was worthwhile.
  
  
• One in ten bought insurance after they bought their holiday.

For the 16% of holidaymakers who experienced issues, flight delays and rescheduled flights were the most common culprits. While this can seem like a relatively minor thing, sudden changes to your flight time can have a knock on effect and can potentially cause you to miss a connecting flight or get you a day or two late to your destination, for example. 

Another major headache affecting flyers is lost luggage. Aside from being inconvenient, it can also leave you shortchanged with the report highlighting a complaint where a traveller’s suitcase was lost by an airline during a skiing trip. As a result, they did not have their ski gear when they arrived and were unable to attend two ski lessons they had paid for in advance, leaving them out of pocket.

Other issues reported by consumers to the CCPC included day trips and tours being cancelled providers; accommodation being cancelled; illnesses that required medical treatment; and having to leave early due to emergencies. 

The CCPC are also warning Irish holidaymakers about potential scams and misleading online offers. Listing some of the issues reported by consumers, the CCPC highlighted examples where a consumer paid out thousands of Euros to secure accommodation through a legitimate looking website only to find that it was a scam; in a similar instance, their 2025 Travel Scams Report highlights a case study where a consumer booked a holiday to France via an online travel agency. After paying €11,000 to cover the cost, the agency and website disappeared leaving the customer out of pocket and unsure if they could recover their money. 

Other examples shared by the CCPC include a holidaymaker who booked accommodation based on an image of a sunny beach in the hotel’s advertising only to arrive and find out the beach was a four-hour round trip away!

 

Travel Insurance Gaps

One key thing that the CCPC research highlights is that a significant number of people are travelling without insurance or taking out insurance after the fact, and leaving themselves open to risks. With 30% of holidaymakers travelling abroad without insurance between May and August of last year, the time period recorded in the report. 

This number increases for younger travellers with almost half (48%) of those under 35 choosing to go without cover. Which is unfortunate as 18-24 year-olds are the most likely to encounter issues when travelling, but the least likely to buy travel insurance!  

While 1-in-10 bought insurance after they bought their holiday meaning they may not have been fully covered for certain disruptions, such as strikes or extreme weather events. 

If you travel without insurance, you need to be prepared for the unexpected and expect to be out of pocket if something does go wrong. And you should bear in mind that taking out insurance late or after you’ve booked may not necessarily mean you’re covered. 

 

How to Protect Your Trip This Summer

The best way to safeguard your trip and cover yourself against any unforeseen events is to take out travel insurance. We always suggest taking out insurance at the same time you book your flights and accommodation, that way you’re covered from the outset. 

At KennCo, all of our travel insurance policies cover cancellations, medical emergencies, lost luggage and more. Which means you can get on with relaxing and enjoying your holiday, instead of worrying about potential problems or hiccups.

And whether you’re going on one summer holiday or planning multiple getaways throughout the year, we’ve got you covered with single trip, multi trip and family travel policies to make sure you have the right coverage at the best price.

Outside of travel insurance, there are some other ways that you protect yourself when travelling abroad this summer.

• Be wary of random or too good to be true offers, especially from unsolicited emails or social media ads.
  
  
• Always do your research before booking. Look at review sites like Trustpilot and Google to make sure websites or providers are legitimate.
  
  
• Always read the terms and conditions. And fully review the refund and cancellation policies before booking.
  
  
• Only pay through secure channels or checkouts using a credit or debit card so you have some protection if things go wrong. 

 

What to Consider When Buying Travel Insurance 

Choosing the right travel insurance means picking a policy that suits your trip and the specific risks involved. While price is obviously a factor, it’s not necessarily about choosing the cheapest or most expensive cover, it’s about choosing the cover that protects you best. 

Generally speaking, a comprehensive policy that covers cancellations, lost luggage, medical emergencies, and repatriation is usually ideal for most people. But you should also factor in specific event coverage if you’re planning any risky activities like rock-climbing, skiing or water sports.

Equally, you should check that your policy has adequate medical coverage and repatriation back to Ireland. If the worst does happen, you might find that foreign medical costs can add up quickly. Check that your policy will cover A&E visits, hospital stays, outpatient care and even emergency evacuation.

 

Travel Insurance from KennCo

Don’t let the threat of flight delays, lost luggage or unexpected emergencies ruin your holiday this summer. Taking a few minutes to secure the right cover can potentially save you thousands of euros and a massive amount of hassle if things do go wrong. 

