Category: Blog

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Looking for cheap car insurance? The cost of car insurance is a widely discussed topic at the moment. As we have stated previously, there are many factors influencing the increase in car insurance premiums, including under-pricing in the past and the cost of compensation in Ireland. But what can you do to get a cheaper quote? We’ve compiled a list of tips on getting cheap car insurance

Car Engine Size

Reducing the engine size of your car is a direct way to get cheap car insurance. The cost of your premium can increase dramatically if you drive a high-performance car. 

It may be tempting to buy a car with a higher engine size. Their acceleration and performance are usually much better, and you may require a larger engine if you’re pulling heavy loads with your car.

But it’s worthwhile to take a step back and ask yourself whether you need to buy a 2-litre car compared to smaller engine size. Not only will it reduce the cost of your car insurance, but it also reduces your car’s fuel consumption and is kinder to the environment. On top of that, if you’re driving a car manufactured before 2008, it may also lead to savings of more than €400 on your motor tax!

Along with the savings you can make on insurance, fuel and tax, it may also lead to safer driving. The reason your car insurance increases if you drive a higher-performance car is due to the increased risk of an accident. Driving a car with a lower engine size encourages you to drive more slowly and thus reduces your chances of being involved in a serious accident. 

Spend Less Time on the Road

Spending less time driving your car reduces the likelihood of you being in an accident. We know that it’s unrealistic to ask you to cut down your car trips, especially if you’ve kids who need to be dropped at school, football, dancing lessons, swimming…the list goes on. If you own a car, chances are that you usually need to be on the road. But you can make a conscious effort to cut down on the number of trips that you make per day.

Why not pick up your shopping on your way home from dropping off your kids instead of making two trips? You’ll reduce your chances of an accident, save on fuel and help save our planet.

When you’re filling out your car insurance application, you will usually be asked your annual mileage, and lower mileage usually means lower premiums!

Avoid Penalty Points

The number of penalty points you accrued can be a key indicator of your driving history for insurance companies. You will see an increase in your insurance premium after 4 penalty points or more with most insurance companies.

KennCo allows you 5 penalty points without adding anything extra to your premium. Penalty points last for 3 years in Ireland, so if you’re caught driving while using your phone on one occasion and driving with worn tyres on another in the space of three years, you’re likely to see an increase in your insurance premium.

The amount of offences that result in your receiving 3 penalty points has increased recently. Some of these include:  

• Failure to stop a vehicle before the stop sign/stop line
• Failure to yield right of way at a yield sign/yield line
• Crossing a continuous white line
• Failure by vehicle to obey traffic lights
• Failure to leave appropriate distance between you and the vehicle in front
• Holding a mobile phone while driving
• The driver of the Car or Goods vehicle not wearing a Safety belt
• Failure by the Driver to comply with rear seat belt requirements for passengers under 17 years

You can see a full list of offences that incur penalty points on the RSA website. It goes without saying that you should always be aiming to drive safely enough not to accrue any penalty points. Not only does it help you to get cheap car insurance, but it also means you’re a safer driver for yourself and others on our roads.

Install a Security System

Installing a security system in your car can help reduce your car insurance premiums. A security system can include an alarm, immobiliser, or tracker. These devices make it more difficult for thieves to steal your car, reducing the risk of a claim. Some insurers offer discounts for cars with security systems installed.

Add a Named Driver 

Adding a named driver to your car insurance policy can help reduce your premiums. A named driver is someone who regularly drives your car and is listed on your insurance policy. Ensure the named driver has a clean driving record, which can affect your premiums. Avoid adding a high-risk driver to your policy, as this can increase your premiums. A named driver could be a parent, a partner or someone else.

Pay Annually

Pay Annually Paying for your car insurance annually instead of monthly can save you money. Insurance companies usually charge interest on monthly payments, making it more expensive in the long run. If you can afford to pay for your insurance upfront, it’s worth doing so to save money.

Understanding Insurance Premiums for Cars:

The cost of car insurance can be influenced by various factors. Here’s a deeper dive into some of the key elements that can affect your premium:

1. Vehicle Age and Model:
   While newer cars might come with a heftier price tag for insurance due to their replacement cost, they often boast advanced safety features. These features can be your ticket to discounts on cheap car insurance. Remember, luxury cars, despite their allure, generally have higher premiums.
2. Location Matters:
   Your postcode can play a surprising role in your quest for cheap car insurance. Urban areas with higher crime rates might push up your premiums, so it’s something to consider.
3. How Often Do You Drive?
   If you’re using your car daily for commuting, you might see a spike in premiums. Less frequent use could edge you closer to that cheap car insurance goal.
4. Age and Experience of the Driver:
   Young or inexperienced drivers might find it a tad harder to secure cheap car insurance due to perceived risks. But don’t be disheartened; time and a clean record can change this.
5. Past Claims Can Haunt:
   Your history with claims can cast a long shadow. For the best shot at cheap car insurance, try to maintain a claim-free record.

Summary

In summary, the lower the risk of being in an accident, the higher your chances of getting cheap car insurance. Lower speeds, reduced risk-taking and less time driving should result in you getting car insurance that you can afford.

If you’d like to get a quote today, ring one of our agents on 01 409 2600 or visit our car insurance quote page.

FAQS

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Keeping our homes and loved ones secure is paramount for all homeowners. A dependable home alarm system is an essential investment in an increasingly uncertain world if you want to protect your property. It is crucial to understand the different types of home alarm systems. This helpful blog post provides a thorough overview of several home alarm systems, their features, advantages, and concerns so you can pick the best option for your requirements.

Traditional Wired Alarm Systems

Traditional wired alarm systems have long been the go-to choice for homeowners seeking dependable security solutions. These systems are hardwired into the home’s electrical circuit and use physical connections to link various components, such as sensors, control panels, and sirens.

However, installing wired alarm systems can be labour-intensive and may require professional assistance. The extensive wiring can be challenging to conceal, potentially impacting the aesthetics of your home. Additionally, wired systems are not easily expandable or adaptable to evolving security needs. Nevertheless, a traditional wired alarm system might be ideal if you prioritise a robust and reliable security solution.

