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Electoral (Amendment) (Political Funding) Bill 2011 [Seanad]: Report and Final Stages (19 Jul 2012)

Ciarán Lynch: I also commend and congratulate the Minister for the Environment, Community and Local Government, Deputy Hogan, on this extensive legislation. Most of the focus has been on the particular section dealing with gender parity. I imagine this legislation will pass without challenge when it is put to the vote. It reminds me of the evening when the civil partnership legislation was passed in the...

Written Answers — Department of Health: Health Services Provision (19 Sep 2012)

Ciarán Lynch: To ask the Minister for Health when a person (details supplied) in County Cork will be provided with necessary assessments; and if he will make a statement on the matter. [39561/12]

Written Answers — Department of Health: Health Services Provision (19 Sep 2012)

Ciarán Lynch: To ask the Minister for Health when a person (details supplied) in County Cork will be provided with necessary assessments; and if he will make a statement on the matter. [39561/12]

Written Answers — Department of Social Protection: Social Welfare Appeals Status (20 Sep 2012)

Ciarán Lynch: To ask the Minister for Social Protection when a determination will be made on an appeal in respect of a person (details supplied) in County Cork; and if she will make a statement on the matter. [39928/12]

Written Answers — Department of Environment, Community and Local Government: Tenant Purchase Scheme Applications (20 Sep 2012)

Ciarán Lynch: To ask the Minister for Environment, Community and Local Government the status of the provision to allow the sale of local authority flats as provided for in the Housing (Miscellaneous Provisions) Act 2009; and if he will make a statement on the matter. [39675/12]

Written Answers — Department of Health: Health Services Provision (20 Sep 2012)

Ciarán Lynch: To ask the Minister for Health if an urgent hearing test can be arranged for a person (details supplied) in County Cork who was supplied with an unsuitable hearing aid; and if he will make a statement on the matter. [39906/12]

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: The joint committee will discuss the difficulties in obtaining home insurance for properties in areas that have experienced extreme weather events. I welcome from the Irish Insurance Federation Mr. Michael Kemp, chief executive, and Mr. Michael Horan, non-life insurance manager. I thank the witnesses for their attendance and for the federation's prompt response to our invitation earlier...

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: I would rather have it read into the record. Will Mr. Horan make his opening statement?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: If members focus on questions rather than making 20-minute contributions, I can call them over and over again.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: These are residential households.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: This needs to be summarised and nailed down. The witnesses are saying 98% of people are getting flood insurance. The EU report indicated that Ireland is one of the safest countries for the insurance business and that we present a far lower risk than any other country in Europe. Therefore, the insurance industry here should be performing at a high level. However, if the model it pursues is...

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: The witnesses represent the federation that should be setting the guidelines. What do they say to those companies?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: Why join the federation if it is not applying some code of conduct? Is Mr. Horan saying that the Irish Insurance Federation does not give guidelines or a code of practice to its members with regard to what should be good practice for their customers?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: Does the federation give guidelines to its members or do its members have a code of good practice drafted by the federation? Is there a code of practice in the insurance industry?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: The consumer protection code is prepared by the National Consumer Agency. Does the Irish Insurance Federation have a code of good practice for its members?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: I am asking about a code of good practice. It is possible to have codes of practice indicating how to minimise costs, pay out on premiums and so forth. Does the Irish Insurance Federation have a code of good practice for its members?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: They go to the regulator.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: It goes to the regulator.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: I can chase Mr. Kemp around the room all afternoon and we will be here until we get an answer to this. If I live in an area that has been geo-coded as being at risk of flooding or subsidence and I can prove through engineering that those risks do not present on my specific property, either business or domestic, how can I get out of that geocoding?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: No, I am not making any assumption; this is a fact. Half of Cork city has been geo-coded as being a flood risk as has half of Dublin and other areas. The geocoding is at the centre of this problem. I want Mr. Kemp to explain to the committee how I get out of geocoding. While the insurance industry minimising its risks is a legitimate business practice, if it is cherry-picking that is an...

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