So, before you pack your bags for your next great adventure, secure your trip with KennCo Insurance. We focus on the risks so that you can focus on the journey. Get a quick and easy quote for KennCo travel insurance today.

Travelling Without Insurance FAQs

A.

Everyone who is involved in a car accident may go through trauma. They have the potential to result in severe financial losses in addition to physical harm. A car’s damage may occasionally be so bad that it is labelled a “write-off.” But what does it mean exactly when a vehicle is declared written off? We will cover the fundamentals of what it means when a car is written off and your alternatives if it is involved in an accident.

What Does Car Written Off Mean?

When a car is involved in an accident, it is assessed by an insurance assessor to determine the extent of the damage. If the car’s repair cost exceeds a certain percentage of its value, it is deemed a write-off. This means the insurance company will pay out the car’s value, minus any excess or deductible, rather than repairing it.

What Are the Categories of Car Write-Offs?

Car write-offs are divided into different categories depending on the severity of the damage. The categories are as follows:

Category A: End-of-life vehicle

The vehicle is deemed unsuitable for repair and must be crushed without any parts being removed. You cannot return the car on the road; it is considered an end-of-life vehicle. This category is reserved for severe cases where the car is beyond repair.

Category B: End-of-life vehicle

The vehicle is also deemed unsuitable for repair, but usable parts can be recycled. However, the structural framework must be crushed, and again you cannot put the car back on the road. This category is for cars that are too damaged to be repaired safely but still have some valuable parts that a garage can salvage.

Category C: Repairable with high costs

The vehicle is repairable, but the repair cost would exceed the car’s pre-accident value. Repairing the car would not be economically feasible and would be considered a write-off. However, if the car is repaired, it can return to the road.

Category D: Repairable but not economically viable

The vehicle is repairable, but the insurer has chosen not to repair it for economic reasons. In most cases, this is because there is a high possibility of further damages coming to light if the car is sent for repair. However, if the car is repaired, it can return to the road.

It’s important to note that write-offs are recorded on the car’s history and can affect its resale value. Furthermore, cars in categories A and B can’t be returned on the road, even if repaired. Therefore, it’s essential to understand the categories of car write-offs and their implications.

What Happens to a Car Once it is Written Off?

Once a car is written off, the insurance company takes possession of it and pays the agreed value to the policyholder. The insurance company then sells the car to a salvage yard or an auction house, depending on its condition. If the car is still roadworthy, it may be sold to a new owner willing to repair it.

What Are Your Options if Your Car is Written Off?

If your car is written off, you have a few options:

1. Accept the payout from the insurance company and use it to buy a new car.
2. Keep the car and repair it yourself, although this can be expensive.
3. If you have a lease or finance agreement on the car, you may be able to use the payout from the insurance company to pay off the remaining balance.

Are you looking for reliable comprehensive car insurance or third party fire & theft cover Then get a quote online today or call us at 01 409 2600 to speak to one of our team members.

Frequently Asked Questions About What Does Car Write Offs

A.

If you’re looking to get your driver’s license in Ireland, one of the first steps you’ll need to take is passing the theory test. This exam is designed to test your knowledge of the rules of the road, and passing it is essential if you want to obtain a learner permit or a full driver’s license. In this blog post, we’ll cover everything you need to know about passing the theory test in Ireland in 2026.

Study the Rules of the Road

The first step to passing the theory test is to study the Rules of the Road. It is the official publication of the Road Safety Authority (RSA), and it contains all the essential information you need to know to be a safe and responsible driver. 

The Rules of the Road covers everything from road signs and markings to driving in adverse weather conditions. Ensure you read it thoroughly and pay attention to any sections that you find particularly challenging.

Use Online Resources

In addition to the Rules of the Road, plenty of online resources are available to help you prepare for the theory test. 

Take Practice Tests

One of the best ways to prepare for the theory test is to take practice tests. These tests are designed to simulate the actual exam, and they can give you a good idea of what to expect on test day. Practice tests can also help you identify areas to study further. Make sure you take as many practice tests as possible before the exam.

Booking a Test

Book a theory test on the RSA’s website. There are numerous nationwide locations, so choose the most convenient for you. From November 2026, stricter rules apply to renewing your learner permit. If you delay your progress, you may be forced to restart the entire process—including sitting the theory test again.

3rd or 4th Permit Renewal: You will not be able to renew your learner permit for a third or fourth time unless you have sat a driving test within the previous two years. Booking a test is no longer enough; you must have actually taken it.

