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Top 6 Best Driving Songs

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Driving whilst under the influence of emotions can be an arduous task. The painstaking planning of a journey can help you in the long run, ensuring the stability of your emotional well being and that of those around you.

Stuck in traffic after a long day at work

There is nothing worse than getting into your car after a long day at work, and realising you are in for a tedious drive home! Finding the right song to help you unwind is imperative to your mood. If the day has been long and you need to relieve that stress, try the relaxing sounds of Kenny G to sooth the mind. May I suggest ‘forever in Love?’

http://www.youtube.com/watch?v=OOO4ROO_sPM

 

Calm your nerves

Nerves can often get the better of us. If you’re on your way to a job interview or to ask for that raise, be sure to get yourself into the right frame of mind for the task ahead. Survivor’s ‘eye of the tiger’ is perfect to supply that much needed positivity and faith in yourself; essential before a difficult task.

http://www.youtube.com/watch?v=OOO4ROO_sPM

Keep family occupied

The kids are screaming in the back seat and you’re close to pulling your hair out! Yes, it is family holiday time! If your scalp is still intact, ensure your music for the journey will be pleasing to their ears by including the catchy dance tune ‘Gangnam Style’ by PSY. Adored by children worldwide, this global hit will surely keep them occupied. At least for 4 minutes anyhow!

http://www.youtube.com/watch?v=9bZkp7q19f0

Break up song

There comes a time in everybody’s life where we’ve been dumped. What is it about being dumped that we feel the need to listen to songs of heartbreak, to make us feel more of an emotional wreck than we already are?! I call it purging the soul. If you are unfortunate enough to be in this situation, can I recommend the smooth tone of Kelly Clarkson’s ‘Because of You’ to drown your sorrows?

http://www.youtube.com/watch?v=Ra-Om7UMSJc

Preparing to propose

You’ve bought the ring and you’ve planned the night for months; now it’s time to get in the right mood. Yes, you’re in the mood for love! Planning a proposal is a work of art. If done right, it will create the right memory for your special someone forever. Get in touch with your romantic side and set the tone on your journey with the beautiful ‘Wonderful Tonight’ by Eric Clapton. The lyrics will not be forgotten by your future wife!

http://www.youtube.com/watch?v=qwprrAEL9-E

Long journey song

A long journey with your partner can be a difficult time, cooped up together with only a playlist and conversation to keep you company. Ensure a smoother journey (and perhaps relieve some tension!) by picking some classic music to get you singing along to! Can I suggest ‘Highway to Hell’ by ACDC? It’s an oldie, but a goodie!

http://www.youtube.com/watch?v=ZFMdXkVcBvQ

 

If you spend a lot of time in your car, you will probably want to have a music collection to match your every mood. Whilst it is true, journeys can be long and tedious, with the right music to suit your needs; you can make the journey an easier task to undertake. Your car may see a range of your emotions over the years, but, with some careful planning, it could also be the place where your emotional needs are met, becoming a safe haven for you and your family.

This Post has been provided by FBD Car Insurance.  To view the benefits of an FDB policy visit www.fbd.ie

March 6th, 2013

Celebrity Car Crashes – Near Escapes

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As infallible as celebrities may seem to us mere mortals, many of them have experienced car crashes that have been near escapes. While some have occurred as a result of negligent driving on the behalf of the celebrity, others have happened due to sheer idiocy. Regardless of the cause, each event has stood as a mishap that has shook fans worldwide.

Barely a month goes by when the unpredictable Charlie Sheen hits the headlines, and in the year of 2010 he shocked fans worldwide when he crashed two of his cars in the cliffs of Hollywood Hills. In both February and July, Sheen plunged two cars off the Hollywood Hills cliffs. Despite each crash being horrific in terms of damage, Sheen managed to escape with his life. This was much to the surprise of the Los Angeles police force, who found his Mercedes at the bottom of Sherman Oaks cliff.

Closely following Charlie Sheen’s epic performance on the road is the rap star once known as ‘Lil Bow Wow’. While on a blazing night out with fellow rap star Chris Brown, Bow Wow decided he would like to tweet to their fans that he was drunk and ready to let Chris take the wheel. Moments later the star was involved in a near crash, which is apparently what spurred him to allow Chris to drive.

While the alcohol-fuelled exploits of Lil Bow Wow and Chris Brown are shocking enough, George Michael managed to pull his own drug-driven stunt in London. After smoking copious amounts of marijuana, the British singer managed to crash his car into a Snappy Snaps store in the capital. Despite his car being a total write-off, George managed to escape the disaster with only a few minor injuries.