Wireless Alarm Systems

Wireless alarm systems have gained immense popularity in recent years due to their flexibility and ease of installation. These systems utilise radio frequencies to transmit signals between the various components, eliminating the need for extensive wiring. With wireless alarm systems, you can place sensors and detectors at strategic locations throughout your home without worrying about hiding or managing unsightly cables.

These systems are very flexible and extendable because they are wireless. If necessary, you may quickly upgrade current components or add more sensors. Furthermore, wireless alarm systems frequently come with practical extras like smartphone applications for remote access and control. However, remember that wireless systems are subject to signal interference and that wireless sensors and detectors may occasionally need to change their batteries.

Smart Home Security Systems

Welcome to the era of smart home security systems! These cutting-edge house alarm systems leverage the power of the Internet of Things (IoT) to provide comprehensive security solutions while offering seamless integration with other smart devices in your home. Smart home security systems are designed to surpass traditional alarm functionalities, incorporating features like video surveillance, home automation, and remote monitoring.

One of the standout benefits of smart home security systems is the ability to control and monitor your home security from anywhere, anytime, using your smartphone or other connected devices. This convenience allows you to receive real-time alerts, view live camera feeds, and even remotely arm or disarm your system. Some smart systems also use advanced technologies like facial recognition or voice control for enhanced security and ease of use.

Video Surveillance Systems

Video surveillance systems have become increasingly popular as integral to comprehensive house alarm systems. These systems typically consist of cameras strategically placed around your property, capturing high-definition video footage of key areas. Video surveillance offers both a deterrent effect and the ability to provide valuable evidence in the event of a security breach.

Modern video surveillance systems often employ advanced features such as motion detection, night vision, and facial recognition. Some systems also allow storing recorded footage locally or in the cloud for easy access. It’s important to check local regulations and laws regarding video surveillance to ensure compliance.

Monitored Alarm Systems

For homeowners seeking extra protection, monitored alarm systems offer peace of mind through 24/7 professional monitoring services. With a monitored system, alerts from sensors or detectors are transmitted to a monitoring headquarters, where trained operators can assess the situation and take appropriate action, such as notifying the homeowner or dispatching emergency services.

Monitoring alarm systems reassure households seeking additional security by providing round-the-clock, expert monitoring services. A monitored system sends alerts from sensors or detectors to a monitoring centre, where qualified operators can evaluate the situation and take the necessary action, such as notifying the homeowner or calling for help.

Outdoor Perimeter Protection

While traditional house alarm systems focus on securing the interior of your home, outdoor perimeter protection provides an added layer of defence by securing the outer boundaries of your property. These systems use infrared sensors, motion detectors, and perimeter beams to detect unauthorised access to your premises.

Effective perimeter security can serve as a deterrent, stopping possible trespassers before they even get to your house. The incorporation of outdoor security lighting further increases the effectiveness of these systems. When implementing outside perimeter security, it’s crucial to consider the existence of pets, wildlife, or other potential sources of false alarms.

Alarm System Integration

To maximise the efficiency and effectiveness of your house alarm system, consider integrating it with other security features and devices. The integration allows different components to work together seamlessly, creating a holistic security ecosystem. For example, combining your alarm system with smart door locks enables automatic arming or disarming when you leave or enter your home.

Other possible integrations include connecting your alarm system with smoke detectors, carbon monoxide detectors, or even water leak sensors to provide comprehensive protection against various risks. Integration also opens up centralised control and automation opportunities, allowing you to manage multiple security features through a single interface or smartphone app.

Choosing the Right House Alarm System

When selecting a house alarm system, you must consider your specific security needs, budget, and the most essential features. Conduct a thorough assessment of your property, identify potential vulnerabilities, and determine the level of security you require. Consider factors like ease of use, scalability, and compatibility with existing smart devices.

Furthermore, seek advice from reputable security professionals or consult experienced homeowners to gather insights and recommendations. Reading customer reviews and comparing different products or brands can also provide valuable information. Investing in a reliable house alarm system will give you peace of mind and enhance the safety and security of your home and loved ones.

Conclusion

In an ever-changing world, securing your home with a reliable house alarm system is essential to protect your loved ones and belongings. Whether you opt for a traditional wired system, a wireless solution, or a cutting-edge smart home security system, various options are available to suit your specific needs. 

By understanding the features, benefits, and considerations of different house alarm systems, you can make an informed decision that enhances the security of your home. Stay one step ahead of potential threats and safeguard your haven with the right house alarm system.

If you are considering purchasing a home insurance policy, get a secure quote from KennCo today to see how much you can save. 

Our new Contents Only product is ideal for Renters in Ireland who want to protect their possessions in rented homes. Click here to apply for a Contents Only Home Insurance Quote. 

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Power outages can occur unexpectedly and disrupt our daily lives. Being prepared for a power outage is essential, whether caused by severe weather conditions, equipment failures, or other unforeseen circumstances. This article will provide you with a comprehensive guide on preparing for a power outage, ensuring you have the necessary tools and knowledge to handle such situations effectively.

Common Causes of Power Outages:

Power outages can occur due to various reasons, often unexpected, impacting households and businesses alike. Understanding the common causes can help in better preparation and response. Here are some prevalent triggers:

1. Weather Conditions:

Severe weather is one of the most common causes of power outages. Storms, hurricanes, and heavy snowfall can damage power lines, leading to outages. Lightning strikes can also cause temporary disruptions or damage to the electrical equipment.

2. Accidents:

Vehicle accidents involving utility poles can lead to power outages. The impact can damage the poles or the power lines, causing an interruption in the electrical supply.

3. Equipment Failure:

Electrical equipment is not immune to wear and tear. Over time, components can fail, leading to power outages. Regular maintenance is crucial to mitigate such occurrences.

4. Wildlife:

Animals, especially birds and squirrels, can sometimes interfere with power lines and electrical equipment, leading to outages. Utility companies often install wildlife guards to prevent such incidents.

5. Tree Limbs:

Overgrown tree limbs can come into contact with power lines, especially during high winds or storms, leading to outages. Regular trimming of trees near power lines can help prevent this issue.