 

Arrive Early

On test day, make sure you arrive at the test centre early. Doing so will give you plenty of time to settle in and calm your nerves. You’ll need to bring your learner permit or other identification and proof of payment for the test fee. You’ll also need to sign a declaration stating that you haven’t cheated or received any assistance while preparing for the exam.

Relax and Stay Focused

Finally, it’s important to stay relaxed and focused during the exam. Take deep breaths if you feel anxious, and read each question carefully before answering. Take your time with the questions, and be mindful of the time limit. Remember, you only have 45 minutes to answer 40 questions, so manage your time wisely.

Passing the theory test in Ireland requires preparation, dedication, and focus. Studying the Rules of the Road, using online resources, taking practice tests, arriving early, and staying relaxed and focused can give you the best chance of success. 

Theory Test Updates for 2026

In 2026 there are some new rules coming into place around when you must take a Driver Theory Test. again. From November 2026, learner drivers in Ireland will need to successfully complete the theory test again if they:

1. Have not taken a driving test in the past 2 years and are applying for a third or fourth learner permit.
   
   
2. Have already had four learner permits, there will be no fifth permit allowed (unless there were medical grounds or you were medically restricted).
   
   
3. Held an expired learner permit for 2 years or more.

Applying for a Learners Permit

You will receive a pass certificate when you pass your theory test. This certificate is an important document you’ll need when applying for your learner permit. You must keep it safe and in good condition, as it proves that you’ve successfully passed the theory test.

It’s important to note that the pass certificate is only valid for two years from the date you passed the test. So, it would be best if you used this time to continue working towards obtaining your full driver’s license. Stay motivated; gaining the experience and skills to pass your driving test can take some time.

Passing your theory test is just one step towards becoming a safe and responsible driver. Taking driving lessons, practising regularly, and gaining experience on the road are essential. By doing so, you’ll be well on your way towards obtaining your full driver’s license and enjoying the freedom that comes with it.

Good luck! And once you’ve passed your test, remember to contact KennCo Insurance to get a quote on your car insurance.

Frequently Asked Questions
How to Pass the Theory Test in 2026

A.

We’ve all had those moments where we weren’t paying attention to a task we were doing. Sometimes it can happen at the petrol station. If you’ve accidentally put the wrong fuel in your car, don’t worry – you’re not alone. 

In Ireland, this happens to thousands of motorists every year. But it’s important to act quickly to avoid any potential damage to your vehicle. In this post, we’ll guide you through the steps to take if you’ve put the wrong fuel in your car.

Don’t Start the Engine 

If you realise that you’ve put the wrong fuel in your car, you should first avoid starting the engine. Starting the engine will circulate the incorrect fuel throughout the engine, potentially causing severe damage. Instead, remain calm and turn off the ignition if you’ve accidentally switched it on.

Inform the Petrol Station Staff

Once you’ve ensured your engine is off, inform the petrol station staff about your mistake. They are well used to this and can offer assistance or advice on steps to take. 

Call a Breakdown Service

In Ireland, various breakdown services can help when you’ve put the wrong fuel in your car. Some insurance companies offer dedicated fuel assist services that can drain and clean your fuel system on-site. Be sure to explain your situation clearly, including the fuel you’ve mistakenly used, so that they can provide the best possible assistance.

Don’t Attempt to Drain the Fuel Yourself 

While you may want to try and resolve the issue yourself, draining the fuel system is a job best left to professionals. Doing it yourself can be dangerous and could result in further damage to your car or harm to yourself. Hang on tight, and the problem will get solved.

Check Your Insurance Policy 

Some car insurance policies in Ireland include coverage for misfuelling incidents. Contacting your insurance provider to determine if your policy covers this situation is a good idea. They can guide you on the next steps and any potential claim you may need to make.

Get Your Car Checked by a Mechanic

After the wrong fuel has been drained from your car, it’s essential to have a professional mechanic inspect your vehicle. They will be able to assess if any damage has been caused. If it has, they can then recommend necessary repairs. It may be costly, but you’re better off getting it checked before it worsens. Even if your car seems to be running fine after the fuel has been drained, it’s better to be safe than sorry.

Petrol in a Diesel Car vs. Diesel in a Petrol Car: What’s the Difference?

While both scenarios are problematic, putting petrol into a diesel car is generally the more serious and potentially damaging mistake.

