Homeowners could be doing themselves out of thousands of euros by underinsuring their property; that’s according to local insurance expert who issued a stark warning that skimping to save a few euros on an insurance policy could have devastating consequences should a claim arise.
Athenry-based Linda Lyons, Claims Manager with CMG – the country’s largest independent loss assessor – said she was seeing cases of under insurance every day and the dire financial position it can leave people in.
The reality was that a €50 saving on an insurance policy could end up leaving a homeowner out of pocket by ‘a lot more than €50,000’ if their home was destroyed by a fire, she cautioned.
“I had two particularly bad cases in one week recently. One should have been getting €20,000 to cover damage to their property and they only got €8,000 – they are not able to reinstate their house fully. The other case was very similar,” said Ms Lyons, who covers the West of Ireland for CMG.
“That’s only on a small claim, but if their house had burned down, they wouldn’t have a hope in hell of reinstating it.”
Underinsurance occurred when the policy did not value the property at the full amount it would cost to reinstate or replace it should it be totally destroyed, and there was a lack of knowledge as to what needed to be included in that valuation, said Ms Lyons.
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Gardaí launch social media campaign urging motorists to #SlowDown
AS part of their Be a Lifesaver road safety initiative, An Garda Síochána have commenced a week-long social media campaign #SlowDown.
Olympic golden boy Gunnar Bentz star attraction in Galway charity swim
USA Olympic swimming gold medallist Gunnar Bentz will be the star attraction at the Galway Swimming Club Open Water Longest Day Swim on the River Corrib on Saturday (July 2).
The event, organised in partnership with local charity Jigsaw, features two swims — a 4k starting at Glenlo and a shorter 2.5k option getting under way at Dangan.
Last held in 2019 due to Covid, the Longest Day Swim aims to promote the mental and physical benefits of swimming as a recreation or a sport.
Those taking part will swim past some of Galway’s most notable landmarks including Menlo Castle, NUI Galway, and the Quincentenary Bridge.
Finishing at Steamers Quay, Woodquay, the event is a timed river swim for competent over-18 open-water swimmers with two distance options.
Eligible swimmers can enter through Eventbrite
All participating swimmers will receive a customised towel.
The charity swim will be headlined by Gunnar Bentz, a four-time medallist at the FINA World Junior Swimming Championships and a two-time medallist at the Pan American Games in addition to his Olympic Gold Medal won with the USA 4 × 200 m freestyle squad at the 2016 Games in Rio. He was also the 2015 USA National Champion in the 400m Individual Medley.
Jigsaw Galway is part of a national network of services for youth mental health aiming to provide tailored community-based help for young people.
Jigsaw Galway is a free, non-judgemental and confidential support service for young people (12-25) living in Galway city and county.
They provide guidance and assistance for young people who are going through a difficult or distressing time. They also provide advice for anyone who is concerned about a young person in their life or work. Jigsaw Galway can be contacted on 091 549252.
End of lockdown brings upsurge in serious assaults and shoplifting
Shoplifters have returned to Galway City with a vengeance since the Covid-19 restrictions were eased this year.
And serious assaults and public order offences have also spiked so far this year compared with last year, as the economy opens up again after lengthy lockdowns.
Garda Chief Superintendent Tom Curley that shoplifting had increased by 106% in the first five months of this year compared with the five months to the end of May in 2021.
There were some 282 thefts from city shops in the five months of 2022, an increase of 145 compared with the same period last year.
“The opening up of society and the economy has led to an increase in shoplifting,” Chief Supt Curley told the Galway City Joint Policing Committee meeting on Monday.
However, he said that one positive statistic that was not in his crime report was that detections for shoplifting are running at about 86%, which was high.
In many cases CCTV footage and/or security guards in shops can help with the detections.
Thefts from vehicles increased by 26% to 93 offences during the first five months of this year, and a number of arrests had been made in relation to these thefts and people would be prosecuted through the District Court.
He warned that many of the thefts from cars and vans were by opportunistic thieves who stole items from vehicles that were unlocked.
Chief Supt Curley confirmed there was a massive increase in serious assaults in Galway City in the five months to the end of May.
There were 59 assaults during that period he said, which was an increase of 42 assaults, or 247%.
Chief Supt Curley said that the opening up of society was to blame for assaults increasing again compared with last year, but he also said that some of them were related to ongoing feuds in the city and the county between rival families. Minor assaults were up by 30% to 142 incidents.
There were 225 public order offences recorded in Galway City in the five months to the end of May, up by 26% compared with the same period last year.
This was again due to the increased socialising and opening-up of the economy, the Chief Supt said.
In response to queries from Councillor Mike Crowe (FF), it was confirmed that a 24-hour Garda presence would be maintained in Eyre Square; this presence, according to Chief Supt Curley, was making a difference and had helped to reduce incidents of anti-social behaviour and assaults in Eyre Square.