#car insurance ireland
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deathtodickens · 2 years ago
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I fell behind on posting Ages Chapter 33 and ended up rewriting the whole thing. The universe used my overfloweth cup of stress to say, “Nah, that ain’t it.” And you know what? The universe was right. Because it’s better now.
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macfina · 1 year ago
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A Deep Dive into Car Insurance Terms and Conditions
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Navigating the world of car insurance can seem daunting. Yet, understanding the terms and conditions is crucial for every car owner.
Avoid Surprises: Knowledge about what’s covered and what's not ensures no shocking revelations during claims. Unexpected out-of-pocket costs can hurt if you thought you were covered for a particular incident.
Make Informed Choices: You can select a plan tailored to your needs when you grasp the different coverage types. Make choices that align with your habits.
Maximise Value: By understanding terms, you'll recognise discounts or benefits you may be eligible for.
Stay Legally Compliant: Some insurance covers are legally required. Knowing these can help you avoid unintentional legal breaches.
When renewing or changing policies, being aware of standard terms can put you in a stronger position to negotiate rates and coverages.
Common Terms Explained: An A-Z Guide
Car insurance language can often seem like an alphabet soup of jargon.
Adjuster: A professional who examines the validity of a claim and determines how much compensation is owed. They're a bridge between the policyholder and the insurance company, ensuring fair evaluations.
Beneficiary: The person or party named in the policy who will receive the insurance payout. While more common in life insurance, it's crucial to recognize the term across insurance spheres.
Comprehensive Coverage: This goes beyond the basics. It covers damage to your car from non-collision events like theft, fire, or natural disasters.
Exclusion: Situations or conditions where the insurance company won't cover the damages. It's essential to know exclusions to avoid unexpected bills.
Indemnity: A principle where the insurer compensates or restores the insured to the state they were in before the event.
Joint Policy: A single policy covering multiple individuals, often resulting in reduced premiums.
Types of Coverage: Comprehensive, Collision, Liability
Let's delve into three primary categories: Comprehensive, Collision, and Liability.
Comprehensive Coverage:
What It Covers: This includes theft, vandalism, fire, natural disasters or encounters with animals.
Considerations: If you're financing your car, the lender may require comprehensive coverage. However, if you own an older vehicle, the cost of this coverage might exceed its value.
Collision Coverage:
What It Covers: Whether you're at fault or not, collision coverage comes to the rescue if your car gets damaged in an accident. This can include rollovers or hitting potholes.
Considerations: Collision insurance is usually optional unless mandated. Weigh the car’s value against the cost of premiums and your deductible to decide if it’s worth it.
Liability Coverage:
Legal Requirement: Liability insurance is mandatory in most states. It's designed to cover the costs if you're responsible for an accident.
What It Covers: There are two components:
Bodily Injury Liability (BIL): When you cause an accident, bodily injury liability (BIL) covers the other party's pain and suffering.
Property Damage Liability (PDL): This covers the expense of repairing or replacing the vehicle or property of the other party.
Considerations: There are minimal coverage requirements for each state. Many experts advise acquiring additional coverage than that.
How to Read and Interpret Your Policy Document?
Navigating a car insurance policy can seem daunting. All those clauses, terms, and sections! But, it's vital to comprehend it. Why? It's the key to your coverage, costs, and claims. Let's break it down.
Begin with Basics
Your policy starts with basic details. This includes your name, car details, and the policy period.
Next, you'll spot your policy number. This is a unique identifier, and it’s crucial for claims.
Coverage Details
This section describes what's covered. You'll find descriptions of comprehensive, collision, and liability.
The specifics of what's covered under each are listed. For instance, the collision might discuss repairs post-accident.
Cost Breakdown:
Here, you'll see terms like premiums and deductibles. The premium is your policy's cost.
The deductible is your share in a claim. Higher deductibles usually mean lower premiums.
Exclusions:
Every policy has exclusions. These are situations that the insurer won't cover.
Examples might be damage from war or driving under the influence.
Claim Process:
This is a step-by-step guide. It shows how to file a claim.
It'll state the required documents and timelines for approval.
Endorsements:
Sometimes, there are changes in the policy. These alterations are called endorsements.
They could be due to a change in the car, address, or even coverage.
Lastly, always keep a hard copy safe. Store a digital copy on your devices too. It's handy in emergencies.
The Role of Policy Exclusions
Policy exclusions play a pivotal role in determining the boundaries of your coverage.
Policy exclusions are specific situations that aren't covered by your insurance. These exclusions can sometimes surprise policyholders at the time of a claim. This leads to unexpected out-of-pocket expenses.
For instance, many people might look into financing options when purchasing a car. Exploring car finance for bad credit in Ireland can be a lifeline for those with less-than-perfect credit scores. Now some insurance policies have different rules for such situations.
Some common exclusions include:
Damage from natural disasters, unless you have comprehensive coverage.
Damages to a vehicle being used for commercial purposes unless you've opted for commercial insurance.
Wear and tear or mechanical failures.
The Connection Between Driving Record and Insurance Rates
Your driving record acts like a report card for insurers. It gives them a glimpse into your history as a driver. And just as students strive for good grades, drivers should aim for clean records. Here's why.
Driving Record's Snapshot:
This record compiles your driving history. It includes tickets, accidents, and other violations.
Minor infractions might be speeding tickets. Major ones could be DUIs or hit-and-runs.
Impact on Rates:
Insurers love risk assessment. A clean record signals you're a low-risk driver. Thus, you might enjoy lower rates.
On the flip side, multiple violations? They indicate a riskier driving habit. Resultantly, your premium could shoot up.
Your driving behaviour directly impacts your pocket. Good driving can mean more savings, while reckless habits might cost you. It’s a system built on trust. Insurers trust you to drive safely; in return, they offer better rates.
Conclusion
In the realm of car insurance, one size doesn't fit all. Every driver has unique needs, and fortunately, insurance policies can often be tailored to match those specifics. Here's how to negotiate and customise your coverage effectively:
Many companies offer discounts for safe driving, being a student, or even for bundling other insurance types
Decide on coverage limits based on the assets you want to protect. Don’t over-insure an old car, but also ensure your limits are high enough to cover potential liabilities.
Some add-ons, like rental reimbursement or roadside assistance, can be beneficial. However, weigh the additional cost against the benefit you'll get.
Meta Description
Unlock the complexities of car insurance with our detailed guide. Dive into essential terms, coverages, and negotiation tips for the best deals.
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drunkwhenimadethis · 3 months ago
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I have the next two days off work so I need to do morning Pilates twice, continue reading My Brilliant Friend or A Breathe of Life, do three pages of stream of consciousness writing after waking up and make something of a draft that has been hurting my mind for a while. I want to tighten up my personal schedule a lot more as I’m almost a month into my new job I feel like everything is smoothing out and the learning curve is for the most part finished with. My darling and I bought a car together and our insurance coverage starts soon I will want to drive around and go shopping. But I’m also saving money but. I would like to have the living room in the apartment cute and organized for the time my family comes to visit us. It’s going to be like 14 people also some family from Ireland. Nothing much to say aside from that I climb towards the light of higher energy levels and I’m happy for every new day. But also feel scattered and aside from reading writing and Pilates it would be good to paint or make a plan to do some courses
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zahri-melitor · 5 months ago
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Still speculating on 'where did the $50,000 go' as far as Jack's debts. Because.