• Petrol in a Diesel Car: Diesel fuel acts as a lubricant for the fuel pump and other components of the engine. Petrol, on the other hand, has a solvent effect, which can cause significant friction and damage to the fuel pump and injectors if the engine is started. This is often a more costly mistake to rectify.

• Diesel in a Petrol Car: This is a less common mistake, as the diesel nozzle is typically larger than the filler neck of a petrol car. If you do manage to put diesel in a petrol car, the engine will likely not start. If it does, it will run poorly, produce a lot of smoke, and quickly cut out. While this can still cause damage, it is generally less severe than the alternative.

Signs You Put The Wrong Fuel In Your Car

If you have driven away from the petrol station and are unsure if you have used the wrong fuel, here are some common symptoms to look out for:

• A knocking or pinging sound from the engine, especially when accelerating.
• Excessive smoke coming from the exhaust.
• Reduced power and sluggish acceleration.
• The engine warning light illuminating on your dashboard.
• The engine cutting out or failing to start.

If you experience any of these symptoms, you should pull over to a safe place as soon as possible, turn off the engine, and call for breakdown assistance.

The Last Word

Putting the wrong fuel in your car can be a quick mistake but stressful. Taking the proper steps can help minimise any potential damage. Remember, acting quickly and seeking professional help is essential to ensure your vehicle is safe and running smoothly again. So if you find yourself in this situation in Ireland, follow the steps outlined above and get back on the road as soon as possible.

A.

As a novice driver in Ireland, you must understand the penalty point rules that apply to you.

Novice drivers are those who have held their first learner permit for less than two years; and are subject to different penalty point rules than fully licensed drivers.

In Ireland, like many other countries, driving behaviour is monitored and regulated through a system of penalty points. These points are added to a driver’s license when they commit specific driving offences. The accumulation of penalty points is intended to deter and penalise dangerous or careless driving.

Usually, if a driver accumulates 12 penalty points within a 3-year period they will be automatically disqualified from driving for 6-months. However, novice drivers (and those who hold learner permits) are subject to a lower threshold of 7 penalty points.

Types of Penalty Point Offences

Accumulating penalty points on your license can affect your car insurance premiums and potentially result in license suspension. The number of penalty points you can receive for a driving offence depends on the type of offence committed. For example, if you are caught speeding, you can receive 3 penalty points and a fixed charge fine of €160. However, this can increase to 5 penalty points and a higher fine on conviction.

Similarly, if you are caught using a mobile phone while driving, you can receive 3 penalty points, and not wearing a seatbelt can also result in 3 penalty points. On the other hand, driving without insurance can result in 5 penalty points.

Novice drivers should also be aware that a failure to properly display their N plate while driving can lead to 2 penalty points and a fine of €120, this can also increase on conviction. 

But most important to note is that if you accumulate 7 or more penalty points within your first two years of driving, your license will be revoked. And you will have to reapply for a learner permit.

How it Affects Your Car Insurance Premium

One of the implications of accumulating penalty points is the potential impact on car insurance premiums. Insurers often view points on your driving license as an indicator of increased risk, especially for those new to the road.

---

---

Insurance companies use various factors to determine the risk associated with insuring a driver, and one of these factors is the driver’s record of penalty points. Here’s why:

• Risk Assessment: Insurance companies operate based on risk assessment. Drivers with penalty points are statistically more likely to be involved in accidents or commit further driving offences. As a result, they are considered a higher risk to insure.

• Higher Premiums: Due to the increased risk associated with drivers who have penalty points, insurance companies may charge higher premiums to cover the potential costs of future claims. The more penalty points a driver has, the higher their insurance premium might be.

• Incentive for Safe Driving: The potential increase in insurance premiums serves as an additional incentive for drivers to adhere to road safety rules and avoid accumulating penalty points. By driving safely and responsibly, drivers can not only avoid legal penalties but also financial implications in the form of higher insurance costs.

• Maintaining a Clean Record: In Ireland, penalty points remain on a driver’s record for a specific period, after which they expire. By avoiding further offences during this period, drivers can ensure that their record remains clean. A clean driving record is often rewarded by insurance companies with more competitive premium rates.

• Insurance Market Competition: It’s worth noting that the insurance market in Ireland is competitive. Different insurance providers might have varying policies regarding penalty points and how they affect premiums. Therefore, it’s always a good idea for drivers to shop around and compare quotes, especially if they have penalty points on their record.

Tips for Novice Drivers:

• Always adhere to speed limits.
• Avoid using mobile phones, even hands-free, while driving.
• Regularly review and stay updated with traffic rules.