Finally, one of Britain’s most unlucky celebrity car crashes is that of Cristiano Ronaldo. As the Manchester United footballer drove through his team’s city towards the airport, he wrote off a £200,000 car he had only just purchased. Thankfully the star was not hurt, and was able to continue with his footballing career afterwards.

No matter what the cause, all of the above celebrity car crashes serve as a stark reminder to all of us and highlight the importance of taking caution on the road is a necessity.

About this article: It has been provided by GetCover.ie, an Irish based insurance company who offer online car insurance quotes. Visit www.getcover.ie for more information.

Published under Car Insurancesend this post
July 10th, 2012

Online second-hand car buying tool kit launched to help prospective buyers

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People who are unsure about the pros and cons of buying second-hand cars are being offered help thanks to an online tool kit that has been launched by The National Consumer Agency.  This is in response to the Agency receiving almost 2,000 queries about second-hand motors since the start of 2011.

Users of the guide will have access to aspects of financial information for buying a car, which include a personal loan calculator to assist customers to work out how much a vehicle loan will cost as well as an insurance quotes ‘shopping around’ checklist.

The online tool kit also incorporates a guide to purchasing a used vehicle, what steps to take if something goes wrong with the motor and information on the rights of the person buying the car and the responsibilities of both buyers and sellers.

Director of Commercial Practices with the National Consumer Agency, John Shine said, “The same consumer rights do not apply when you are buying from a private seller, so it is a case of buyer beware. A simple precaution such as ensuring the seller is the legal owner of the car, checking the cars documentation history and asking if the car was ever crashed or imported means you can satisfy yourself before you strike a deal.”

It can be a difficult task making sure that when you are buying a second-hand car everything is above board, so checking the National Consumer Agency’s motor buying tool kit can answer some of your queries.

Published under Car Insurancesend this post
October 21st, 2011

Is this the end of road for the uninsured vehicle

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Ireland seems set to follow the example of the UK, which last week introduced legislation to make an offence to own an uninsured vehicle

THE DEPARTMENT of Transport is examining the possibility of introducing a requirement for continuous insurance for all vehicles, regardless of whether they are off the road.

Last week Britain introduced a law making it an offence to own an uninsured vehicle – even if kept in a garage or permanently parked up. Until now it had only been an offence to drive an uninsured vehicle.

Under Irish law, motorists are permitted to temporarily register a vehicle as being off the road and therefore not requiring insurance.

A spokesman for Minister for Transport Leo Varadkar says the department was looking at introducing a similar change.

If introduced, it would be the latest in a series of changes to the enforcement of uninsured driving, the centrepiece of which is a new automatic number plate reading system operated by An Garda.

The Road Traffic Act 2010 put the use of the system on a legislative footing and since June 1st its use has been extended to all vehicles, including fleet vehicles and those in the motor trade.

This system uses cameras installed in marked and unmarked Garda cars to read number plates of passing cars to identify those which are uninsured.

Niall Doyle, corporate affairs manager of the Irish Insurance Federation, says a file based on data from all 26 insurers in the Irish market was supplied daily to An Garda for use in the detection of uninsured vehicles.

Noel Brett, chief executive of the Road Safety Authority, says the State should introduce a legal obligation for continuous motor insurance and tax.

John Casey, chief executive of the Motor Insurers Bureau of Ireland, says continuous insurance was of “extreme interest” to his agency but he questioned whether the information held on driver databases was accurate enough for the system to be introduced immediately.

“The geneses of continuous insured enforcement in the UK is that the two databases; the DVLA, which is the state database and the motor insurers’ database. Both of these are extremely accurate and hold current information.

“We’d be very interested to go down the same route. Nonetheless, we are not quite at the stage where our databases would be at the level of accuracy where we could guarantee to the motoring public that the exact coterie of uninsured vehicles would be identified.

“Certainly the jury is out in terms of the level of accuracy that would be required for continuous insurance. At the moment we are looking closely at what has happened in Britain,” he adds.

Casey says approximately 100,000 vehicles in the State are uninsured, or 5 per cent of the total.

This excludes vehicles where the owner has notified the insurer that the vehicle is off the road.

Last year, the bureau paid out €59 million to 3,484 victims of a collision with an uninsured driver.

The bureau has a recovery policy where it seeks to recover the cost of the claim from an uninsured driver.

Last year it recovered €9.4 million, a total covering claims from a number of years.

June 29th, 2011

Car Insurance – Paying for the boy racers

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INSURANCE: Court of Justice, outlawing the use of gender as a determining factor in the price of insurance, will have major and costly repercussions
 

THE INSURANCE industry is, typically, fairly sedate and doesn’t make much of a fuss as it goes about its business of making money. It was thrown into a complete tizzy last week however after a ruling from the European Court of Justice (ECJ) effectively forced it to tear up its pricing rule book and start from scratch.