We know Bruce is quite willing to give Dick and Tim, in particular, access to money in a manner that doesn't offend them (selling the Redbird for $50,000? Dick's famous 'inheritance' from John and Mary that just happened to be worth far more than his parents likely had unless there were serious life insurance policies?).
$50,000 was more than the median US household income for 2002 (which was $42,409), and it was tax-free. In terms of a cash injection into the household budget, it presumably was more than enough money for Jack to be meeting his regular debt payments for the loans for months or potentially even years. It would have covered Tim's school fees for at least a year, so he wouldn't have had to be pulled out. It was 'your debt issues don't need to affect your son's lifestyle outside of moving house' sort of money.
And what happens to that money? They give some of it to Mrs Mac to pay for her flight back to Ireland, and then the rest of it just...goes, but doesn't seem to change the situation in terms of how much of a financial hole Jack feels that he's in. (And again, if the Bristol house was owned outright, that was a far bigger contributor to fixing this problem).
That was the sort of money that Jack should have had as a savings nest-egg for emergencies, given their family situation.
Is that $50,000 doing what Bruce clearly intended it to do, and servicing Jack's debts for the next 6 months or so until War Games and Identity Crisis hit and he dies anyway, and anything further ends up being sorted out by his deceased estate? So Jack's supporting his family on the money brought in from Tim's car? (Plus Dana's salary, but it's Jack's lack of income that has caused this situation).
Did Jack throw it all onto the principal of the loans or into an offset? So while it was bringing down his loan repayments it wasn't actually helping with the problem of the family getting by until Jack found work?
And even after Tim has just contributed FIFTY THOUSAND DOLLARS to the household bottom line (plus the savings on not paying insurance premiums for a 15 year old's vehicle, plus whatever he's sold online for Jack, because Jack just wanted to have a garage sale and would have lost even more money that way), Jack has the hide to go 'and Tim can get a job' about their finances.
Why don't you get a job, actually, Jack. Not your 15 year old who you just pulled out of school before the end of the school year. He's already contributed more than he could earn in multiple years as a kid, by selling his beloved car.
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jayjuno · 4 months ago
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Hurricane Helene and Appalachia
It's hard to express how it feels to see everything in Appalachia and the US South that's been destroyed by hurricane Helene- this is where I grew up. My family has been in Tennessee for several generations. We are descendants of Scotland, Ireland, Wales, Britain, Germany, France, Denmark, Sweden, and Finland. Appalachia is my home, and parts of it have just been annihilated from the earth.
You remember as a kid when you lost a toy because rainwater washed it down a drain pipe or down the road, to a place where you couldn't reach it? Remember how horrible that felt? To have to stand there and watch your favorite toy just float away?
Now imagine that happening to you now, but instead of a toy, it's your house. It's your car. You watch them float slowly away like a cruel joke in slow motion. It's like the universe has to do it in slow motion just to draw out your pain and mock you. You don't know whether to laugh or cry- maybe you do both. Maybe you scream. I would...
Folks just had to watch their entire lives literally float away- entire houses and cars gone forever. Most of these people don't have insurance that would even try to cover any of this.
No one can imagine how horrible and hopeless the folks in Tennessee, the Carolinas, Georgia, Florida, and other Appalachian/Southern states feel right now. Some folks will never recover or be the same ever again. May the universe show them kindness and give them the strength to endure.
Maybe Beethoven can better express it through music here-
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johnschneiderblog · 1 year ago
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When right feels wrong
If you’ve even been across the sea to Ireland …
(Or Scotland … or any other land where they drive on the wrong side of the road, on the wrong side of the car … and where two lanes barely equal an honest one … and where the trucks and busses barreling toward you don't always stay in their lanes ... )
Then maybe at the end of your drive
You have sat and poured your second double-Glenfiddich
And thanked the Lord for keeping you alive
Aside from a couple of flights and shoe-leather. this has been a road trip. Some suggestions for those considering such a adventure:
Get the smallest car that will suit your needs.
Go with an automatic transmission.
Keep your eyes to the right when driving through roundabouts.
Use your drivers-side mirror to help you stay in your lane while avoiding bouncing off the curbs.
Bite the bullet and buy full-coverage insurance
On Saturday we drove from Belfast, to Londonderry ("Derry", if you insist) with stops at the Giants Causeway and the Old Bushmills Distillery.
We got drenched at the Causeway but only slightly wet at Bushmills.
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Americans Abroad in Europe
I’m not so sure about other continents, but us Americans always sound so traumatized talking about out time spent abroad in Europe. I have heard multiple posts of people saying they were worried to pay for a doctors visit that in readily cost them only 100-300 euro…Europeans apologize to us for charging 100-300 Euro for a Dr’s visit and it’s like…no…no you don’t understand I will happily pay 300 euro do you have any idea how much more this would cost me in America??? WITH insurance??? Do you know what I would do to not have to question whether or not I really have to go to the doctor? Even as a kid I was scared of being so sick I had to go to the doctor because my parents wouldn’t take us to the doctor unless it was really really bad. Dont get me wrong, they took care of us and I was lucky to have a roof over my head but we didn’t have enough to just go to a doctor.
Then for the Americans who work overseas telling us the rumors are true…I’ve read papers and magazines saying in France if you’re sick you’re sick and you don’t have to use up “sick days”, in Eurpoean countries pregnant people get MONTHS of maternity leave but I never fully believed it. In America you are told out of politeness to “take care of yourself” and “don’t come to work if you’re sick” but no one really means it. They tell you that because we have certain labor laws they want to pretend are better than they actually are, they want to make it seem like they aren’t going to make you drag your ass into your shift when you’re coughing and sneezing and you’re pretty sure you’re going to vomit, you just haven’t yet because you’ve trained yourself not to because at a young age you were punished for being sick from school.
We are surprised when your cops don’t have guns. We are surprised when the car backfiring wasn’t a gunshot. We are surprised that you don’t take note of the exits when you enter a building, that you don’t stare at the person getting on the bus with a big hoodie on to see if he’s concealing a gun (because chances are you’ve learned to tell the signs of someone concealing a gun).
It’s beyond culture shock. Culture shock is realizing that German trains are punctual and that there is still a heavy Catholic influence in Ireland. It is the same culture shock as finding out that weed is illegal in most European countries but the drinking age is much lower than it is in America. It is the same culture shock one would get from moving from Nebraska to Oregon and finding out that most stores close at 7-9pm and you will seldom find anything open 24/7. It is the same culture shock one would get moving from southern Texas to the Rocky Mountains and seeing just how long the snow stays on the mountains. That, THAT is culture shock. Being shocked that education is affordable, that healthcare is affordable, that people are given vacation time, PTO, decent paternity and maternity leave…that is trauma.
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shuvradeepg · 2 months ago
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Scrap Car Ireland: The Process and Benefits of Scrapping Your Vehicle
If you own an old or damaged car in Ireland that you no longer wish to repair or maintain, scrapping it may be the best option. Scrap car removal in Ireland is an organized process that ensures your car is disposed of in an environmentally friendly and legal manner. In this blog, we will dive into the process of scrapping a car in Ireland, the benefits, and the options available to vehicle owners.
Why Scrap Your Car in Ireland?
Scrapping your car in Ireland is a great way to get rid of an old vehicle while making sure it is disposed of properly. There are several benefits to scrapping a car in Ireland:
Environmental Responsibility: Cars are made up of many materials, some of which can be harmful if left in the environment. Scrapping your vehicle at a licensed scrapyard ensures that hazardous materials, like oils, fuels, and batteries, are disposed of correctly. Many components of the car, such as steel and aluminum, can be recycled and used again, reducing the demand for new raw materials.