6. Natural Disasters:

Earthquakes, floods, and other natural disasters can damage infrastructure, including power lines and substations, leading to widespread power outages.

7. Planned Outages:

Sometimes, utility companies schedule outages to perform maintenance or upgrades to the electrical system. These are typically announced in advance.

Understanding these common causes can aid residents in preparing adequately for power outages, ensuring safety and minimizing inconvenience during such events. It underscores the importance of having an emergency kit and plan in place to navigate power outages effectively.

How to Prepare for a Power Outage

The duration of power outages can range from a few minutes to several hours or even days. Follow these instructions to appropriately prepare so that your security and comfort are guaranteed during such times:

Create an Emergency Kit

It is crucial to have an emergency kit readily available in case of a power outage. The kit should include essential items such as:

• Flashlights with extra batteries
• Non-perishable food items
• Bottled water
• First aid supplies
• Battery-powered radio
• Blankets and warm clothing

Having these supplies on hand will help you navigate through the outage period comfortably.

Stock Up on Food and Water

Predicting how long a power outage will last before the electricity is restored is difficult. So it’s a good idea to store non-perishable foods that need not refrigerated. Granola bars, dried fruits, and canned items are all fantastic choices.

Additionally, ensure you have an ample supply of bottled water. A general rule of thumb is to have at least one gallon of water per person daily for at least three days.

Install Backup Power Sources

Purchasing backup power supplies can be quite beneficial during a power outage. Consider getting a portable generator or setting up a home power backup system. These gadgets can temporarily power Essential appliances and equipment, keeping your home functioning smoothly when the electricity is out.

When using a generator, follow safety guidelines and keep it outdoors to avoid carbon monoxide poisoning.

Protect Your Electronics

Power outages can cause fluctuations in electrical currents, which may damage sensitive electronic devices. To safeguard your electronics, use surge protectors and unplug them during a power outage. This precaution will prevent damage from power surges when the electricity is restored.

Keep Communication Channels Open

Staying informed during a power outage is crucial. Ensure you have a battery-powered or hand-cranked radio to receive updates on the situation. Keep your mobile devices fully charged and have alternative means of charging them, such as portable power banks or car chargers.

Maintain Adequate Lighting

When the lights go out, having alternative lighting sources is essential. Place flashlights in easily accessible locations throughout your home. Consider investing in battery-operated LED lanterns or candles to provide sufficient illumination.

Remember to exercise caution when using candles and never leave them unattended.

Preserve Refrigerated and Frozen Items

During a power outage, the refrigerator and freezer will gradually lose their cooling capabilities. To minimize food spoilage, keep the refrigerator and freezer doors closed as much as possible. A full freezer typically keeps food frozen for about 48 hours, while a half-full freezer lasts approximately 24 hours.

Learn Basic First Aid Skills

In a power outage, emergency services may be overwhelmed or have limited access to affected areas. Learning basic first aid skills can empower you to handle minor injuries or medical emergencies confidently. 

Stay Warm in Cold Weather

Power outages during cold weather can be particularly challenging. To stay warm, layer your clothing and use blankets and sleeping bags to conserve body heat. If you have a fireplace or wood-burning stove, ensure it is in proper working condition and has a sufficient firewood supply.

Avoid using fuel-burning equipment indoors, as it can lead to carbon monoxide poisoning.

Secure Your Home

During a power outage, it is essential to maintain the security of your home. Keep doors and windows locked, and consider installing battery-operated security systems or motion-activated lights. This precaution will deter potential intruders and provide peace of mind during challenging times.

Frequently Asked Questions 

How long do power outages usually last?

Power outages can last for various lengths depending on the source and the work needed to restore electricity. While some outages could only last a short while, others might linger for several hours or even days.

Will my landline phone work during a power outage?

Traditional landlines often function even during a power outage because they rely on the telephone line for power. However, cordless phones that depend on electricity cannot work.

Can I use my gas stove for heating during a power outage?

Although a gas cooker may produce heat, it is not advisable to use it as the main heating source during a power outage. Carbon monoxide, a quiet and potentially fatal gas, can be produced by gas burners. An adequately vented fireplace or wood-burning stove, blankets, sleeping bags or heating techniques are safer.

Is it safe to use a portable generator indoors?

No, using a portable generator indoors is not safe. Carbon monoxide, a deadly gas that generators release, can quickly accumulate in enclosed rooms, posing significant health concerns, including death. To maintain sufficient ventilation, always run generators outside, away from doors, windows, and vents.

Should I unplug my appliances during a power outage?

Unplugging your appliances during a power outage is advised. Power surges that can harm delicate electronics may occur when the power is restored. Your appliances can be shielded from potential harm by being unplugged.

Key Takeaway 

If you are unprepared, power outages can be uncomfortable and even deadly. You can guarantee your security, ease, and tranquillity in such circumstances by following the instructions in this detailed handbook. Always keep informed, assemble an emergency supply kit, stock up on necessities, and install backup power sources. You may easily navigate through power outages and lessen their influence on your everyday life by making the necessary preparations.

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Starting off driving can be daunting. You don’t know how to drive, and you’ve never gone through the process of getting an insurance quote before. A learner driver needs to get insurance before getting on the road, and the right type of cover is essential. KennCo can help you with your first steps to getting on the road. We offer both Comprehensive Car Insurance and Third Party Fire & Theft Car Insurance. 

As you are new to driving and have no experience on the road, you will be paying a higher insurance premium. As you’re young and may not have the money to get on the road, we want to give learner drivers the lowest cost that we can. We want you to get on the road and feel that independence!

What Insurance Should You Choose

Some learner drivers may want to build up their no-claims bonus before they pass their test, so in this case, we would recommend taking out insurance in your own name. For example, it will be more expensive upfront than being added as a driver to a parent’s policy. But it’s good to build up that no-claims bonus straight away. We offer learner drivers the following coverage:

Third Party Fire & Theft – Third Party Fire and Theft covers you for any damage due to fire or theft. It also covers any damage to third parties where you’re at fault. Damage to your own car is not covered. 

Comprehensive – Comprehensive cover is the highest level of car insurance. We will cover the cost of your car and any third parties, even if you’re at fault. 

