Data protection [Insurers will share details to Gardai]

maestroamado

I just this morning heard guys on the radio.
Basically they were saying that the Gardai will be given the car insurance details by the insurance companies.
While i personally would not have issue it seems a bit extreme to me.

What do you experts think?

Dravokivich

Not knowing what you are on about. I'd expect that will relate to the level of cover, the period for the cover, who it's for and any named drivers. I don't think that's too much of an ask.

Atlantic Dawn

I'm sick of paying an extra €50-€70 every year to sub some out and out scummers driving around with no insurance to cover their claims, I fully welcome this. Hopefully the Gardaí stick a few ANPR boxes on the motorways and seize every car that passes them uninsured.

I think additionally insurance companies should have access to all drivers licencing details and not provide cover to any person banned from driving. Also could be included no new policies taken out for cars with no current NCT.

bazz26

Good, can only help to put more drivers off the road who think car insurance is optional.

maestroamado

Personally i think its extreme though i be totally legal as i am not at an age to be running around without all the stuff.
I suppose the good thing about it we will save money by having less Gardai as they will not be deployed doing checkpoints.

IrishZeus

maestroamado wrote: »

Personally i think its extreme though i be totally legal as i am not at an age to be running around without all the stuff.
I suppose the good thing about it we will save money by having less Gardai as they will not be deployed doing checkpoints.

What age do you have to be to not require all the stuff?

Cheensbo

IrishZeus wrote: »

What age do you have to be to not require all the stuff?

I didn't require it from the ages of 19-23, but sense got the better of me after that :pac:






*jokes... before anyone rings the polis.

maestroamado

i think under 13 and over 57 are exempt, also any who has gmail account.

LeChienMefiant

This is the direction we are going...
https://www.insurancefraudbureau.org/
Then maybe here...
https://www.cityoflondon.police.uk/advice-and-support/fraud-and-economic-crime/nfib/Pages/default.aspx

CiniO

I don't really get OP's post...

Does that mean that gardai didn't have access to insurance details?
How on earth were they able to verify cover or provide details of insurance for hit&runs etc?

Miike

Atlantic Dawn wrote: »

I'm sick of paying an extra €50-€70 every year to sub some out and out scummers driving around with no insurance to cover their claims, I fully welcome this. Hopefully the Gardaí stick a few ANPR boxes on the motorways and seize every car that passes them uninsured.

I think additionally insurance companies should have access to all drivers licencing details and not provide cover to any person banned from driving. Also could be included no new policies taken out for cars with no current NCT.

I have insurance to drive any motor vehicle so long as I don't own it and it has a valid NCT. I know some insurance companies require that the car you dont own has to be insured also but my policy doesn't, the only criteria is not owning it and having a valid NCT. I think if they introduced this ANPR system you mentioned, I'd be up in court every other week

pa990

CiniO wrote: »

I don't really get OP's post...

Does that mean that gardai didn't have access to insurance details?
How on earth were they able to verify cover or provide details of insurance for hit&runs etc?

Correct. They don't have access to insuance details.
Other than what info you provide when renewing your motor tax, but that info can be made up, or it could be wrong because of a typo, or it could be out of date, ie you renew your motor tax for 12 months. You provide correct insurance details, but that policy expires in 2months time.. for the last 10 months of motor tax, there is no valid insuance details.

Insurance comps, also won't give out info over the phone, a written request has to be made... that all takes time.


How they are able to verify details in the case of a traffic accident.... well, they have to talk to the driver and demand that they produce their documents within 10 days.

maestroamado

CiniO wrote: »

I don't really get OP's post...

Does that mean that gardai didn't have access to insurance details?
How on earth were they able to verify cover or provide details of insurance for hit&runs etc?

My post out of pure curiosity as i thought passing of info against data not allowed.
Once the reg has committed a crime (hit&run etc) the rules completely change and its open season on the owner of the reg.
Its just my personal opinion though i have since posting think this happens in UK and TBH kinda surprised me.

me wrong again... whats new...