Legal Compliance: Scrapping your car legally is crucial. In Ireland, cars must be disposed of at an authorized treatment facility (ATF). These facilities are regulated by the government to ensure they follow all environmental and safety protocols. When you scrap a car, you receive a Certificate of Destruction (CoD) confirming that the vehicle has been legally and responsibly disposed of.
Free Up Space and Avoid Costs: If your old car is taking up valuable space in your garage or driveway, scrapping it can help you reclaim that space. Moreover, you avoid the costs of insuring, taxing, or maintaining an old car that no longer serves its purpose.
The Process of Scrapping a Car in Ireland
Find a Registered Scrap Yard: The first step in scrapping your car in Ireland is to find a licensed and authorized scrap yard or vehicle recycling center. These facilities are certified by the Irish government and adhere to strict regulations when dismantling vehicles and recycling their parts.
Get a Quote: Once you’ve found a scrap yard, the next step is to get a quote for your vehicle. The amount of money you can receive for your car depends on various factors, including its weight, make, model, and condition. Some scrap yards also offer free vehicle collection, making it more convenient for you to get rid of your car.
Provide Documentation: In Ireland, when you scrap your car, you must provide proof of ownership and a copy of the car’s registration certificate. This ensures that the vehicle is properly deregistered and that no one else can use it illegally.
Collection and Disposal: Once the paperwork is complete, the scrap yard will arrange for your car to be collected. Afterward, the vehicle will be dismantled, and any recyclable materials will be processed. The scrap yard will also ensure that any hazardous substances are disposed of safely.
Receive a Certificate of Destruction: Once your car is scrapped, you will receive a Certificate of Destruction. This document serves as proof that your car has been legally and responsibly disposed of, and it will be sent to the Irish Motor Tax Office to cancel your vehicle’s registration.
Benefits of Scrapping Your Car in Ireland
Environmental Protection: Ireland is committed to reducing waste and promoting recycling. By scrapping your car responsibly, you help protect the environment by ensuring that your vehicle is recycled and hazardous materials are disposed of safely.
Legal Peace of Mind: Scrapping your car through a licensed facility ensures you are in compliance with Irish law and prevents any potential legal issues.
Financial Gain: While the payment for scrapping a car may not be large, it’s still an extra source of income for a vehicle that no longer has value. Some scrap yards also offer free collection, saving you money on transportation.
Conclusion
Scrapping your car in Ireland is an easy and responsible way to dispose of an old or damaged vehicle. By using a licensed scrapyard, you ensure that your car is recycled properly and that you are following the legal guidelines set by the Irish government. Not only will you free up space and avoid unnecessary costs, but you’ll also contribute to a greener environment.
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personalinjurysolicitorie · 2 months ago
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When Should You Call a Traffic Accident Solicitor in Kildare?
Traffic accidents can be overwhelming, leaving victims to deal with injuries, vehicle damage, and insurance claims. Knowing when to call a traffic accident solicitor can make a significant difference in navigating the legal and financial challenges following an incident. This blog outlines key scenarios when seeking the expertise of a solicitor is essential in Kildare.
1. Immediately After a Serious Accident
If a traffic accident results in severe injuries, fatalities, Car Accident Lawyer Dún Laoghaire or substantial property damage, contacting a solicitor should be one of your priorities. In such cases, legal professionals can guide you through the complex process of filing claims, gathering evidence, and understanding your rights.
Solicitors can help identify who is liable and ensure that all responsible parties are held accountable. This is particularly important if there are disputes regarding fault or if the other party is uninsured.
2. When You Suffer Personal Injuries
Even minor injuries from an accident can have long-term consequences. A solicitor can assess your situation and help you claim compensation for medical expenses, loss of income, and pain and suffering.
It's crucial to document your injuries with medical reports and keep records of related expenses. A solicitor can use this evidence to negotiate a fair settlement with the responsible party's insurance company or represent you in court if necessary.
3. If There Are Disputes About Fault
Determining who is at fault in a traffic accident can be complicated. Insurance companies often conduct their investigations, but their primary goal is to minimize payouts. If there’s any disagreement about liability, a solicitor can represent your interests, ensuring that your side of the story is heard.
Solicitors can work with accident reconstruction experts and gather evidence like CCTV footage, witness statements, and police reports to build a strong case on your behalf.
4. When Dealing with Insurance Companies
Insurance companies may not always have your best interests at heart. They might offer a low settlement or delay payments. If you encounter challenges when dealing with insurers, a solicitor can step in to negotiate a better outcome.
A solicitor understands the tactics insurers use and can help you avoid accepting an offer that doesn't adequately cover your losses. Additionally, they can handle all communication with the insurance company, saving you time and stress.
5. If You’re Not Familiar with Legal Processes
Navigating the legal system after an accident can be confusing, especially if you're unfamiliar with Irish traffic laws or personal injury claims & Traffic accident claim Dublin. A solicitor provides the expertise needed to ensure you meet all legal deadlines, such as the statute of limitations for filing a claim.
In Ireland, you typically have two years from the date of the accident to file a personal injury claim. Missing this deadline could result in losing your right to compensation. A solicitor will ensure that all necessary documents are filed on time.
6. When Multiple Parties Are Involved
Accidents involving multiple vehicles or parties can be especially complex. Determining liability and dividing compensation fairly requires expert legal assistance.
For instance, if several drivers or a third party, such as a vehicle manufacturer or a municipality responsible for road maintenance, are involved, a solicitor can help untangle the complexities and ensure you receive the compensation you deserve.
7. If the Other Party Hires a Solicitor
If the other party involved in the accident hires a solicitor, it’s crucial to have one on your side too. Attempting to handle the case alone could leave you at a disadvantage.
A solicitor will protect your rights, counter any unfair claims made against you, and ensure that you’re not pressured into accepting a settlement that doesn’t reflect the full extent of your damages.
8. When You’re Facing Criminal Charges or Fines
In some cases, a traffic accident might result in you facing criminal charges, such as reckless driving or driving under the influence. Even if you believe you’re innocent, it’s essential to seek legal representation to defend yourself.
A solicitor can help you navigate the criminal justice system, represent you in court, and work towards minimizing potential penalties or achieving a favorable outcome.
9. If Your Case Goes to Court
While many traffic accident claims are settled outside of court, some cases may require litigation. If this happens, having a solicitor with experience in court proceedings is invaluable.
They will prepare your case, present evidence, and advocate on your behalf, ensuring that your interests are fully represented during the trial.
10. To Avoid Costly Mistakes
Making mistakes after a traffic accident can jeopardize your claim. For example, admitting fault at the scene, failing to document evidence, or accepting a quick settlement offer without understanding its implications can hurt your case.
A solicitor can guide you from the outset, helping you avoid these pitfalls and ensuring that every step you take strengthens your position.
What to Expect When You Contact a Solicitor
When you reach out to a traffic accident solicitor in Kildare, they will typically offer an initial consultation to review the details of your case. During this meeting, they’ll evaluate the strength of your claim and outline the steps involved in pursuing compensation.
Solicitors often work on a no-win, no-fee basis, meaning you won’t have to pay unless they successfully recover compensation for you. This arrangement reduces financial risk and ensures that your solicitor is motivated to achieve the best possible outcome.