Comprehensive insurance is most popular for learner drivers. As they are relatively inexperienced, it is best to cover yourself for any possibilities. 

Calculating Insurance Premiums:

Insurance premiums for learner drivers are a crucial aspect to consider when stepping into the world of driving. These premiums are not arbitrary but are calculated based on a combination of factors to evaluate the risk associated with insuring the learner driver. Here’s a deeper dive into these elements:

Type of Car:

The make, model, and age of the car play a significant role in determining the insurance premium. Cars with higher safety ratings and features often attract lower premiums, while high-performance or luxury cars can lead to higher costs. The cost of repairs and replacement parts for the vehicle is also considered, with more expensive cars typically leading to higher premiums.

Driving History:

For learner drivers, the driving history might include any incidents or violations that occurred while driving under a learner’s permit. A clean record can be a positive indicator, leading to lower premiums, while incidents like accidents or violations can raise the premium.

Safety Features:

Cars equipped with advanced safety features such as anti-lock brakes, airbags, and electronic stability control can lead to reduced premiums. These features minimize the risk of accidents and injuries, making the driver a lower risk for the insurance company.

Discount Opportunities:

Learner drivers can often reduce their insurance premiums by availing themselves of various discounts. Completing advanced driving courses can demonstrate the driver’s commitment to safe driving, leading to reduced premiums. Additionally, maintaining a clean driving record, free of accidents and violations, can also lead to discounts.

Location and Usage:

Where the car is stored and how it’s used can also impact the premium. Cars stored in safe locations and those used infrequently or for short distances can often attract lower premiums.

Personal Factors:

Age, gender, and occupation can also play a role in premium calculations. Statistics related to different demographics and their associated driving risks can influence the cost of insurance.

What You Need to as a Learner Driver 

As a learner driver, you must remember a few things to ensure you can drive safely and legally on the road. 

Display L Plates

As soon as you pass your theory test and obtain car insurance, you must put up L plates on the rear and front of your car. Driving without L plates is an offence, and you could get 2 penalty points and a fixed penalty of €60 which can then increase to 4 penalty points and a €90 fine if convicted in court. 

 

 

Never Drive Unaccompanied

As a learner driver, you must drive with an accompanied full driver. That driver could be a parent, sibling, spouse or whoever once they’ve held their license for over two years. It is against the law to drive unaccompanied on a learner permit. If you are convicted of driving unaccompanied or let an unaccompanied driver use your vehicle, then the following penalties apply to you:

• If you drive unaccompanied and own the vehicle, your vehicle may be impounded.
• If you drive unaccompanied but the vehicle is not yours, the owner’s vehicle may be impounded and face a fine of up to €1,000.

An unaccompanied learner driver may also face up to 4 penalty points and a fine of up €120. As you can see, driving unaccompanied as a learner driver is a very serious offence.

Who Can Supervise a Learner Driver

Many learner drivers choose to be added to a parent or siblings policy to get practice between their lessons. As stated above, you need to be accompanied by a fully licensed driver who has held their full license for over two years. Most drivers will benefit from extra practice with parents or a sibling. It helps give you more practice and time on the road before your test. 

Get 12 Driving Lessons (EDT)

Essential Driving Training covers the learner driver for 12 sessions of training to help get you safely on the road. The purpose of EDT is to save lives. As a learner, you are more vulnerable to accidents than other drivers due to inexperience. EDT helps you maximise your road safety knowledge and behaviours by giving you the skills and confidence to drive on the road. It is best to spread EDT over six months to ensure that you can practice your skills after each lesson. 

If you want to purchase car insurance, get a quote online today! We have more information and FAQs on young driver car insurance to answer all your questions.

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Purchasing your first car is an exciting moment in your life. You’ve done all your lessons and passed your test, so it’s finally time to get your own car. As exciting as it can be, it can also be costly. As a first-time driver, you are more than likely a young driver who may not have lots of money. We were all that age once. You want something cheap to insure for your first car, safe and easy to drive. Below are some recommendations on cars to buy in 2024 for first-time drivers.

Buying a New vs Old car

We would all love our first car to be a brand new car, but we don’t all have this luxury. When buying a new car, you will get a long manufacturer’s warranty on it should anything go wrong with your car. But you need to realise the moment you drive that car out of the dealership, it decreases in value. Buying second-hand is usually a great place to start if you’re a first-time driver. There are some risks associated with buying second-hand cars from a private seller. Buying from a dealership is a much safer option, and you will get some protection. Most dealerships will offer a period of warranty with a car, dependent on the age of the car, in case any small issues arise in the first few months.

We have a dedicated blog on buying your first car, which goes through all the different factors you should consider to lower the price. 

Where To Buy Cars Online

There are several online platforms where you can view cars to purchase from private sellers and dealerships. These are a few which our customers have used:

Carzone: Carzone is one of the most popular websites to buy cars with thousands to choose from. You can even filter searches between new and used cars if you have decided which to choose. 

Carstore.ie: This website is run by Kearys Motor Group. They have over 700 used cars on display on their website. All their cars are listed with full details. All cars come with a full history check so that you have peace of mind buying your new car.

Cars.ie: This site has over 41,000 new and used cars around the country. They are primarily from dealerships, so you will have buyer protection from them. 

How To Purchase a Car Online

As you can see above, there are some great websites to look at cars to purchase online. When looking for a car, you should know the following:

• Minimum/ Max year you would purchase
• The minimum/maximum price you’d pay (your budget)
• The Body Type
• The make and model (if you have a car in mind)

Once you know these details, you can input them into your filters to get a more refined search. The website will tailor the search results to your liking.

Once you find a car you’re interested in, email the dealer for more information. 

The best first cars for new drivers in 2024

Here we have found some excellent cars for first-time drivers. 

Volkswagon Polo

Volkswagen Polo stands as a testament to quality and reliability. It’s a compact car, yet spacious inside, offering new drivers a comfortable and safe environment to hone their skills.