Summary

Safe driving in Ireland keeps you out of legal trouble and can save you money on insurance.

Novice drivers should follow the rules of the road around penalty points, and avoid committing any driving offences that may result in penalty points. Keep your driving record clean, and your car insurance premiums lower. Remember:

• Novice drivers in Ireland are those who have held their first learner permit for less than two years.

• They are subject to different penalty point rules than fully licensed drivers.

• The number of penalty points a novice driver can receive depends on the type of offence.

• If a novice driver accumulates 7 or more penalty points within the first two years of driving, their license will be revoked, and they will need to reapply for a learner permit.

• Penalty points can affect car insurance premiums, as drivers with points are seen as higher risk.

How Many Points Can a Novice Driver Get?
FAQs

A.

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:

A.

Like every time you get behind the wheel, learning to drive is a journey. It’s a journey filled with learning, practice and, inevitably, a few mistakes along the way.

And as the test date approaches, people often find themselves worrying or stressing over driving test mistakes which leads to pre-test nerves. Understanding how mistakes are categorised and how many you’re allowed to make during your driving test can significantly ease the anxiety that comes with taking the test.

Our guide below provides the specifics of permissible mistakes in the Irish driving test and offers tips on how to avoid them.

The Driving Test in Ireland

Once you’ve passed your theory test, held a learner’s permit for at least 6-months and completed your EDT, you are eligible to take the driving test in Ireland.

The test evaluates your driving skills, decision-making, and adherence to traffic laws. And covers a wide range of driving scenarios and skills, including:

• Adherence to traffic laws
• Observation and awareness
• Positioning on the road
• Control of the vehicle
• Anticipation and reaction to other road users

Duration

The driving test lasts approximately 30 to 40 minutes. This time frame allows the examiner to assess a variety of driving situations and manoeuvres.

Components of the Test

Oral Test: Initially, you’ll be asked questions on the Rules of the Road, road signs, and under-the-bonnet checks. This assesses your theoretical knowledge.

Technical Checks: You will be asked to identify and explain various vehicle checks to ensure the car is safe for driving. This could include checking oil levels, brake fluid, tyre pressures, and lights.

Practical Test: The bulk of the test is the practical component, where you’ll be assessed on your driving skills in a variety of road and traffic conditions. During the practical test you will be assessed in a number of different driving scenarios and situations, including:

• Moving off
• Driving in traffic
• Turning left and right
• Navigating roundabouts and junctions
• Understanding traffic signs signals
• Understanding hand signals
• Stopping
• Parking
• Reversing round a corner
• Performing a 3-point turn
• Hill starts

Manoeuvres: You’ll be required to demonstrate specific manoeuvres, such as reversing around a corner, turning about to face the opposite direction, and possibly hill starts and parallel parking.

Categorisation of Mistakes

Grade 1 Faults

Grade 1 faults are very minor errors that typically don’t affect your overall test result. Example of Grade 1s include hesitating before moving off, minor positioning errors on straights/bends or slight misuse of the car’s primary controls. While they don’t affect overall test results, too many in a single category, e.g. observation, may lead to a fault.

Grade 2 Faults

Grade 2 faults are errors that aren’t immediately dangerous but demonstrate a lack of complete understanding or control. Examples include incorrect mirror use, minor positioning errors, or not signalling timely. 

You’re allowed to accumulate up to 8 Grade 2 faults without failing your test, provided they don’t form a pattern indicating a significant deficiency in driving ability. Repeating the same Grade 2 fault four times or exceeding 8 Grade 2s will result in failure of your driving test.

Grade 3 Faults

Grade 3 faults are considered serious or dangerous mistakes and committing a single Grade 3 fault results in automatic failure. These are mistakes that pose a risk to the driver, passengers and other road users and pedestrians.

Examples include failing to yield, dangerous manoeuvres or a lack of control over the vehicle. Committing a single Grade 3 fault will result in failing the driving test.

How Many Mistakes Are Allowed?

The allowance in the Irish driving test is up to 8 Grade 2 faults. However, it’s crucial to understand that these should not all be in the same category of driving skill, as this could indicate a significant area of weakness leading to failure. 

Accumulating more than 9 or more Grade 2 faults, or committing any Grade 3 fault, will result in a fail. As per the RSA marking guidelines, failure of the test occurs if the applicants picks up:

• 1 or more grade 3 faults.
• 4 of the same grade 2 faults for a single aspect.
• 6 or more grade 2 faults under the same heading.
• 9 or more grade 2 faults overall.