Conclusion
Knowing when to call a Traffic accident solicitors Kildare can significantly impact the outcome of your case. Whether you’ve suffered injuries, faced disputes over fault, or are overwhelmed by the legal process, seeking professional legal advice can help you secure the compensation and justice you deserve.
If you’re ever in doubt about your situation, it’s better to consult a solicitor sooner rather than later. Taking proactive steps will protect your rights and provide peace of mind during a challenging time.
Read Also: Dublin’s Leading Car Crash Solicitors for Accident Claims
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momentsofwonder · 10 years ago
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Alexander Afanaschenko’s Sanction
What Happened?
Alexander Afanaschenko, a figure embroiled in a significant insurance fraud scandal, has reportedly been attempting to conceal his shady past and censor damaging news about his involvement in a multimillion-euro “ghost broking” scheme. Afanaschenko, along with his associates, was implicated in orchestrating a €6 million scam, where they sold fake insurance policies to unsuspecting customers, leaving many without coverage. The fraudulent operation involved manipulating the system to sell invalid insurance policies, causing widespread financial harm and legal consequences for the victims.
As details of the case became public, it appears that Afanaschenko has been actively working to suppress media coverage and online reports highlighting his role in the scandal. Reports suggest efforts have been made to remove critical content and minimize the visibility of damaging news. This censorship strategy has raised alarms, as it signals an attempt to rewrite the narrative around his involvement in the fraud.
Despite these efforts, the serious nature of the charges against Afanaschenko remains clear, with court documents and investigative reports revealing the full extent of the financial damage caused. His actions have not only damaged the trust in legitimate insurance brokers but also left a trail of victims seeking justice for the fraud they endured.
Analyzing the Fake Copyright Notice(s)
Our team collects and analyzes fraudulent copyright takedown requests, legal complaints, and other efforts to remove critical information from the internet. Through our investigative reporting, we examine the prevalence and operation of an organized censorship industry, predominantly funded by criminal entities, oligarchs, and disreputable businesses or individuals. Our findings allow internet users to gain insight into these censorship schemes’ sources, methods, and underlying objectives.
List of Fake Copyright Notices for Alexander Afanaschenko
Number of Fake DMCA Notice(s): 1
Lumen Database Notice(s): https://lumendatabase.org/notices/41381459
Sender(s): Kalpesh Patel
Date(s): May 8, 2024
Fake Link(s) Used by Scammers:
https://www.tumblr.com/todaypatch/749903450575437824/three-in-court-charged-over-6m-ghost-broker
Original Link(s) Targeted:
https://www.rte.ie/news/courts/2021/0429/1212873-ghost-broker-six-million-charge/
How do we investigate fake DMCA notices?
To accomplish this, we utilize the OSINT Tool provided by FakeDMCA.com and the Lumen API for Researchers, courtesy of the Lumen Database.
FakeDMCA.com is the work of an independent team of research students and cybersecurity professionals, developed under Project UnCensor. Their OSINT Tool, designed to uncover and analyze takedown notices, represents a significant step forward in combating these abusive practices. It has become a valuable resource, increasingly relied upon by journalists and law enforcement agencies across the United States.
Lumen, on the other hand, is an independent research initiative dedicated to studying takedown notices and other legal demands related to online content removal. The project, which operates under the Berkman Klein Center for Internet & Society at Harvard University, plays a crucial role in tracking and understanding the broader implications of such requests.
What was Alexander Afanaschenko trying to hide?
Alexander Afanaschenko is a figure linked to a major fraud scandal involving a “ghost broking” scheme that resulted in millions of euros in losses. Ghost broking is a type of fraud where criminals sell fake or invalid insurance policies, usually at a reduced price, to unsuspecting customers. In this case, Afanaschenko was one of the individuals charged with orchestrating a €6 million ghost broking scam in Ireland. The scheme involved manipulating and falsifying documents to create fraudulent car insurance policies for hundreds of victims, leaving them without valid insurance coverage.
The scam caused significant financial damage to the victims, many of whom believed they were receiving legitimate insurance policies only to find out, often during accidents or claims, that their coverage was invalid. Afanaschenko’s involvement in this operation, and the ensuing criminal charges, have made him a central figure in one of Ireland’s largest insurance fraud cases.
Afanaschenko’s involvement in this serious fraud case has led to significant public scrutiny and negative coverage. Here’s a summary of the adverse news, complaints, and allegations he appears to be trying to suppress:
1. Ghost Broking Scam and Fraud Allegations
The most severe allegation against Alexander Afanaschenko is his central role in the €6 million ghost broking scam. Along with his accomplices, was charged with selling fraudulent car insurance policies to hundreds of individuals. These policies were either completely fake or altered in ways that invalidated them, meaning that victims thought they had legitimate coverage but were, in fact, left unprotected.
Afanaschenko’s operation reportedly targeted vulnerable individuals, offering low-cost insurance that appeared too good to be true. The scam went unnoticed for some time until victims began making claims and discovered their policies were invalid. This led to a massive investigation that uncovered the scale of the fraud. Afanaschenko has been accused of masterminding the scam, leveraging his knowledge of the insurance industry to exploit the system and his victims.
2. Court Charges and Legal Proceedings
Afanaschenko’s attempts to hide the details of his shady past likely stem from the high-profile legal proceedings against him. He was brought before the Irish courts, facing multiple charges related to fraud and deception. The case garnered significant media attention as it exposed the sophisticated nature of the scam and the large number of victims affected.
Court documents revealed that the fraudulent scheme was well-organized and spanned several years, with the perpetrators using various tactics to evade detection. As the legal case unfolded, more details about Afanaschenko’s role in orchestrating the fraud emerged, further damaging his reputation.
3. Victim Complaints and Public Outrage
Many victims of the ghost broking scam have spoken out, expressing their anger and frustration at being deceived. These individuals paid for insurance policies that they believed were legitimate, only to find themselves without coverage when they needed it most. The complaints from these victims highlight the emotional and financial toll of the scam, with some facing significant out-of-pocket expenses to secure new insurance policies or cover the costs of accidents that went uninsured.
Public outrage has been widespread, with many calling for stricter regulations to prevent similar scams in the future. The fact that Afanaschenko and his associates were able to operate for so long without detection has raised concerns about the effectiveness of current regulatory frameworks in the insurance industry.
4. Efforts to Suppress Negative News and Censor Media Coverage
In the wake of the charges, Afanaschenko appears to have made efforts to suppress negative media coverage and limit the spread of damaging news about his involvement in the scam. Reports suggest that attempts have been made to downplay the details of the case and remove online content that highlights his role in the fraudulent operation. These censorship efforts may include issuing legal threats to media outlets or leveraging privacy laws to remove unfavorable content.
Afanaschenko’s attempts to hide his connection to the ghost broking scandal and control the narrative surrounding his criminal activities raise concerns about transparency. The actions to suppress damaging information only add to suspicions about what else he may be hiding and serve as a reminder of the broader risks posed by such fraudulent schemes.
5. Broader Implications for the Insurance Industry
Afanaschenko’s actions have had wider repercussions beyond the direct financial impact on his victims. The ghost broking scam has damaged trust in the insurance industry, highlighting vulnerabilities that fraudsters can exploit. Many of the victims affected by the scam are now more cautious when purchasing insurance, and the case has led to calls for tighter regulations and improved fraud detection measures.
For legitimate brokers, the case has been a public relations disaster, as it has exposed the ease with which criminals can exploit consumers using fake documents and online platforms. Afanaschenko’s actions have left a lasting mark on the industry, and his attempts to avoid accountability have only worsened the fallout.
