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Can I settle for more than policy limit?

Unfortunately, you cannot make an insurance company pay beyond its policy limit. You do, however, have the right to sue the at-fault driver for more than ...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do I need to add occasional drivers to my policy?

We cover anyone who drives your car, even if you haven’t nominated them on your policy1. If the driver of your vehicle is young or inexperienced then an a...

Does homeowners insurance cover travel cancellation?

Also check with your homeowners insurance policy, as some of these homeowners insurance policies include travel insurance protection. Renters insurance, m...

Is back pain considered a medical condition?

In rare cases, back pain can signal a serious medical problem. Seek immediate care if your back pain: Causes new bowel or bladder problems. When should I ...

What happens if someone crashes into my house?

In most cases, any person that causes an accident is liable for the damages. On an insurance claim, the driver at fault would be responsible for the damag...

Can any company sell insurance?

This means agents of any insurance company �� private or public sector, life and general �� can sell mediclaim and health plans of any other company. Ho...

Does bankruptcy apply to liability coverage?

While liability coverage is ordinarily unaffected by an insured’s bankruptcy or insolvency, there are important exceptions or caveats that counsel should ...

How many calendar days does an insurer have to furnish the Department of Insurance a response concerning a claim?

(a) Upon receiving any written or oral inquiry from the Department of Insurance concerning a claim, every licensee shall immediately, but in no event more...

What is meant by property insurance?

The property insurance is the insurance that protects the physical goods and the equipment of the business or home against any loss from theft, fire, and ...

How much does it cost to insure a motorbike in Ireland?

The Average cost of Motorcycle insurance is around €150 – €700 per year. Can I drive a 125cc motorbike on a car Licence in Ireland? As stated above, if yo...