Common Driving Test Mistakes: Reasons For Failing Your Test

Many Irish drivers don’t pass their test first time around. While nerves can sometimes play a part on the day, reasons for failure most commonly come down to a lack of competency or consistency in a key area of safe driving. According to the RSA, the most common reasons for failure are:

• Inadequate observation moving off, at junctions, at roundabouts and when changing lanes
• Failure to anticipate the actions of other drivers
• Incorrect road position on the straight, on bends, turning left, turning right, at roundabouts, and when overtaking
• Inadequate progress at junctions, roundabouts, on the straight, and when overtaking
• Incorrect or inadequate use of mirrors and signals
• Non-compliance with traffic controls, eg road signs and markings and traffic lights
• Incorrect, inadequate or inappropriate use of vehicle controls, including gears, clutch, accelerator, steering, handbrake, footbrake, and secondary controls
• Excessive speed for the road or traffic conditions
• Failure to yield the right of way to others
• Lack of competence in the reverse and U-turn manoeuvres

Driving Test Fail Myths

There are also quite a few myths on what is and what isn’t an instant fail in your driving test. Our KennCo Young Driver Ambassador, Brendan Tierney, breaks down some of the more common myths that learners might hear about coming up to their test. 

View this post on Instagram

A post shared by CarsIreland.ie (@carsireland.ie)

Tips for Minimising Mistakes

Practice Makes Perfect

The most effective way to reduce mistakes is through ample practice. Spend as much time as possible practising driving in a variety of conditions and settings. This not only improves your skills but also builds confidence.

Understand the Rules

A thorough understanding of the Rules of the Road is crucial. This knowledge forms the basis of safe driving practices and decision-making during the test.

Take a Pre-Test

Consider taking a pre-test with your instructor. This can simulate the test experience, helping you to become accustomed to the format and pressure of the actual test.

Learn from Feedback

If you’re taking lessons from a driving instructor, pay close attention to their feedback. They can help identify areas of weakness and provide targeted advice to improve your driving.

Stay Calm

Test anxiety can lead to mistakes. Practice relaxation techniques and maintain a positive mindset. Remember, the examiner expects to see a human driving, not a robot. They understand that minor mistakes can happen.

You have already voted for this poll.

How aware are you of the fault grading system (Grade 1, 2, 3 faults) for the Irish driving test?

Making Mistakes in the Irish Driving Test

Passing the driving test in Ireland requires a blend of skill, knowledge, and composure. Understanding what’s expected and the mistakes you’re allowed to make can help reduce anxiety and pre-test nerves. 

Remember, the goal of the driving test is not perfection but to demonstrate a competent and safe level of driving. By concentrating on your driving, putting in the practice, and approaching the test with a calm and prepared mindset, you can get that full license. 

Good luck! And once you’ve passed your test, remember to contact KennCo for a fast, reliable quote on your car insurance.  And if you’re a young driver, learn how KennCo can help you get your car on the road quickly and easily. Call us today at 01 409 2600.

Frequently Asked Questions
How Many Mistakes Are Allowed in the Irish Driving Test?

How do I book my driving test in Ireland?

You can book your driving test online through the official Road Safety Authority (RSA) website. You’ll need your learner permit details and a method of payment.

How much does the driving test cost?

The standard fee for a car driving test in Ireland is €85. This fee is subject to change, so it’s a good idea to check the latest information on the RSA website.

Can I use my own car for the driving test?

Yes, you can use your own car for the test, provided it is roadworthy and meets the RSA’s requirements. The vehicle must be insured, taxed, and have passed the NCT if applicable.

How long do I have to wait before I can take a retest?

If you are unsuccessful, the RSA will automatically send you another invitation to take a test in roughly 6 to 8 weeks after your failed test.  This may take longer in some centres with high demand.

Is there a limit to how many times I can take the driving test?

No, there’s no limit to the number of times you can attempt the driving test. However, it’s beneficial to use each attempt as a learning experience to improve your driving skills.

Can I appeal a driving test result?

If you believe there has been an error in how your test was conducted, you can appeal the decision through the RSA. However, appeals must be based on the conduct of the test rather than disagreement with the examiner’s assessment of your driving.

Save On Young Driver Car Insurance?

At KennCo, we understand that it can be hard for young drivers to get their first car on the road. That’s why we offer low-cost and reliable young driver car insurance.

Get a Secure Quote Today