Alexander Afanaschenko’s involvement in one of the largest ghost broking scams in Ireland has placed him at the center of a major fraud scandal. His alleged efforts to suppress negative news about his criminal activities, including the ghost broking scheme and the resulting court charges, raise serious questions about his attempts to evade responsibility.
The scam caused widespread financial damage to hundreds of victims, many of whom remain angry and frustrated at being deceived. Afanaschenko’s attempts to hide his shady past and censor damaging news only deepen the public’s mistrust, leaving open questions about what other secrets he might be trying to keep under wraps. For the victims and the public at large, transparency and justice are critical, and efforts to silence the truth will only fuel further outrage.
Only Alexander Afanaschenko benefits from this crime.
Since the fake copyright takedown notices were designed to remove negative content for Alexander Afanaschenko from Google, we assume Alexander Afanaschenko or someone associated with Alexander Afanaschenko is behind this scam. It is often a fly-by-night Online Reputation agency working on behalf of Alexander Afanaschenko. In this case, Alexander Afanaschenko, at best, will be an “accomplice” or an “accessory” to the crime. The specific laws may vary depending on the jurisdiction. Still, the legal principle generally holds that if you actively participate in planning, encouraging, or facilitating a crime, you can be charged with it, even if you did not personally commit it.
How do we counteract this malpractice?
Once we ascertain the involvement of Alexander Afanaschenko (or actors working on behalf of Alexander Afanaschenko), we will inform Alexander Afanaschenko of our findings via Electronic Mail.
Our preliminary assessment suggests that Alexander Afanaschenko may have engaged a third-party reputation management agency or expert, which, either independently or under direct authorization from Alexander Afanaschenko, initiated efforts to remove adverse online content, including potentially fraudulent DMCA takedown requests. We will extend an opportunity to Alexander Afanaschenko to provide details regarding their communications with the agency or expert, as well as the identification of the individual(s) responsible for executing these false DMCA notices.
Failure to respond in a timely manner will necessitate a reassessment of our initial assumptions. In such an event, we will be compelled to take appropriate legal action to rectify the unlawful conduct and take the following steps –
Inform Google about the fraud committed against them.
Inform the victims of the fake DMCA about their websites.
Inform relevant law enforcement agencies.
File counter-notices on Google to reinstate the ‘removed’ content.
Publish copies of the ‘removed’ content on our network of 50+ websites.
By investigating the fake DMCA takedown attempts, we hope to shed light on the reputation management industry, revealing how Alexander Afanaschenko and companies like it may use spurious copyright claims and fake legal notices to remove and obscure articles linking them to allegations of fraud, tax avoidance, corruption, and drug trafficking...
Since Alexander Afanaschenko made such efforts to hide something online, it seems fit to ensure that this article and our original review of Alexander Afanaschenko, including but not limited to user contributions, remain a permanent record for anyone interested in Alexander Afanaschenko.
A case perfect for the Streisand effect...
Potential Consequences for Alexander Afanaschenko
Under Florida Statute 831.01, the crime of Forgery is committed when a person falsifies, alters, counterfeits, or forges a document that carries “legal efficacy” with the intent to injure or defraud another person or entity.
Forging a document is considered a white-collar crime. It involves altering, changing, or modifying a document to deceive another person. It can also include passing along copies of documents that are known to be false. In many states in the US, falsifying a document is a crime punishable as a felony.
Additionally, under most laws, “fraud on the court” is where “a party has sententiously set in motion some unconscionable scheme calculated to interfere with the judicial system’s ability impartially to adjudicate a matter by improperly influencing the trier of fact or unfairly hampering the presentation of the opposing party’s claim or defense.” Cox v. Burke, 706 So. 2d 43, 46 (Fla. 5th DCA 1998) (quoting Aoude v. Mobil Oil Corp., 892 F.2d 1115, 1118 (1st Cir. 1989)).
Is Alexander Afanaschenko Committing a Cyber Crime?
Yes, it seems so. Alexander Afanaschenko used multiple approaches to remove unwanted material from review sites and Google’s search results. Thanks to protections allowing freedom of speech in the United States, there are very few legal ways to do this. Alexander Afanaschenko could not eliminate negative reviews or search results that linked to them without a valid claim of defamation, copyright infringement, or some other clear breach of the law.
Faced with these limitations, some companies like Alexander Afanaschenko have gone to extreme lengths to fraudulently claim copyright ownership over a negative review in the hopes of taking it down.
Fake DMCA notices have targeted articles highlighting the criminal activity of prominent people to hide their illegal behavior. These people, which include US, Russian, and Kazakhstani politicians as well as members from elite circles including the mafia and those with massive financial power, are all connected – and alleged corruption ranging from child abuse to sexual harassment is exposed when exploring evidence found at these URLs. It appears there’s a disturbing level of influence being exerted here that needs further investigation before justice can be served. Alexander Afanaschenko is certainly keeping interesting company here….
The DMCA takedown process requires that copyright owners submit a takedown notice to an ISP identifying the allegedly infringing content and declaring, under penalty of perjury, that they have a good faith belief that the content is infringing. The ISP must then promptly remove or disable access to the content. The alleged infringer can then submit a counter-notice, and if the copyright owner does not take legal action within 10 to 14 days, the ISP can restore the content.
Since these platforms are predominantly based in the U.S., the complaints are typically made under the Digital Millennium Copyright Act (DMCA), which requires online service providers and platforms to react immediately to reports or violations. Big Tech companies rarely have systems in place to assess the merit of each report. Instead, all bad actors need to do is clone a story, backdate it, and then demand the real thing be taken down.
Reputation Agency’s Modus Operandi
The fake DMCA notices we found always use the “back-dated article” technique. With this technique, the wrongful notice sender (or copier) creates a copy of a “true original” article and back-dates it, creating a “fake original” article (a copy of the true original) that, at first glance, appears to have been published before the true original.
Then, based on the claim that this backdated article is the “original,” the scammers send a DMCA to the relevant online service providers (e.g., Google), alleging that the “true” original is the copied or “infringing” article and that the copied article is the “original,” requesting the takedown of the “true” original article. After sending the DMCA request, the person who sent the wrong notice takes down the fake original URL, likely to make sure that the article doesn’t stay online in any way. If the takedown notice is successful, the disappearance from the internet of information is most likely to be legitimate speech.
How did Alexander Afanaschenko purport this DMCA Fraud?
As an integral part of this scheme, the “reputation management” company hired by Alexander Afanaschenko creates a website that purports to be a “news” site. This site is designed to look legitimate at a glance, but any degree of scrutiny reveals it as the charade it is.
The company copies the “negative” content and posts it “on the fake ‘news’ site, attributing it to a separate author,” then gives it “a false publication date on the ‘news’ website that predated the original publication.
The reputation company then sent Google a Digital Millennium Copyright Act notice claiming the original website infringed copyright. After a cursory examination of the fake news site, Google frequently accepts the notice and delists the content.
In committing numerous offences, Alexander Afanaschenko either premeditated actions or were unaware of the consequences. Despite hiring an agency to make Google disregard any negative information about Alexander Afanaschenko, ignorance does not excuse this wrongdoing.
The Reputation Laundering
Rogue Reputation agencies use spurious copyright claims and fake legal notices to remove and obscure articles linking clients to allegations of tax avoidance, corruption, and drug trafficking. Most of these reputation agencies are based offshore, mainly in Russia, India, and Eastern Europe, and they do not worry about complying with US-based laws.
