Dr. Declan Jackson:

The question of returning immigrants was raised. Our sector has been keenly aware of the issue for some time. I know the issue is difficult for people who many have had time abroad. They may come back only to find that the previous no-claims bonus did not apply. In essence, from an underwriting perspective, this means in some cases they were treated as new drivers, which was quite difficult.

A number of actions arose in the cost of insurance working group relating to left-hand drive and right-hand drive and various other things. When we got to the core of the matter around this time last year, however, the essence was around proof of driving experience. It was about being able to demonstrate that a driver had driving experience in his own name for the period abroad. This means if someone is not driving for a period of over two years, then the risk profile changes from an underwriting point of view. It is different if it can be demonstrated and verified.

We put in place a protocol with the Department of Finance. It allows for people to be aware of the facts before they go away. They can use some of the diaspora contact points while they are away and prior to returning. This can allow them to get the information to show what they need to bring to the country of temporary origin and what is needed when they come back. That seems to be working although it is not working flawlessly. We are still encountering some cases. There is awareness and a methodology to start addressing it. For us, success arises when people talk to their insurance company before they go so they have an awareness of what they have to do. That is starting and it is working. It needs improvement in certain areas but demonstration of verifiable information is important. If anyone wants more detail, we are happy to provide it.

Drivers need to show continued driving experience. It is difficult where there have been breaks in the driving experience of a person. The driver will be treated in a similar way to someone who might be at home who has a break and cannot demonstrate insurance cover. This arises because the person is not driving day in, day out. By and large, I believe we have a methodology that, while not perfect, is becoming more effective.