The Polo boasts a range of tech features, including a touchscreen infotainment system, smartphone integration, and a host of safety aids like adaptive cruise control and emergency braking. Its precise handling and smooth ride quality make it a favourite among young drivers. The car’s build quality is solid, echoing Volkswagen’s reputation for durability and excellence.

Ford Fiesta

The Ford Fiesta is a classic choice for new drivers, renowned for its agile handling and smooth ride. It’s a car that feels as comfortable zipping through city streets as it does cruising on motorways.

Inside, the Fiesta is equipped with features that make driving a pleasure. Think of a user-friendly infotainment system, Apple CarPlay and Android Auto compatibility, and a spacious interior. Safety is also a strong point, with various assistive features to keep the driver in control and passengers safe. Plus, its economical fuel consumption makes it a wallet-friendly option for those looking to save on running costs.

Toyota Yaris

The Toyota Yaris has always been a popular car for first-time drivers. They are an affordable car and feature exceptional fuel efficiency getting you further, meaning fewer stops and less fuel to purchase. 

Safety tech is excellent on the Yaris. There are numerous safety features such as a low-speed pre-collision system, advanced airbag system and a tyre pressure monitoring system. 

There are many tech features on the newer Yaris models, such as a 7″ touchscreen interface for audio and Bluetooth connectivity with your phone.

Seat Ibiza

The SEAT Ibiza stands out with its sporty design, impressive fuel efficiency, and responsive handling. It’s a car crafted for those who want a dynamic driving experience without compromising on safety or comfort.

The interior is a blend of style and functionality, featuring a touchscreen infotainment system, ample legroom, and a range of safety features to instill confidence in every new driver. The Ibiza’s performance is as impressive as its aesthetics, offering a smooth, responsive driving experience that makes it a favourite among the younger demographic.

Volkswagen Up!

The Volkswagen Up! offers young drivers the perfect first car. It offers phone connectivity, a brilliant three-cylinder engine, and is easy to drive. If you’re a nervous driver, the Volkswagen Up will have you oozing in confidence in no time. 

The Volkswagen Up! is a brilliant city car for short commutes and has a small engine meaning it won’t break the bank to get insured on it.

Suzuki Swift
The Suzuki Swift is a gem for first-time drivers, combining efficiency, agility, and style in one compact package. It’s a car that’s as fun to drive as it is practical, making every journey an enjoyable experience.

Inside the Swift, drivers are greeted with a host of features including a user-friendly infotainment system, smartphone connectivity, and a comfortable, spacious interior. Safety is paramount, with the Swift boasting features like adaptive cruise control and lane assist. Its economical fuel consumption and low emissions make it an eco-friendly and budget-conscious choice for new drivers.

Hyundai10

The Hyundai i10 is a reliable and roomy car that will help build confidence for all first-time drivers. The i10 feels great to drive at high speeds and is easy to handle, even for nervous drivers. 

You get plenty for your money, too, with a Hyundai i10. It features electric windows, air conditioning, and a radio with Bluetooth connectivity. There is also a 7″ touchscreen interface with a sat-nav to help you navigate the new roads. If you purchase it new, you will be able to avail of Hyundai’s five-year warranty. 

KennCo specialises in young driver car insurance so be sure to get a quote online or call our agents on 014092600 for a quote over the phone. Purchase online 24/7 with payment options available. 

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Penalty Points Ireland Explained 2023

The penalty point system in Ireland was set up to encourage drivers to drive safely and reduce the number of casualties on the roads. Several driving offences incur penalty points, and we will look through them. Some driving offences also have other penalties, such as fines on top of the penalty points. Penalty points are recorded on your driving license record. They will remain on your record for three years, and you must ensure you let your insurance company know when applying for car insurance.

How do Penalty Points Work?

Penalty points in Ireland are recorded on your driving license on the following occasions:

• You are convicted in court on a driving offence which incurs penalty points
• You pay a fine issued to you for a driving offence which also carries penalty points

You are automatically disqualified for 6 months from driving if you receive 12 penalty points in 3 years. 

A lower threshold applies to learner permit drivers and the first 2 years of a driver’s first full driving license. These drivers will be disqualified if they have 7 penalty points. 

Penalty points on your driving record can affect your car insurance premium. It will depend on the type of offence and, or the number of offences to determine if a different rate will be applied to your insurance premium. 

Penalty points last for a 3-year period. If your license is outdated during this period, the clock effectively stops. It will then only restart once you renew your driving license again. 

Check out the RSA document on offences incurring penalty points to get a complete list of driving offences.

Most Severe Driving Offences

 Penalty points vary from 2-5, with five being the most severe driving offences. The following list all incur 5 penalty points:

• Driving without car insurance
• Breach of a driver’s duties at a car accident
• Dangerous overtaking
• Parking a vehicle in a dangerous position
• When the driver is found to be driving carelessly
• Failure to stop when so required by a member of the Garda Síochána
• Failure to obey traffic lights
• Failure to obey traffic rules at railway level crossing

Driving Ban

As mentioned earlier, you will be automatically banned for six months if you accumulate 12 penalty points in a 3-year period. Drivers on a learner’s permit have a lower threshold of seven penalty points for disqualification. Once you are disqualified from driving, you must give up your license to the National Driving License Service (NDLS) within ten days. After six months, the points leading to the disqualification will be removed. 

Do Penalty Points Affect Insurance?

The answer depends on a range of circumstances. Typically having less than two penalty points will not affect your car insurance premium, although each insurance company has a different policy regarding penalty points in Ireland. 

You should notify your insurance company if you have any penalty points applied to your driving license. If you do not tell them, it could affect your ability to make a claim in the future. You could be down thousands due to this. It may be frustrating to tell them about your new penalty points, but it could be worse if you don’t.

If you are unsure how many penalty points you have, you may contact the NDLS to find out. 

Will a Driving Ban Affect my Car Insurance?

If you are disqualified from driving, your insurance premium will increase. That’s a guarantee. Your risk of being in a car accident increases. You may find it challenging to get insurance cover now that you have been disqualified from driving. Getting insurance cover from a new insurance provider can be increasingly difficult. 