The content in all of the articles for which the fraudulent DMCA notices have been sent relates to allegations of criminal allegations, including corruption, child abuse, sexual harassment, human trafficking and financial fraud against businesses and individuals with ultra-high net worth.
In addition to the misuse of the DMCA takedown process, there is a notable absence of enforcement concerning perjury violations. The statutory requirement related to perjury is designed to deter copyright holders from submitting fraudulent or knowingly false takedown requests, as they may face legal consequences for making false declarations under penalty of perjury. However, to date, there have been no known instances of any individual being prosecuted for perjury in connection with the submission of false DMCA takedown notices.
This lack of enforcement has emboldened copyright holders to exploit the DMCA takedown process to suppress dissent, criticism, or other unfavorable content, without fear of legal repercussions.
Not In Good Company
Some of the people and businesses who have employed this tactic to remove legitimate content from Google illegally include a Spanish businessman-turned-cocaine-trafficker, Organised crime, an Israeli-Argentine banker accused of laundering money for Hugo Chávez’s regime, a French “responsible” mining company accused of tax evasion, child molesters and sexual predators. Alexander Afanaschenko is in great company ….
Ironically, the manipulation tactics used to remove public-interest information from the Internet are backfiring on Alexander Afanaschenko, which is now associated with the worst of this world.
Here are some of the specimens that share the internet space with Alexander Afanaschenko
Miguel Octavio Vargas Maldonado
Miguel Octavio Vargas Maldonado appears to be the former foreign affairs minister of the Dominican Republic. His name is listed next to more than 500 links to news articles, blogs, social media posts, and YouTube videos targeted for removal or de-indexing. Many of the articles refer to questions over his political fundraising practices. They include accusations that Vargas had received donations from an individual who would later be convicted of drug trafficking. Some targeted links remain active, while others return 404 errors or “file not found.”
José Antonio Gordo Valero
José Gordo joined OneCoin in 2015 and has been named in an indictment for the OneCoin scam in Argentina. The articles listed next to Gordo’s name in the documents reviewed by Rest of World include references to his role at the company.
Diego Adolfo Marynberg
He appears to be the same Marynberg connected to funding right-wing causes, including settlement efforts in Israel. Reports also alleged that his company received preferential treatment in acquiring Argentinian bonds worth millions of dollars. More than 70 URLs appear next to Marynberg’s name in the documents, including pages from the Israeli newspapers The Times of Israel, Haaretz, and Clarin, one of Argentina’s most prominent news sites.
Majed Khalil Majzoub
Majed is an influential businessman with close ties to several governments, including the administration of Venezuelan president Nicolás Maduro. Majzoub’s name appears next to more than 180 URLs, mostly from independent outlets. Of the two URLs that pointed to articles from Germany’s Der Spiegel, one now returns an error message; the other, which appears to refer to relations between Venezuela and Colombia, directs to an unrelated story about Brexit.
Frequently Asked Questions
Did Alexander Afanaschenko commit a cyber crime? Yes, filing a fake DMCA notice is illegal. The Digital Millennium Copyright Act (DMCA) allows copyright holders to issue takedown notices to protect their works from unauthorized use online. However, submitting a false DMCA notice can result in legal consequences.
Under the DMCA, a person knowingly submitting a false copyright claim can be subject to penalties, including damages. DMCA notices require the filer to certify, under penalty of perjury, that the content infringes their copyright. If the notice is found to be fraudulent or made in bad faith, the filer can face.
What are the potential consequences for Alexander Afanaschenko?
Civil lawsuits: The affected party can sue for damages, legal fees, and other costs.
Perjury charges: False certification in a DMCA notice can result in perjury-related penalties, which vary by jurisdiction.
Other legal penalties: Fines or other penalties depending on the case
Did Alexander Afanaschenko commit a Civil or a Criminal offense? Perjury is a criminal offense, not a civil crime. It involves intentionally lying or making false statements under oath, typically in a court of law or other legal proceedings, such as affidavits or depositions.
Criminal charges: Perjury is prosecuted as a criminal act, and a conviction can lead to fines or imprisonment, depending on the severity of the false statement and its impact on the case.
Felony status: In many jurisdictions, perjury is classified as a felony, which carries more severe penalties than misdemeanor offenses.
So, while it may affect civil cases, the crime of perjury itself is strictly criminal.
What is the Streisand effect? The key idea behind the Streisand effect is that efforts to restrict information can backfire, often exposing the information to gain more attention than it would have otherwise. This effect is widespread in the digital age, where users quickly notice and spread censorship attempts on social media and other platforms.
Trying to suppress something can unintentionally lead to it becoming more visible.
Can Alexander Afanaschenko purge his Digital past? Once information is uploaded to the internet, it can be replicated, shared, archived, or copied across online platforms. If Alexander Afanaschenko manages to delete the original post or file, copies may remain accessible in other places, such as web archives, screenshots, or other users’ storage.
In practice, completely erasing content from the internet can be extremely difficult due to how widely information can spread and be stored. Thus, the idea that “the Internet never forgets” reflects the challenges of entirely removing digital content once it has been shared.
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topcarinsurance · 5 months ago
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Benefits Of Car Insurance
Understanding the significance of car insurance is vital for every vehicle owner. With so many options available you must find a policy that will meet your needs. If you're seeking the most affordable insurance or a comprehensive one knowing the different kinds of coverage and what they offer could make a significant difference. Liability coverage is usually the minimum requirement under law however it might not be enough to provide full protection. Collision and comprehensive insurance offer greater coverage, but at more expense. It is important to weigh these options carefully in comparing policies of different insurance companies. In the search for the most suitable car insurance, it's a good option to compare policies from several companies. For instance, an insurance quote from one company may not contain options that another provider offers at a comparable price. This is why comparing top car insurance companies is essential. If you're searching for additional info on car insurance ireland, go to the earlier mentioned website.
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These companies are well-known by their dependability, client service as well as their extensive coverage options. Through comparing different car insurance companies, you'll find a policy which balances price with the coverage you need. Some individuals also include home insurance and auto policy to get discounts. Commercial drivers have additional elements to take into consideration when selecting van insurance. For business owners who own commercial vehicles, comparing commercial van insurance can ensure that the vehicle is adequately insured in the event of an accident or damages. A commercial van insurance comparison is an excellent tool to find out which insurer gives the best coverage at the lowest cost. The process of obtaining a reliable van insurance quote involves analyzing more than just the price elements like the extent of coverage along with deductibles, as well as any additional services can also contribute to making the right choice. Homeowners should also check the home insurance policies on a regular basis.
Just like auto insurance it's crucial to choose the cheapest insurance that doesn't sacrifice coverage. Whether you're renting or owning your home having a dependable homeowners insurance plan is crucial. This kind of insurance covers potential damages from natural events, theft and other unforeseen incidents. By comparing different insurance companies can help you select the perfect policy that is suitable for your budget and home. Bundling home and auto insurance can often result in savings, making it an appealing option for many. Ultimately, when selecting the best car insurance in the end, focusing on longevity of the benefits is important. Selecting the best car insurance may seem expensive initially, but often includes perks like assistance with roadside emergencies and speedier claims processing. With the number of insurance companies for cars insurance companies available it's essential to do research. An excellent place to start is to collect the quotes of several car insurance providers and comparing coverage options, deductibles and reviews from customers. Whether you're looking for the least expensive insurance or the most comprehensive, deciding on an appropriate balance between cost and coverage is a sure way to protect yourself while driving.