Last Tuesday, Europe’s highest court issued a ruling outlawing companies from using a person’s gender to determine prices. As a result, women are likely to see life assurance and motor insurance policies climb significantly while pension payments will almost certainly increase for men. The only likely winners – at least in the short-term – will be the insurance companies.

The court ruling has been a long time coming. Proposals for gender equality in the insurance industry have been on the table for the best part of a decade. A directive on equality in the supply of goods and services came into force in 2004 and at a stroke, outlawed all discrimination based on gender.

An exception was made for insurance companies and they were allowed to opt out of the prohibition under certain conditions. This derogation was not good enough for the Belgian consumer body Test-Achats, and it, along with two private consumers, brought a case to the country’s constitutional court challenging the opt-out. Almost overnight, the dominoes started falling.

Last October, the ECJ advocate general Juliane Kokott published a ruling arguing that it was “legally inappropriate” to link insurance risks to a person’s gender. “The use of actuarial factors based on sex is incompatible with the principle of equal treatment for men and women,” she said. Last week, the full court backed her decision, describing the derogation “from the general rule of unisex premiums and benefits” as invalid, with effect from December 21st 2012.

Within minutes of the ruling being made, it was drawing condemnation from the industry, which said differential pricing for men and women was legitimate given their different risk profiles. “Europe-wide the effect on the price and benefits and on the choice of insurance products for consumers could be significant,” according to the CEA, Europe’s insurance industry lobby.

Mike Kemp, the chief executive of the Irish Insurance Federation (IIF) agrees and says he was “disappointed” by the ruling. He says female drivers benefitted from discounted rates for motor insurance because of their better claims record, and pay lower rates for life assurance because of greater life expectancy than men.

For the same reason men get better rates for pension annuities. “Insurers have always priced risk objectively, based on statistical evidence, and there is no reason why this process should be interfered with,” he says.

“This ruling is likely to be unfair for some people. It means that low-risk customers could pay more for their insurance needs, even if they present a lower insurance risk to the insurer,” Fiona Deering, a director of online insurance brokers insuresave.ie, says. “I would expect that prices for women will increase more than the prices for men will drop on the back of this ruling,” she continues.

Ciaran Phelan, the head of the Irish Brokers Association, was singing from the same hymn sheet as was the chief executive of the Professional Insurance Brokers Association (PIBA) Diarmuid Kelly. He says the ruling would, in all likelihood, lead to increases in premiums for female drivers. “In the case of car insurance it is likely to mean young male premiums will fall while young female premiums will rise.”

But by how much? Take the example of a male and female driver from Wexford, both aged 24 and both of whom drive a 2008 Ford Focus. The difference in their premiums for a fully comprehensive policy can be as much as €400 more for the male driver, Kelly says.

Men under 30 can pay nearly 100 per cent more for motor insurance than their female counterparts, with all other things being equal. Older men also pay more based on gender. A 35-year old man who lives in the same area and drives the same car as a woman of the same age pays approximately 30 per cent more for a motor insurance policy.

The reasons are clear. Statistics show that men in certain age groups are more likely to have an accident than women and so pay more for their insurance.

Men also pay more for life insurance because they are more likely to die earlier. Women pay more when it comes to pension funds, again because of a longer life expectancy. They also get a reduced annual pension for the same pot of money despite the fact that that pension pot has been accumulated from smaller average earnings.

The ruling will not have to be implemented until the end of next year, so companies and risk assessors will have plenty of time to change the template for risk assessment by ignoring traditional statistical gender-based evidence.

It could pave the way for a potentially more damaging legal challenge to insurers’ reliance on their customers’ age in setting prices and payouts.

This would lead to a ridiculous situation whereby a 17-year-old and a 50-year-old would have to be charged the same for car insurance despite the wildly different risk profiles.

“Of greater concern to the industry is the likelihood there will be further European challenges, particularly around age,” according to Mark Winlow, head of general insurance at KPMG. “This is a more significant factor than gender, as age is used much more widely to differentiate risks.”

Gary McCarthy is the MD of itsforwomen.ie, an online insurance brokers which offers discount insurance to women. It has 50,000 customers, north and south of the Border. “This ruling is going to unfairly penalise women. Insurance has always been based on risk and not on equality and in that sense it has always been discriminatory. It can discriminate against people who smoke or drink for example.”

He describes it as a slippery slope and says age might be next. This would mean companies would have to charge a 19-year-old driver the same as a 50-year-old despite the completely different risk profiles. He says if this happens, some insurers will exit the market.

His company is looking at a pay-as-you-go system which would see a black box installed in a car and the premium would rise or fall depending on the driving patterns a person has. They might pay a higher premium if, for example, they use the car between the hours of 10pm and 4am on a Friday night. People would also be hit with extra charges if they exceeded the speed limit by 10 per cent.

