I don’t know what it is really, but lately I’ve been more alert to the dangerous drivers on Irish roads. There seems to be a lot of them. Maybe it’s that I’ve been driving around with a pregnant lady for the last 8 months and now with a baby that’s making me notice all the other drivers.
I’m becoming quite sensitive to it too. To the tailgaters, to the drivers who decide to make me a part of their risky driving and to the people on the phones who aren’t paying attention. I’m sick of it now. Maybe it’s because I have something to really lose and because they would lose me if somebody got over confident and messed up. Drivers in Ireland mess up a lot and hundreds of people a year are still dying because of other peoples stupid behaviour.
So every time I get cut off by a hairs width, have somebody try and drive into the car or overtake me on a blind corner I stop and think of what I might lose by reacting to their stupidity. Nowadays I also think about what’s going on in the other car.
Yes, sometimes some people are just fools on the road, but sometimes there’s other stuff going on too. You never really know what’s happening with them. They may be drunk, stoned, have had a fight with a loved one, had a bad day at work or be upset about something. Whatever the reason it doesn’t excuse terrible driving, but it should make you think twice about letting road rage take over or putting others at risk. You see someone being an ass? Let them be, your responsibility lies in your safety and your passengers safety. If they’re that bad then phone the Gardaí and report the reg and your location and move on.
You’re not playing GTA, this is real life. Get home safe, keep yourself safe and keep your family safe. Road rage and the feelings associated with it are temporary. Breath, let it be, carry on. Feel like you’ll lose your pride by letting someone bully you on the road? Let it go or you may lose more than that.
Don’t let a 3 letter word throw you for a loop
So you’ve read the blog on how to cut down the costs of your premium, now how about getting to grips with some of the aka’s in the insurance industry?
You’re confident enough now to ring the insurance company yourself; completely sure in the fact that you will get the best deal available, but hang on, what was the last thing they said? In the Insurance Industry there’s a sea of abbreviations and acronyms out there. Enough to make your head spin. We know that insurance can be difficult to grasp sometimes, and that’s why I want to make the whole thing easier for you, the client.
The Most Commonly Used Abbreviations
Your Insurance shouldn’t make life more difficult for you by throwing abbreviations at you, but from time to time you may hear, or see, the following abbreviations in your search for the best quote. Don’t lose faith if an insurer is trying to confuse you with lots of letters, just take a minute and check it out before you either commit or walk away.
- BA – Breakdown Assist. Often an additional extra. Usually this is included with fully comprehensive polices, but if not you can get it specifically with most insurance policies.
- CCE – Company Car Experience. If you have been driving nothing but the company car for the last few years then you may have built up some valid ODE (Other Driving Experience) with your company car. This is most useful for those drivers who are now getting their own car and their own policy for the first time. This may afford you a discount with some insurance companies, but not all. Proof of CCE must be provided by your company.
- CPF – Closed Premium Finance. Some companies won’t issue a policy through Direct Debit Payments, but don’t worry, because Chill Insurance have that sorted for you. CPF will allow you to pay your premium through direct debits, even if the insurance company doesn’t, Chill can organize that for you.
- DDM – Direct Debit Mandate. This is the form you get which will allow your Direct Debit payments to commence.
- DMD – Distance Marketing Directive. Before payment is taken for any product you buy the agent on the phone will read the DMD. The DMD outlines your position regarding refunds and the cooling off period. Basically you are entitled to a refund within 14 days if you change your mind about a product or service you have just purchased online.
- DOC – Drive Other Cars. Commonly referred to as DOC around the office this allows a driver, who meets the specific requirements set in the specific policy, to drive other cars (as long as s/he has the permission of the owner so don’t go taking any old car).
- DP – Data Protection. This refers to the storage and use of your personal data.
- Fully Comprehensive. This is the highest level of cover a person can obtain on a private motor insurance policy. If you have a car worth a few quid then get fully comp. It will cost extra, but it’s worth, and you get more items as standard.
- MTC – Mid Term Cancellation. If you decide to cancel your policy, for whatever reason, during the lifetime of the policy, this is referred to as Mid-term Cancellation. This usually incurs administration and cancellation fees.
- NCB – No Claims Bonus. This refers to the number of years you have been driving without having to make a claim. You will most often see this in correspondence with an insurance company or broker. Please note that some companies have different definitions of a full NCB. What companies in Ireland need to hear is how many years NCB you have, not points on scale, but years. If you have 4 years, say 4 years etcetera.
- NCD – No Claims Discount. This is roughly the same as the NCB. Some companies will use the term No Claims Discount and some will use NCB.
- RTA – Road Traffic Act. The Road Traffic Act (1961) is the act which made Motor Insurance compulsory in the Republic of Ireland. The minimum insurance a person who intends to operate a motor vehicle on public roads needs is Third Party Cover.
- SOF – Site of License. A copy of your (and any named drivers) licence, simple as.
- SOF – Statement of Fact. Who you are, where you live, what you drive, any modifications to the car? These are some of things which may be considered statements of fact.
- TP – Third Party. This is the minimum cover which must be obtained by a qualified person wishing to drive on public roads. It is there to cover any damage which a driver may cause to others through their own fault. Often this is used by first time drivers, however, this will not cover any damage which a driver may accidentally inflict upon their own vehicle.
- TPFT – Third Party Fire and Theft. This covers third party’s involved in any Road Traffic Incidents (RTI’s) which you may cause. This also covers the theft of your vehicle or damage caused by malicious fires. This policy suits drivers who are gaining experience on their own policy and is often the step up from TP and just before the person is able to get Fully Comprehensive insurance.
Unfortunately this isn’t the full list used in the Insurance Industry, but this is the list that will matter to you, the person looking to get the best deal and the best saving. Remember, when getting your insurance, don’t be afraid to ask questions on anything you don’t understand. The last thing you should have to do is to start your search all over again. Get the best deal and get it the first time.