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carrentalairports · 5 months ago
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Discovering Ireland with Car Rentals from Dublin Airport
Ireland is a beautiful country with a rich tapestry of history, culture, and stunning landscapes. One of the best ways to explore it all is by renting a car from Dublin Airport. The convenience of picking up a rental car upon arrival allows visitors to quickly embark on their adventure through the Emerald Isle.
Convenience and Flexibility
Upon arriving at Dublin Airport, the option to rent a car offers unmatched convenience and flexibility. With a rented vehicle at your disposal, you can travel at your own pace, explore hidden gems off the beaten path, and tailor your itinerary to suit your preferences. This level of autonomy can be incredibly rewarding, as it enables travelers to fully immerse themselves in the Irish experience.
Exploring the Emerald Isle
Dublin Airport serves as a gateway to the many wonders that Ireland has to offer. From the vibrant streets of Dublin to the majestic cliffs of Moher, having a rental car allows for seamless exploration of both urban centers and rural landscapes. Whether you want to visit historic sites, venture along the Wild Atlantic Way, or simply take in the breathtaking scenery, having a car at your disposal facilitates a truly authentic and rewarding Irish adventure.
Choosing the Right Rental Service
When selecting a car rental service at Dublin Airport, it is essential to consider factors such as pricing, car selection, insurance coverage, and any additional fees that may be involved. Researching different companies and reading reviews can help you make an informed decision. It is also important to ensure that the chosen rental agency has a convenient pick-up and drop-off process at Dublin Airport, as this will streamline your travel experience.
Navigating Irish Roads
It's important to be aware that driving in Ireland follows the left-hand side of the road, and some roads in rural areas may be narrower than what visitors are used to. However, with a bit of caution and familiarity with Irish driving regulations, navigating the country by car can be a rewarding experience. It's also advisable to utilize GPS or mapping apps to aid navigation and ensure a smooth journey.
Final Thoughts
Renting a car from Dublin Airport opens up a world of possibilities for exploring Ireland. The freedom and flexibility that comes with having your own transportation allows for a more immersive and personalized travel experience. With careful planning and consideration, renting a car can elevate your journey and provide you with the opportunity to create unforgettable memories in one of the most enchanting destinations in Europe. So, if you're visiting Ireland, consider starting your adventure right from the moment you land at Dublin Airport with a rental car, and get ready to embark on an unforgettable exploration of the Emerald Isle.
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automotiveexecution · 6 months ago
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Enhancing Vehicle Security with Car GPS Trackers: A Focus on Car Tracking in Ireland
In today’s world, ensuring the security of your vehicle has become more important than ever. One of the most effective tools for this purpose is a "car gps tracker." These devices utilize satellite technology to provide real-time location information about your vehicle, offering peace of mind and enhanced security. A car GPS tracker can be particularly valuable in various situations, from recovering a stolen vehicle to monitoring driving habits.
In Ireland, the demand for "car tracker ireland" services has been on the rise, reflecting a growing awareness of vehicle security and management. Car trackers in Ireland are designed to meet local needs, offering features that cater to both individuals and businesses. With advancements in technology, modern car trackers provide detailed insights into your vehicle’s location, movement, and even potential issues like unauthorized use.
When exploring options for car trackers in Ireland, it's essential to consider the range of "car trackers ireland" available in the market. These devices come with various features, including real-time tracking, geofencing, and historical data. Real-time tracking allows you to see the precise location of your vehicle at any given moment, while geofencing can alert you if your car moves outside of predefined areas. Historical data helps you review past movements, which can be useful for analyzing driving patterns or for insurance purposes.
Car tracking technology has evolved significantly over the years. Today’s car GPS trackers are compact, easy to install, and come with advanced functionalities. Many devices offer smartphone compatibility, enabling you to monitor your vehicle’s status through an app. This convenience is especially beneficial for busy individuals who need to keep tabs on their car’s location and safety from anywhere.
The benefits of car tracking extend beyond just security. For businesses with fleets, car trackers can optimize logistics by providing insights into vehicle usage, driver behavior, and route efficiency. This can lead to better resource management, reduced fuel costs, and enhanced overall operational efficiency. In Ireland, many companies are leveraging car trackers to streamline their fleet operations and improve their service delivery.
For personal use, car GPS trackers offer reassurance against theft. If your vehicle is stolen, having a tracker installed increases the chances of recovery by providing law enforcement with accurate location data. This added layer of protection can be invaluable, giving you a sense of security whether you’re at home or traveling.
Moreover, car tracking can also contribute to better driving habits. Some trackers provide feedback on driving behavior, such as speed and braking patterns. This information can be useful for improving driving skills and ensuring that you or your family members adhere to safe driving practices.
In conclusion, the integration of a car GPS tracker into your vehicle’s security system provides numerous advantages. In Ireland, the availability of car trackers tailored to local needs enhances vehicle protection, optimizes fleet management, and supports better driving practices. Whether for personal security or business efficiency, investing in a reliable car tracker is a proactive step towards safeguarding your vehicle and maximizing its performance. As technology continues to advance, the role of car tracking in ensuring vehicle safety and management will only become more significant.
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mandelaprofessor · 6 months ago
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rajanreddy · 7 months ago
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Electric Kick Scooter Market to Exceed USD 8,021.5 Million by 2033
The global Electric Kick Scooter Market is projected to grow at a CAGR of 11.7% during the forecast period. The sales of electric kick scooters are anticipated to surpass USD 2.7 Billion in 2023. The value of the electric kick scooter market is anticipated to reach a high of USD 8.2 Billion, by the year 2033.
A key aspect surging the sales of electric kick scooters is the growing carbon emissions from fuel-powered automobiles that have been a major source of concern for governments around the globe. Electric transportation choices such as electric scooters are likely to grow more popular as regulatory authorities focus on smart city development, but at a slower rate than passenger vehicles/buses. These scooters are ultra-quiet, which makes them a great alternative for towns looking for answers to the mounting issue of noise pollution.
Request For a Sample of Market Research: https://www.futuremarketinsights.com/reports/sample/rep-gb-13574
While customers in Latin America, the Middle East, Africa, and Asia Pacific regard electric kick scooters as a mode of short-distance transportation, consumers in North America and Europe see them as a lifestyle choice.
To keep consumers, vendors emphasize features such as longevity, low maintenance costs, and performance. As a result, suppliers concentrate on developing technologically superior cars that consider design/style, range, and speed parameters. OEMs are likely to be able to extend their income stream and geographical footprint as governments throughout the world invest in charging infrastructure and give customer incentives.
Owing to their compact size and simplicity of transportation, electric kick scooters are in high demand globally. As a result, rising traffic congestion throughout the world is increasing market demand for electric scooter-sharing services. As of February 2021, the Irish Minister of Transport, Eamon Ryan, has legalized the use of electric kick scooters on public roadways in Ireland without the requirement of a tax, insurance, or a driver's license.
Furthermore, governments throughout the world are offering tax breaks and incentives to encourage the use of electric kick scooters and ecologically friendly autos. For instance, the Indian government announced in June 2019 a plan to decrease the goods and services tax (GST) on electric cars from 12 to 5% to stimulate faster adoption.
However, one of the issues likely to hinder the growth of the electric scooter-sharing industry is the demand for batteries with extended range, rapid charging, and long lifespan. Improvements in riding range can be made feasible by introducing advancements in battery technology, which is anticipated to raise the production cost of electric motors, providing a hurdle to their acceptance.