If your driving ban lasts longer than two years, you will lose your no-claims Bonus (NCB). This will again raise the price of your insurance premium. Essentially the more driving offences you break, the more your insurance will cost you. You’re seen as a hazard on the road and more likely to cause an accident than someone without penalty points. 

Penalty Points Ireland 2023 FAQs

How long do penalty points stay on your licence in Ireland?

Penalty points remain on your driving record for 3 years. 

Do I need to tell my insurance company if I get penalty points?

You should notify your insurance company if you receive any penalty points. The details you provide the insurer forms the basis for your insurance quote. If any details are incorrect or have changed, you must tell them. It may affect your cover if you do not do so. 

Can I drive with 9 penalty points?

Yes, you can drive with 9 penalty points, although you must go to court if you receive another fixed penalty ticket. You are only one driving offence away from getting an automatic 6-month ban. You should drive with care and caution, abiding by all rules of the road. 

What happens if someone else was driving my vehicle?

This is a very valid question. If the Gardaí caught the driving offence on camera, the notice would be sent to the vehicle’s owner. If the owner was not driving the car at the time of the offence, they should fill out the form attached to the notice and state who was driving the car. You should return it, and the Gardaí will forward it to the vehicle’s driver. 

Can penalty points be cancelled?

In rare circumstances, penalty points can be cancelled. You can apply to the Gardaí for the points to be cancelled, but you will have to show reasonable procedural or exceptional grounds for cancellation. 

Procedural grounds include:

• You were penalised for not having tax or insurance, but you can prove that you had tax or car insurance at the time of the offence.
• You no longer owned the vehicle

Exceptional grounds include:

• You broke the speed limit because of an emergency where you had to bring someone to the hospital.
• You broke the speed limit due to an emergency at home, such as a fire. 

A.

If you’ve been involved in a car accident or your vehicle has been damaged, it can be a stressful and confusing time. However, making an insurance claim with KennCo Insurance in Ireland doesn’t have to be complicated. In this blog post, we’ll walk you through the steps you need to take to make a successful insurance claim with KennCo Insurance.

Step 1: Report the incident to the Gardaí 

The first step in making an insurance claim is to report the incident to the Gardaí. You must do this for several reasons. Firstly, it’s a legal requirement to report any accident that results in injury or death. Secondly, a Garda report can be used as evidence in your insurance claim.

Step 2: Notify KennCo Insurance

Once you’ve reported the incident to the Gardaí, the next step is to notify KennCo Insurance. You can do this by calling their claims line on 014092600 or by filling out an online claim form on their website. When you notify KennCo Insurance, you’ll need to provide them with details of the incident, including the date, time, location of the accident, and the registration number of the other vehicle involved. You’ll also need to provide your policy number and contact details.

Step 3: Provide evidence

When you notify KennCo Insurance of your claim, they’ll ask you to provide evidence of the incident. This may include:

• A copy of the Garda report
• Photos of the damage to your vehicle
• Receipts for any expenses you’ve incurred as a result of the incident, such as the cost of a rental car or repairs to your vehicle

Step 4: Assess the damage

Once KennCo Insurance has received your claim and the necessary evidence, they’ll assess the damage to your vehicle. They may ask you to take your vehicle to one of their KennCo-approved repairers for an assessment.

Step 5: Agree on a Settlement

Once the damage to your vehicle has been assessed, KennCo Insurance will make you an offer for the cost of repairs. If you’re happy with the offer, you can agree on a settlement, and the repairs to your vehicle can begin. If you’re unsatisfied with the offer, you can try to reach a mutually acceptable settlement.

Step 6: Repairs

Once a settlement has been agreed upon, the repairs to your vehicle can start. KennCo Insurance may require you to take your vehicle to one of their approved repairers. If your vehicle is a write-off, they’ll make you an offer to settle the claim, and you can then buy a new vehicle.

It’s important to note that the process of making an insurance claim with KennCo Insurance may take several weeks, depending on the complexity of the incident. 

However, KennCo Insurance will keep you updated on the progress of your claim and will answer any questions you may have.

Tips for making a successful claim

• Keep a record of all expenses incurred due to the incident, such as the cost of a rental car or repairs to your vehicle.
• Take photos of the damage to your vehicle as soon as possible.
• Notify KennCo Insurance as soon as possible after the incident.
• Provide all the necessary evidence as requested by KennCo Insurance.
• Be patient. The process of making a claim can take several weeks.

Conclusion

Making an insurance claim with KennCo Insurance in Ireland doesn’t have to be complicated. Following the steps outlined in this blog post and providing all the necessary evidence, you can ensure that your claim is processed as quickly and smoothly as possible. 

A.

Starting off driving can be daunting. You don’t know how to drive, and you’ve never gone through the process of getting an insurance quote before. A learner driver needs to get insurance before getting on the road, and the right type of cover is essential. KennCo can help you with your first steps to getting on the road. We offer both Comprehensive Car Insurance and Third Party Fire & Theft Car Insurance. 

As you are new to driving and have no experience on the road, you will be paying a higher insurance premium. As you’re young and may not have the money to get on the road, we want to give learner drivers the lowest cost that we can. We want you to get on the road and feel that independence!

What Insurance Should You Choose

Some learner drivers may want to build up their no-claims bonus before they pass their test, so in this case, we would recommend taking out insurance in your own name. For example, it will be more expensive upfront than being added as a driver to a parent’s policy. But it’s good to build up that no-claims bonus straight away. We offer learner drivers the following coverage:

Third Party Fire & Theft – Third Party Fire and Theft covers you for any damage due to fire or theft. It also covers any damage to third parties where you’re at fault. Damage to your own car is not covered. 

Comprehensive – Comprehensive cover is the highest level of car insurance. We will cover the cost of your car and andy third parties even if you’re at fault. 

Comprehensive insurance is most popular for learner drivers. As they are relatively inexperienced, it is best to cover yourself for any possibilities. 

What You Need to as a Learner Driver 

As a learner driver, there are a few things you must remember and ensure so that you can drive safely and legally on the road. 

Display L Plates

As soon as you pass your theory test and obtain car insurance, you must put up L plates on the rear and front of your car. Driving without L plates is an offence, and you could get 2 penalty points and a fixed penalty of €60 which can then increase to 4 penalty points and a €90 fine if convicted in a court. 

