Mr. Paul Kavanagh:

Mr. Buckley is correct. There is only one compulsory insurance in Ireland, namely third-party motor insurance, which is required under the Road Traffic Act 1964. There is no other compulsory insurance. As I pointed out earlier, one can get a quote for a house on any website - some of them will blank it out if the proper postal code is put into the machine - but one will find that if one's premises is within 250 m or 500 m of a water source, which could be a stream, all flood cover is unfortunately excluded. The only principle to which I can refer in insurance is that the premiums of many are supposed to pay the claims of a few.