It would see the data downloaded from the black box on a daily basis and input into a central system. If a person was found to have exceeded the speed limit by more than 30 per cent on three occasions their policy would be cancelled. The cost of this technology is falling fast, McCarthy says.

“It is available and not too expensive. There are plenty of other ways to skin a cat,” McCarthy says. “While of course we will comply with the law, there are other things we can do. We might target hairdressers, cabin crew and nurses – professions which are predominantly female – and offer them discounts.”

He says it might actually be quite good for his business because the law does not prohibit marketing directly to women. With the vast majority of his customers being women, he says, he will be able to offer lower rates than a company which has a gender balance. “We will take on men but if they want a pink insurance cert and all those other bits and pieces, that is up to them.”

Women are likely to see life assurance and motor insurance policies climb significantly while pension payments will almost certainly increase for men

Published under Car Insurancesend this post
March 10th, 2011

FBD warns of increased premiums for car insurance

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Insurance group FBD has said increases in premiums are needed this year, particularly to help the industry to cope with claims from flooding and freezing this winter.

In a trading update released to coincide with its Annual General Meeting in Dublin, FBD said claims linked to the severe cold weather in January had cost it €12m. This is in line with a previous estimate.

The company said home and business insurance premiums had risen in the first three months of this year, but motor insurance rates had been slower to increase.

FBD said the value of insurance premiums written in the first quarter rose for the first time in three years, mainly due to higher prices.

Despite the weather-related claims, the insurance company said overall there were fewer large claims in early 2010 than in the same period last year.

April 30th, 2010

900 jobs to go at Quinn Direct Insurance

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900 jobs are to go at Quinn Insurance offices, with the jobs to go on a voluntary basis.

Read statements from Quinn Insurance and the employees.

It is expected the cuts will happen over a 12-15 month period.

The biggest job losses will be in the largest office, Blanchardstown, which currently has a staff of around 800.

Around 301 jobs will go there – 65 in the first phase, which will take place over the next two to three months.

The head office in Cavan will lose around 226 jobs out of 700, with 121 going in the first phase.

In Enniskillen 179 jobs will go with 87 going in the first phase.

Navan will be particularly badly hit, with around half the workforce going, 109 out of 220. 37 will go in the first phase.

In Manchester, 48 out of the 100 jobs will go.

The redundancies will be voluntary and staff must come forward by 19 May and will result in a saving of thirty million euro per year for Quinn Insurance.

The administrators said projected redundancies could be reduced if more customers are won.

‘This is a difficult announcement to make and a considerably more difficult announcement for the workers of Quinn Insurance to hear. The scale of what we face is considerable,’ joint administrators Paul McCann and Michael McAteer of Grant Thornton said.

‘Unfortunately, this process is necessary in order to sustain and grow a viable insurance business.’

They said that they will continue to talk with the Financial Regulator in order to allow profitable business lines in Britain to be reopened. But certain loss-making lines of business will cease, they added.

Minister for Enterprise Trade and Innovation Batt O’Keeffe said he intends to meet with the administrators of the Quinn group later this evening to hear their view of the Quinn Insurance company.

He said the Government want to see what their plan is for the future of the company and to evaluate those plans.

Asked why he did not meet the administrators before today’s announcement he said that would not have been appropriate.

Minister O’Keefe described the job cuts announcement as devastating for the workers and their families. He said the Government would do everything in their power to try to get replacement jobs.

He said he is putting an inter-agency group in place comprising of Enterprise Ireland, FÁS and others to support workers who will lose their jobs.

The redundancy terms to be offered to staff will include four weeks pay per year of service on top of the usual statutory entitlements.

‘The restructuring process has taken into consideration a business plan which, we are confident, is realistic in the context of what it known and expected about conditions in our markets,’ the administrators said.

The administrators said they have received more than 40 expressions of interest from outside parties in buying Quinn Insurance.

They say the contacts were made without being asked for and no discussions on them had yet begun.

The administrators say Quinn Insurance should be sold as a going concern as its value in its business model, its people and its claim management system.

Certain lines of business which is no longer profitable will not be re-opened by the administrators

Earlier, the Quinn Group said it had ‘reluctantly’ decided that it should sell its Quinn Insurance business.

Quinn Group said that, in view of the funds needed to meet the requirements laid down by the Financial Regulator, the future of Quinn Insurance was probably best protected under new ownership.

‘Accordingly we will be working closely with the joint administrators to see if this objective can be achieved in as short a time as possible with the hope that this will protect the maximum number of jobs,’ the statement said.

April 30th, 2010
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