Never Drive Unaccompanied

As a learner driver, you must drive with an accompanied full driver. That driver could be a parent, sibling, spouse or whoever once they’ve held their license for over two years. It is against the law to drive unaccompanied on a learner permit. If you are convicted of driving unaccompanied or let an unaccompanied driver use your vehicle, then the following penalties apply to you:

• If you drive unaccompanied and own the vehicle, your vehicle may be impounded.
• If you drive unaccompanied, but the vehicle is not yours, then the owner’s vehicle may be impounded and face a fine of up to €1,000.

Who Can Supervise a Learner Driver

Many learner drivers choose to be added to a parent or siblings policy to get practice between their lessons. As stated above, you need to be accompanied by a fully licensed driver who has held their full license for over two years. Most drivers will benefit from extra practise with parents or a sibling. It helps give you more practice and time on the road before your test. 

Get 12 Driving Lessons (EDT)

Essential Driving Training covers the learner driver for 12 sessions of training to help get you safely on the road. The purpose of EDT is to save lives. You are more vulnerable to accidents than other drivers as a learner due to inexperience.

EDT is not just a legal requirement but a foundational element of safe driving. Each of the 12 lessons is structured to impart critical skills and knowledge, preparing the learner for various on-road scenarios. It is also recommended that lessons be spread out over 6 months. This allows learners to absorb, practice, and refine their skills, ensuring that they are not just legally compliant but also confident and competent drivers.

Key Takeaways – Learner Driver Insurance

Starting Off:

• Learner drivers face higher insurance premiums due to lack of experience.
• KennCo offers affordable options to help novices start their driving journey.

Insurance Choices:

• Comprehensive and Third Party Fire & Theft Car Insurance are available.
• Having insurance in one’s own name helps build a no-claims bonus early.

Legal Requirements:

• Learner drivers must display L plates on their vehicles.
• Driving unaccompanied is an offence, leading to penalties and fines.

Accompanying Drivers:

• Learners need to be supervised by a fully licensed driver with over two years of experience.
• Being added to a parent or sibling’s policy can offer additional practice.

Essential Driving Training (EDT):

• EDT consists of 12 mandatory sessions to enhance road safety knowledge and skills.
• It’s advisable to spread the lessons over six months for effective learning.

At KennCo, our tailored insurance options are designed with you in mind, balancing cost and coverage to ensure that every new driver steps into the world of driving with confidence, backed by an insurance cover that’s as comprehensive as it is affordable.

If you are looking to purchase your car insurance, then get a quote online today! We have more information and FAQs on young driver car insurance to answer all your questions.

A.

With rising energy bills and home heating costs, many Irish households are looking for ways to reduce their electricity usage and heating costs. We have a few tips you can practice today to cut back on your energy consumption and save on your energy bills – while making your home more energy efficient at the same time.

1. Turn off any unused lights

Many homeowners light their houses like a lighthouse in the dark. Only leave necessary lights on. Turning off lights in unused rooms is a simple yet effective way to cut costs. Every small action, including this, counts towards a more energy-efficient home and reduced bills, making a significant difference.

2. Cut back on your use of hot water

Conserving hot water reduces your electricity bill. Actions like not leaving the hot tap running and taking shorter showers make a significant difference. In Ireland, where heating costs can be substantial, every bit of hot water saved contributes to a more manageable bill, enhancing financial savings.

3. Always use your dishwasher

Dishwashers, when full, are efficient, using less energy and water than washing by hand. In Ireland, a country conscious about the environment, utilising efficient appliances is a practical step towards greener living and savings on utility bills, promoting both ecological and economic wellness.

4. Turn off all your appliances

Appliances on standby consume electricity. When every Euro counts, turning off appliances can lead to nearly 20% savings on electricity bills. It’s a small step with a noticeable impact on your monthly expenses, offering substantial financial relief over time.

Make it a habit to switch off devices like televisions, computers, gaming consoles, phone chargers, coffee makers, and printers when not in use to lower your costs; and increase your savings and energy efficiency.

5. Turn down the heating a small bit

In chilly Irish winters, it’s tempting to crank up the heating. However, lowering it even by a degree can lead to 10% savings on your heating bill. Combine this with keeping doors and windows sealed to trap heat, and the savings can be significant, enhancing household efficiency.

6. Invest in smart devices

Smart devices offer control over lighting and heating via your phone. In Ireland, where the weather can be unpredictable, having the ability to control your home’s heating remotely ensures comfort upon arrival without wasting energy when no one is home, optimizing energy use.

7. Buy LED light bulbs

LED bulbs use 80% less electricity and last up to 10 times longer. In Ireland, where natural light can be scarce, especially in winter, efficient lighting is essential. It’s an investment that pays off in reduced energy consumption and costs, contributing to a greener environment.

8. Don’t overfill your kettle

In a nation of tea lovers, being mindful of the water boiled in the kettle can lead to energy savings. Boil only what you need, and you’ll use less energy, contributing to a lower electricity bill, making each cup of tea more satisfying.

9. Dry your clothes outside rather than using a dryer

Ireland’s climate can be damp, but on dry days, opt to air dry clothes outside. It saves a significant amount of energy compared to using a tumble dryer. Every load dried outside is a step towards a lower energy bill, making the most of natural resources.

10. Install a Programmable Thermostat

In Ireland, with its variable weather, a programmable thermostat can be a game-changer. It adjusts your home’s temperature automatically, ensuring comfort and efficiency. During those unpredictable Irish seasons, keep your home warm when needed and save energy when it’s not occupied, balancing comfort and conservation.

11. Seal Leaks and Insulate Your Home

The Irish weather can be unforgiving, and a well-insulated home is your defence against the cold. Sealing leaks and insulating walls, attics, and floors keep the warmth in and the cold out. It’s an investment that pays off in comfort and reduced heating costs, especially during those chilly Irish winters, ensuring a cozy, cost-effective home.

15. Unplug Devices

Unplugging devices when not in use or using smart power strips can cut off power and save energy. In an Irish household, where every Euro saved makes a difference, this small habit can lead to noticeable savings on electricity bills, fostering a culture of conservation and savings.

