Walking on your land

You may think I might say that but I wouldn't. I have met people that had their houses destroyed by floods and fires and have had everything replaced by house insurance. If they had no insurance they'd have a life-altering financial loss.

That's fine, but you might work in insurance or some other job that would bring you into contact with this tiny group of people, for all I know. Neither of my paents ever new anyone who suffered a house loss, no one I have known over the course of my life has suffered a house loss. I couldn't find the stats for ireland, but for the UK, house fires would appear to effect 0.6% of dwellings in a given year.

That's a punt I'm willing to take. Flooding isn't a prospect.

I'm not suggesting you or anyone else not have home insurance. I personally decided it's not worth the cost and that the risks are minuscule.

Each to their own, as they say.

I have and quite a few of them your not going to get much by the way of investment for 350/400 EURO per year

Be handy to fence a gap if sheep were escaping but other than that ?

I have something on my land ,actually adjoining one farmyard ,that is an attraction .Its private property (have the deeds ,OPW or whatever they were called at the time ,signed it over to us in the 1940's )but have no issue with people calling in to look at it etc .Often see some looking from the road and would always ask if they would like to go and see it .Have met some very interesting people over the years .

No bother with people shooting pheasant ,foxes etc as long as they ask first .

On the other hand have had the Gardai out here a couple of times after the half hound brigade .

Think its really down to each individual case ,like most things in life .No hard and fast rules although did ask a local farmer if he thought it was ok to shoot on my land without asking me while he had "no shooting land preserved " signs on his own gates .Think he got the message as he hasn't been around since.

Have a couple of lads who metal detect as well during the Summer .

All fine and well being a stickler but have a few times gotten a call about a ewe on her back (one lad kept one upright till she came round ) a lamb stuck in a ditch or drain or a heifer after breaking out .

Maybe that's cause I am ,in the words of a local man "a hell of a nice fella " !!!!!!!!!!!!!!

Have to say, over years of canoeing the inland waterways & rivers and camping along the way, I've never been refused permission to camp by a farmer. Even before they were navigable and were were shooting rapids and weirs we were met with interest and welcomed, even offered dinner & space to park the car on a few occasions.

We always asked permission though.

Funny you should mention me and my dog - which I don't happen to have - but someone dropped several over the fence of a property I lease the grazing of and 54 sheep were slaughtered or had to be put down. But thanks for the suggestian that I might be the sort of person to do something like that.

Foolish, that's me all right - what posessed my to empty a bank account to buy bitcoin in 2016 and still have it, is beyond me.

If that attraction is a registered monument then it's illegal for the metal detector lads to be near it. I wouldn't be letting them in if that was the case and it was me.

Was a good move on the bitcoin, but a lot depends on how much was in the bank account in 2016 😀

Still, you're about 50 times up I would guess. Not bad in 5 years...

As a matter of interest, do you have a number at which you'll sell at?

Not really as your duty of care to trespassers is as Bass Reeves stated earlier in the thread .

Three categories under the statute:

1) Visitor

2) Recreational user

3) Trespasser

The second category does not strictly have to have owners permission and has a slightly higher duty of care than trespasser. The people coming to visit the monument in your case would most likely be in category 2. Note that, technically speaking, permission can be implied - even for what you might otherwise consider to be a trespasser.

All the above pertains only to the physical state of the property. The statute replaced old common law for examples where that is the case. If the matter at hand is related to an activity for example, it does not come under the statute and is still under the old common law.

Edit: Just on Bass's point about age, as far as I am aware age, age has nothing to do with the statute. It may affect how the statute is interpreted or applied but it is not in the statute itself.

If I was U30 again I would seriously consider putting health insurance into an investment account, especially if your family has a fairly good health history.

All insurance companies take a margin However in the case of house insurance the financial risk outweighs the premium as a serious incident is a life changing experience. I know of an incident about 20 miles away where a shed of straw in went up in flames, it did serious damage to the house some machinery parked adjacent to it as well as a milking parlour. Total cost will probably be in the 3-500k mark.

I myself have had a roof go off a round barn hay shed and a garage 40+ years ago. A person that my wife knows had a house go on fire. There was an incident locally where a women who likes her GnT's had a serious house fire but no insurance. There was a fundraiser, I deliberately avoided and I go to most fundraisers. I actually went to the Tractor run that was twenty miles away because even though he had insurance I know well he will struggle to get full costs back from.the insurance company.

You misunderstand, I own the property and lease the grazing to someone else. It's up to them to carry insurance to cover their activities. The house on the property was insured for years, but then the insurance broker said the insurers would no longer insure it for 350 punts due to it being unattended most of the time and wanted more than double, so that was the end of the insuring it. 20 uears later and have saved close to €18,000.

I don't have a mortgage on my house, so if it burnt to the ground I could move to my other property and freeze in winter. A 0.6% risk is one I'll take.

Not for this reason, but I am planning to sell up and move to NZ, where coincidentally, there is currently no CGT, or several other taxes Ireland has. It's not so much a sell at price as a not while I am living here price.