Key Takeaways from the Electric Kick Scooter Market:
During the forecast period, the U.S. is estimated to account for a significant share of the global electric kick scooter market. This is attributed to the high demand for electric kick scooters amongst American consumers which are engineered to be the most durable and powerful form of mobility.
During the forecast period, the Asia Pacific electric kick scooter market is expected to have the highest share, led by China and Japan. This is owing to the regional players representing a culmination of continual product development and user experience and providing stylish, practical, and economical transportation. These scooters are therefore available in a range of body shapes, sizes, and colors to accommodate every rider.
Owing to its ability to minimize pollution and transportation congestion, along with its portability, the "two-wheeled" product type is expected to hold the greatest revenue, through the forecast period.
As it does not need to be serviced frequently and has a charging capability of up to 70W with a short charging time, the "lithium-ion” battery type, accounts for a significant share and is the most lucrative segment for key players.
Who is Winning?
Owing to the existence of both international and local players, the global electric Kick scooter market is fragmented. Many manufacturers hold a significant market share in their respective areas. Organic advances, such as product approvals and novel electric kick scooter services, are typically extensively embraced by large organizations. These factors are expected to increase the global electric kick scooter market size.
Key Players:
        Micro Mobility Systems AG
        Golabs Inc.
        Bird Rides Inc.
        Segway Inc.
        IconBIT Limited
        GOVECS AG
        Razor LLC
        Xiaomi Corporation
        YADEA Technology Group Co. Ltd.
        AKTIVO Scooter
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omurchumakes · 8 months ago
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Moto Money Matters
Last week I discussed the saga of Chromie the motorbike and he exhasperated owner, your amicable author. This week I want to get into the details of how much it cost to go from knowing nothing about motorbikes to owning, running and maintaining a motorcycle in Ireland in 2024. This also dovetails nicely into another one of my obsessions…hobbies…(fixations)….nevermind.
Lets. Talk. Spreadsheets. Don’t click away these are useful!
There’s two ways to break down the costs of owning an asset, the capital cost (the buying of the thing) aka, capex, and the running of the thing opex. This includes maintenance and upkeep and any consumables you need for these two buckets of cash. For the motorbike, I’m going to put everything into these two buckets: (I’d put a table here if squarespace wasn’t garbage). I’m also adding in all the training you have to pay for to legally use a bike in Ireland.
CAPEX
RSA Theory book - €19.99
RSA Practice App - €14.99
Theory test - €35.00
Learner permit application fee - €35.00
Initial Basic Training Course - €620.00
A brief note at this point we are € 723.99 laid out and have covered SOME of the legal requirements to ride in Ireland
Driving test application fee - €85.00
Safety gear
Helmet - €300.00
Jacket - €440.00
Hi-viz learner tabard - €30.00
Back Armour - €30.00
Boots - €145.00
Pants - €50.00
Gloves - €0.00 (kindly donated by a mate of mine)
Insurance (Principle) - €996.17
Motorbike itself - €5900.00
Tax - €88.00
Security -
Disk Locks x2 - €143.36
GPS tracker - €31.00
Heavy duty chain - €0.00 (donated)
Armadillo shelter - €261.51
GRAND TOTAL: €9369.04
Training costs: €950.95 that is provided I don’t fuck up the driving test in future). There is also a fee to apply for the full driving licence, probably another €35 so lets call it an even €986. Just to learn to ride and test, and have a licence.
Now if you take the bike itself out you get a total cost of €3469.04, that’s a damned high cost of entry. Now places where I could have saved: in hind sight I could have gotten a cheaper jacket, and also cheaper helmet, however that Shark helmet was discounted over €400 off. Also the back armour is questionable how effective it is, that being said my IBT instructors advised to get it and wear it all the time. I did get second hand trousers and could have gotten most of the clothing that way but I wanted to have some nicer things or at least know the quality was good. Being a total novice I trusted the dudes in the shop, and so far I’ve no complaints at all.
Also a huge shout out to my mate who donated a pile of old gear to me, those gloves and the chain saved me at least €200.
OPEX
I promised spreadsheets and I’ll get there, keep your jets cool. One of the reasons for getting the bike was to save some money on the cost of commuting, namely that motorbikes are much more fuel efficient than cars. Which makes sense Chromie weighs about 210kg and has a 650cc engine, while the car Minty weighs a tonne with a 1200cc engine. So the car is 5 times heavier and only double the engine capacity. (motor nerds don’t @ me this is illustrative only). Basically the bike is hauling a whole lot less weight than the car, thus uses the fuel more efficiently.
We used to measure efficiency in cars/bikes in Miles per Gallon (MPG) but that’s archaic, american/english focused and in my opinion dumb. I will provide it here because its a language petrol heads everywhere understand. The metric version of this metric is Kilometers per Liter, which is an easy conversion however not intuitive at all, and my car efficiency is actually presented (in the dash) in Liters per 100 Kilometers. So I calculate and plot that.
I track essentially four core pieces of information:
Date of filling
Price of fuel
Total cost of the fill
Odometer reading
From this everything else flows. We convert the price and total cost back into litres you put into the tank. From the Odo reading we know how far the last tank fill got us, so now we know km travelled and the liters put into the tank. So you can use those two pieces of intformation to get km/L, or MPG, or L/100km.
So Chomie fuel efficiency average comes out at 27.21 km/L, or 3.74 L/100km or 77.32 MPG. So far. It usually goes up over the lifetime of owning a vehicle as I learn how to drive more efficiently. But wait, what if we graphed it?
Say no more:
But why graph it against distance driven you may ask? Well what if we had data for other vehicles? What if someone was obsessed enough to track every fuel purchase he’s ever made over three different vehicles and then plot them all together? Well, it might, look something like this:
Obviously my efficiency was garbage when I started learning how to drive in Swampy (she leaked like a sieve and was constantly damp), Minty is a newer model of the same car and I have a few years experience driving economically now. But the stand out point is even given the messiness in the data, Chromie is a hell of a lot more fuel efficient. Almost 30% more efficient over the same cumulative distance driven. If Chromie clusters around the 30 km/L mark we should be able to calculate a payback period. Engineer Time: We assume a fixed petrol price (definitely not realistic) of 1.78 €/L, annual kilometerage (mileage) of 12000 km which, coupled with our total investment cost from above:
Ok so dissapointing but anyway, what other interesting tidbits can we glean from my OCD data collecting habits? How about historic fuel prices? Would you data hungry readers care to see that hmmm? Fear not ya boy got you covered:
See up and to the right, that’s good right? Well no that’s very fucking expensive is what it is, notice during the pandemic the price drops then magically as we come out of the pandemic, prices just climb fucking mentally high and just sit there. Also in the most recent data (furthest to the right) is slightly depressed as I have a fuel card which gives me 3c off a liter in Circle K. Hold up, don’t we have data on where and the brand that we put into our tank? We do, and I also aggregate that, because, well I’m good at spreadsheets and equations. (don’t fucking judge me, you’re still here reading, nerd). Anyhow, here’s fuel price by location and brand. Not normalised for the number of fills, I collected my data, I’m not a data scientist goddamnit.
There is very little difference in locations or between brands. There is way more data for Blessington and CircleK, I can declare that much but really there is little in it. If we add the 3c back into the Circle K data it becomes one of the more expensive options, aligning with all the other brands. But for now below is the entire workbook for you to peruse.
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