Key Takeaway

Cutting down on energy consumption in your home is more straightforward than it might initially appear. By implementing a handful of practical adjustments and gaining insights into how energy is consumed, you can markedly decrease your usage. Implementing these tips can lead to a more energy-efficient home, reduced utility bills, and a smaller carbon footprint

From managing temperatures indoors to simply unplugging devices and switching off lights; each small action can have significant impact. So, are you prepared to commence your journey towards a more energy-efficient lifestyle?

A.

In today’s world, energy efficiency is not just a trendy phrase; it’s a necessity. As homeowners, we’re increasingly conscious of our carbon footprint and the environmental impact of our homes. But how can we quantify this impact? This is where the Building Energy Rating (BER) comes into play.

Defining the Building Energy Rating (BER)

The Building Energy Rating (BER) measures a home’s energy efficiency. The higher the rating, the more energy-efficient the home is.

The Relevance of BER in Irish Homes

In Ireland, the BER is essential. The Irish climate, characterised by cold winters and relatively cool summers, necessitates well-insulated and energy-efficient homes to keep heating costs manageable. The BER is a mandatory requirement for all homes sold or rented in Ireland, providing potential buyers or tenants with an indication of a home’s energy performance.

Elements of the BER

The Building Envelope

The building envelope (the physical barrier between the conditioned and unconditioned environment of a building) plays a significant role in a home’s BER. This includes the home’s walls, roof, windows, and doors.

Heating and Cooling Systems

The efficiency of a home’s heating and cooling systems also contributes to its BER. This includes the furnace, air conditioner, and ventilation systems.

Lighting and Appliances

Finally, the energy efficiency of lighting and appliances in the home also affects the BER. Energy-efficient appliances and LED lighting can significantly improve a home’s BER.

The BER Assessment Process

Preliminary Evaluation

A preliminary assessment of the house is the first step in the procedure. A medical examination and an examination of the house’s construction blueprints are part of this.

Energy Modelling

The home is then given an energy model utilising specialised software. This model mimics the energy efficiency of the house while taking into account all of the many parts that make up the house.

Rating and Suggestions

The home is then given a BER based on its energy performance. The rating is accompanied by a report that suggests improving the home’s energy efficiency.

Advantages of High BER Scores

Energy Efficiency and Cost Reduction

Homes with high BER scores are more energy-efficient, which implies that heating and cooling costs are reduced in these homes. Over time, this may save you a lot of money.

Enhanced Property Value

Homes with high BER scores can also command a higher price on the property market. Potential buyers are often willing to pay a premium for energy-efficient homes, recognising the long-term savings they can offer.

Reduced Environmental Impact

Finally, homes with high BER scores have a lower environmental impact. By using less energy, these homes contribute less to greenhouse gas emissions, helping to combat climate change.

Grants and Subsidies for Enhancing Energy Efficiency

Navigating the path to a higher Building Energy Rating (BER) can be financially challenging for many homeowners. However, a variety of grants and subsidies are available in Ireland to alleviate these costs, making energy efficiency upgrades more accessible and affordable.

SEAI Grants:

The Sustainable Energy Authority of Ireland (SEAI) offers a range of grants designed to assist homeowners in making energy-efficient improvements. These grants cover a multitude of upgrades, including insulation, heating controls, solar panels, and even complete home energy upgrades. The amount awarded depends on the type and scale of the improvement, aiming to significantly reduce the financial burden on homeowners.

Better Energy Homes Scheme:

This initiative provides financial aid for specific energy efficiency upgrades, such as roof insulation, wall insulation, and the installation of high-efficiency boilers. Homeowners can apply for multiple grants under this scheme, making comprehensive home energy upgrades more financially feasible.

Warmer Homes Scheme:

Targeted at vulnerable and low-income households, this scheme offers free energy efficiency improvements to ensure that every citizen has access to a warm, energy-efficient home. It underscores the government’s commitment to eradicating energy poverty and reducing greenhouse gas emissions.

Tax Incentives:

In addition to direct grants, there are also tax incentives available for homeowners investing in energy efficiency. These incentives can reduce the overall tax liability, further enhancing the financial viability of upgrading to a more energy-efficient home.

Making Energy Efficiency Accessible

These grants and subsidies are instrumental in promoting energy efficiency across Ireland. By reducing the financial barriers to energy-efficient upgrades, more homeowners can improve their BER, leading to reduced energy costs, enhanced comfort, increased property value, and a significant reduction in greenhouse gas emissions. For detailed information on eligibility criteria, application processes, and the specific upgrades covered, homeowners are encouraged to visit the official SEAI website or consult with a certified energy advisor.

This addition will provide readers with valuable information on financial aids available to them, encouraging more homeowners to take steps towards improving their home’s energy efficiency and BER.

Key Takeaways

Understanding the Building Energy Rating (BER) is crucial for homeowners in Ireland, where the climate necessitates energy-efficient homes. Not only can a high BER result in cost savings and increased home value, but it also signifies a lower environmental impact. By focusing on the components that contribute to a home’s BER, homeowners can make informed decisions to improve their home’s energy efficiency and, ultimately, its BER.

FAQs

What is a Building Energy Rating (BER)? 

The Building Energy Rating (BER) is a mandatory energy efficiency rating for homes in Ireland. It indicates a home’s energy performance.

What factors contribute to a home’s BER? 

The efficiency of a home’s building envelope, heating and cooling systems, lighting, and appliances are only a few variables affecting BER.

How can I improve my home’s BER? 

Improving a home’s BER can involve various measures, such as upgrading insulation, installing energy-efficient appliances, and using LED lighting.

Do energy-efficient homes cost more? 

Energy-efficient homes may cost more upfront, but their lower energy demand over time can result in significant cost savings.

Why is the BER important in Ireland?

BER is particularly important in Ireland due to the country’s climate. Energy-efficient homes can help keep heating costs down during the cold winters and relatively cool summers.

Ready to protect your energy-efficient home? Secure your investment with our comprehensive home insurance. Discover our flexible coverage options tailored to your needs. Get your quote today!