Results 3,061-3,080 of 16,492 for speaker:Ciarán Lynch
- 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 not making an assumption.
- 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 will read it to you.
- 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 will read it to you.
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: Excuse me, I will read it to you. I want to deal with geocoding and then I will open up the discussion. If I go onto the website of any insurance company I will see eligibility conditions laid out. These conditions all indicate that every company uses geocoding. So that we can move on and broaden the discussion and allow other members to speak, I ask the witnesses to tell me how a person...
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: Perhaps as an outcome of today's deliberations, the Irish Insurance Federation should make recommendations to its members on how its customers can deal with 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: You do. The European report, in which the Irish Insurance Federation took part and which was published last week, examines Europe in geocoding terms, whether for earthquakes, floods or subsidence. The Irish Insurance Federation is a part of this report and geocoding is a methodology used in it. I will put the question to the witnesses. Does the Irish Insurance Federation need to examine...
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: We certainly are not.
- 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 will conclude on this point because the witnesses have not answered it. Whatever its members are telling the Irish Insurance Federation I can tell the witnesses their customers are telling us they are stuck with geocoding and cannot get out of it. I strongly urge the witnesses to take on board this issue. Businesses will close down because of geocoding and houses cannot be sold because...
- 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 must call Deputy Corcoran Kennedy.
- 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 will call Deputy Humphreys 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: It is impossible to get household insurance if one has been declared bankrupt, as per the eligibility criteria for Allianz, which I believe is shared by most other insurance companies. The Government hopes to have its insolvency legislation enacted in the next couple of months. This positive development, which will allow people escape from burdening debt, may also result in their not being...
- 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 is not new. I checked this with some brokers this morning. This has been a standard practice within the insurance industry for a number of years. A declaration of bankruptcy is placed in the same category as conviction or charge in respect of arson or any criminal offence, other than a motoring offence. Bankruptcy is not a crime. It may be the result of bad business practice, for...
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: Perhaps Mr. Kemp would revert back to the committee with an explanation in that regard.
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: Perhaps also Mr. Kemp would ask the federation's members to review that practice, in particular given the economic circumstances of the country and in light of enactment of the insolvency legislation in the coming months. I would like now to revert to the substantive issue of geocoding. Yesterday a businessman in Douglas was informed that owing to recent flooding in the area, he would not...
- 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 is related to geocoding, which is subject to constant assessment and is not specific. I can get car insurance in the morning and property insurance may be for property worth four, five, six or ten times the value of a car. I would be asked more questions about my car. Car insurance is mandatory but house insurance is not. Nevertheless, in applying for car insurance I would be asked...
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: Hundreds of millions of euro were spent on flood protection.
- 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 will comment on that and I do not even need a response. One of the issues which prompted me to invite the witnesses before the committee was a person ringing my office two or three weeks ago. The person was looking to change insurance company, which is becoming more difficult with property insurance, as if one is without insurance, it is almost impossible to get back into it with some...
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: Excuse me, I must put your proposal of writing to the OPW to the committee. Is that agreed? Agreed.
- Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)
Ciarán Lynch: Can we bring the meeting to a conclusion?
- 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 ask Senator Keane to put a question.