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New Rule Requires Irish Motorists to Provide Driver Number for Insurance Policies

From March 31, all motorists in Ireland must provide their Driver Number when renewing or purchasing a new motor insurance policy, according to the Motor Insurers’ Bureau of Ireland (MIBI).

The measure, introduced under the Road Traffic and Roads Act 2023, aims to enhance road safety and tackle uninsured driving. It will be an offence for any insurance provider or broker to issue a policy without a valid Driver Number.

What Motorists Need to Know

The Driver Number is a unique identifier assigned to every motorist for life, regardless of changes to their vehicle, insurance provider, or even driver’s licence renewal. It can be found under section 4(d) of a driver’s licence.

From the end of March, anyone failing to supply the Driver Number for all named drivers on their policy will not be legally able to obtain insurance.

“For most people, this just means they need to check their driver’s licence and provide the correct number when renewing their insurance,” said David Fitzgerald, CEO of MIBI. “If additional drivers are listed, their numbers must also be included.”

Enhancing Road Safety and Law Enforcement

This new requirement will see Driver Numbers added to the Irish Motor Insurance Database (IMID)—a key tool used by An Garda Síochána to track uninsured drivers.

Currently, Gardaí have real-time access to insurance details for over three million vehicles and five million drivers, with information updated daily. Adding Driver Numbers will create a more comprehensive record, making it harder for those who break road laws to evade detection.

The IMID project, a joint initiative between the Department of Transport, An Garda Síochána, Insurance Ireland, the MIBI, and insurance providers, was launched to curb Ireland’s high levels of uninsured driving.

MIBI figures reveal that in 2022, there were approximately 188,000 uninsured private vehicles on Irish roads—one in every 12 cars.

“This is an important measure that brings more safety to Irish roads and greater accountability,” Fitzgerald added. “With Gardaí already able to detect uninsured drivers in seconds, this will further strengthen road policing efforts.”

The Final Phase of the IMID Project

The integration of Driver Numbers marks the final stage of the IMID project, ensuring every driver has a traceable record.

“We all want safer roads, and this measure adds another layer of effectiveness in the battle against illegal driving,” said Fitzgerald.

As the March 31 deadline approaches, motorists are advised to check their driver’s licence and ensure all required details are provided when renewing or applying for insurance.

Business

Fraudsters are increasingly using AI-generated images and videos to trick people into handing over sensitive personal and financial information, according to FraudSMART, the financial crime awareness initiative operated by the Banking and Payments Federation Ireland (BPFI). The organisation has reported a rise in online adverts promoting fake, State-backed investment schemes. These scams often use fabricated images of well-known politicians and business figures to make the offers appear legitimate and encourage users to click on registration links. Niamh Davenport, head of financial crime at BPFI, said scammers are deliberately exploiting recent media coverage of a planned State-backed savings and investment scheme to give their frauds a sense of credibility. “They often claim the scheme is open to everyone, but that places are limited and being ‘snapped up’ fast, in order to pressure people to act quickly,” she said. “They typically promise guaranteed returns or a guaranteed monthly income.” FraudSMART said that while anyone can be targeted, people in their early 50s are particularly vulnerable to investment scams. This age group is often focused on retirement planning, making them more receptive to financial offers that appear secure or high-yield. According to the organisation, most scams follow a similar pattern. Victims are first directed to click a registration link and complete a short online form providing their contact details. They are then contacted by someone posing as a financial adviser, who urges them to make an immediate “security deposit” to secure participation in the scheme. Once a payment is made, the money is quickly moved through multiple accounts, often overseas, making recovery extremely difficult. Davenport warned that scammers are becoming more sophisticated in their use of technology, particularly AI tools that allow them to create realistic but entirely fake promotional content. These materials are designed to mimic legitimate financial advertisements and build trust with potential victims. Recent figures from An Garda Síochána show investment fraud rose by 20% last year, with losses exceeding €20 million. The scale of individual scams varies widely, ranging from smaller crypto-related frauds involving a few hundred euro to large-scale investment schemes where victims lose tens of thousands. FraudSMART is urging the public to remain cautious when encountering online investment advertisements, especially those promising guaranteed returns or requiring urgent action. It also advises consumers to avoid sharing personal information with unverified sources and to be wary of pressure tactics designed to rush financial decisions. Authorities continue to warn that fraudsters are adapting quickly, using advanced digital tools to target victims across multiple platforms.

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Business

Fraudsters are increasingly using AI-generated images and videos to trick people into handing over sensitive personal and financial information, according to FraudSMART, the financial crime awareness initiative operated by the Banking and Payments Federation Ireland (BPFI). The organisation has reported a rise in online adverts promoting fake, State-backed investment schemes. These scams often use fabricated images of well-known politicians and business figures to make the offers appear legitimate and encourage users to click on registration links. Niamh Davenport, head of financial crime at BPFI, said scammers are deliberately exploiting recent media coverage of a planned State-backed savings and investment scheme to give their frauds a sense of credibility. “They often claim the scheme is open to everyone, but that places are limited and being ‘snapped up’ fast, in order to pressure people to act quickly,” she said. “They typically promise guaranteed returns or a guaranteed monthly income.” FraudSMART said that while anyone can be targeted, people in their early 50s are particularly vulnerable to investment scams. This age group is often focused on retirement planning, making them more receptive to financial offers that appear secure or high-yield. According to the organisation, most scams follow a similar pattern. Victims are first directed to click a registration link and complete a short online form providing their contact details. They are then contacted by someone posing as a financial adviser, who urges them to make an immediate “security deposit” to secure participation in the scheme. Once a payment is made, the money is quickly moved through multiple accounts, often overseas, making recovery extremely difficult. Davenport warned that scammers are becoming more sophisticated in their use of technology, particularly AI tools that allow them to create realistic but entirely fake promotional content. These materials are designed to mimic legitimate financial advertisements and build trust with potential victims. Recent figures from An Garda Síochána show investment fraud rose by 20% last year, with losses exceeding €20 million. The scale of individual scams varies widely, ranging from smaller crypto-related frauds involving a few hundred euro to large-scale investment schemes where victims lose tens of thousands. FraudSMART is urging the public to remain cautious when encountering online investment advertisements, especially those promising guaranteed returns or requiring urgent action. It also advises consumers to avoid sharing personal information with unverified sources and to be wary of pressure tactics designed to rush financial decisions. Authorities continue to warn that fraudsters are adapting quickly, using advanced digital tools to target victims across multiple platforms.

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