Seth Brundle

LIGHTNING wrote: »

All it has to be is a simple flag i.e does this person have insurance A) Yes No. They don't have to be given all your details.

ANPR will tell them if the car is insured, not if the driver is insured.
For the vast majority of drivers this will be fine but it won't identify someone without insurance who borrowed their mates car for example.

CiniO

kbannon wrote: »

ANPR will tell them if the car is insured, not if the driver is insured.
For the vast majority of drivers this will be fine but it won't identify someone without insurance who borrowed their mates car for example.

So it's still useless.
ANPR will be able to check if there's a policy on a car, but it still doesn't guarantee anything.

Firstly as you're saying car can be driven by someone not listed on policy.
And secondly car might actually not have policy and flag on ANPR, but driver might be insured under driving other cars...


First, they should tidy up insurance system here, and then they can start playing with ANPR.
Get rid of "named drivers" thing, and make all policies open as vast majority of the world does.

Atlantic Dawn

Miike wrote: »

I have insurance to drive any motor vehicle so long as I don't own it and it has a valid NCT. I know some insurance companies require that the car you dont own has to be insured also but my policy doesn't, the only criteria is not owning it and having a valid NCT. I think if they introduced this ANPR system you mentioned, I'd be up in court every other week

You would/should have your insurance cert in the non owned car with you so yes you will be flagged but then you simply show the cert and are on your way.

maestroamado

ANPR system... what is this?

Seth Brundle

CiniO wrote: »

So it's still useless.
ANPR will be able to check if there's a policy on a car, but it still doesn't guarantee anything.

Your words, not mine.
It's a far sight better than what's been there to date.

maestroamado wrote: »

ANPR system... what is this?

Automatic Number Plate Recognition

Seth Brundle

Oh and in terms of the OP, there's no data protection issue here!

maestroamado

kbannon wrote: »

Oh and in terms of the OP, there's no data protection issue here!

Thanks for clarity..

Robbo

kbannon wrote: »

Oh and in terms of the OP, there's no data protection issue here!

There is. It'll require enabling legislation otherwise there's no valid consent to this kind of bulk data transfer. The legislation will need to be mindful of the Bara judgment amongst others. I have little faith this will happen given the data sharing fiascos involved in the Health Identifier or Primary Online database.

I'm all in favour of this, by the way, as it's one less thing for insurers to misrepresent as driving the cost of premiums.

LeChienMefiant

Aviva have the following....

Disclosure
We may share the information both inside and outside the European Economic Area, in confidence, for the above purposes, with agents or service providers we have appointed, private investigators, regulatory organisations, other insurance and financial services companies (directly or via a central register), other Aviva Group companies, those to whom we outsource certain business operations and as required by law.

http://www.aviva.ie/car-insurance/regulatory-legal/data-protection-statement/

Henry Ford III

CiniO wrote: »

So it's still useless.
ANPR will be able to check if there's a policy on a car, but it still doesn't guarantee anything.

Firstly as you're saying car can be driven by someone not listed on policy.
And secondly car might actually not have policy and flag on ANPR, but driver might be insured under driving other cars...


First, they should tidy up insurance system here, and then they can start playing with ANPR.
Get rid of "named drivers" thing, and make all policies open as vast majority of the world does.

It's not useless.

It'll identify uninsured cars immediately. No bad thing. I only hope the Gardai act each and every time to a ANPR alert and impound the cars involved.

CiniO

Henry Ford III wrote: »

It's not useless.

It'll identify uninsured cars immediately. No bad thing.

But it won't identify insured cars driven by uninsured drivers.

I only hope the Gardai act each and every time to a ANPR alert and impound the cars involved.

But when they detect uninsured car, they still might need to verify if driver claims he/she is insured by own policy driving other cars.
And this might not be that quick.

Harry Palmr

Wonder if they'll roll this out to catch suspected criminals, OTR's, terrorists, social welfare fraudsters etc?

Fred Swanson

This post has been deleted.

Harry Palmr

Switzerland have had that in place for years - someone cut you up? Take down their number, look up their address online and go round to their place with a gun!