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Sorry Tribesman,, I threw out the FO letter. Have a look at the T&Cs from your insurer and see what it says in regard to NCD. In my case (123/RSA at the time), it said almost nothing. My memory is that FO upheld my complaint because the insurer did not spell out that they could increase the...

I have completed a personal probate and received the grant of representation. Next step is CAT filing, and I am wondering if I should get help. It seems straightforward. The disponer has one property (share in residence) and savings. The property (no cash) is going to Person A, a sibling who...

Thanks sunnydonkey. I contacted internaxx, but they require the shares to be transferred to them, a process I don't want to do (takes up to two months apparently). Shares are in an Australian registry, so I am hoping to find a broker there. So far no luck, but will post here if I find one.

I previously used CMC Markets to sell some Australian shares, but they say they will no longer deal with non-residents. Does anyone know any broker in Australia that will? Thanks! D

Indeed that is the point. Even if you pay for NCD protection, the insurer can find other ways to bump up your premium after a claim, as I and the OP found. Those in the industry might recognise the reality of NCDs, but for the average consumer (like me), when you pay for protection, and then...

Policy simply says "Full Protected NCD =Yes" and indicates the extra payment for "Full Bonus Protection". Then, in their terms they assert that "all discounts are subject to a minimum premium". This allows them to magic up any figure they want as "minimum premium". if it happens to be double...

MrEarl I recommend you make a complaint to the Financial Ombudsman (after exhausting your complaint with the insurer). In a similar situation, I did this, and won my case. Unfortunately the compensation does not justify the amount of effort involved. The insurers have staff paid to deal with...

The offer was £3225 which is €4000. Yes the car is at a garage in the UK. I think what you suggest is what I will try ... I guess there are pitfalls. My Irish insurer could just say they failed to get full reimbursement, so goodbye to my excess and NCB? You can tell I don't trust insurance...

Against the insurance company or the insured? Thanks for the comments. They offered £3225. I explained to them what I'd found online, that there's a smaller pool of cars in Ireland, used cars are more expensive etc. They said they'd look again, called back and didn't change it by a penny...

During a visit to the UK, our unoccupied car was hit while parked. No question about liability, the other party's insurer accepted liability and arranged a hire car to get us home. Now the problems start. The UK insurer says the car is beyond economic repair. They phoned and offered €4000...

Hope it's ok to post a follow up question here, instead of a new thread... I'm in a similar position to the OP. As a one-man company, I'm not eligable for CT exemption, as there is no employer PRSI. At the year end, if there is a profit, is it allowable/sensible to just pay it out to myself as...

Thanks for the responses, I was just looking for confirmation that I'm not missing something major. Thank's for the info re Employer PRSI, I was not aware of that. I am a propritory director, so at least that means there is no great differnce on the tax side. D

I do IT consulting, and have no other source of income. Up to recently, I operated as a sole trader, registered for VAT only, and doing a Form 11 for tax. Now, I have set up a Ltd company (no employees, just me). From reading the posts here, it seems that, from a tax point of view, I may be...

Ove the years we've paid around €300 to insure a small 1850's holiday home, but this year it's been hiked to over €400. I have been looking around and many insurers will not quote for holiday homes, or houses built before a certain date. Can anyone recommend a broker or insurer who might...

This is the reply I received from the IRS. In short: W-9 wrong, W-8BEN correct. Thank you for your inquiry. We apologize for the delay in our response. Yes the United States and Ireland have entered into a tax treaty to avoid double taxation. You can find the treaty along with a technical...

OP The answer, I found, is to use a service like currency.ie. I have used them a couple of times, no problems. The most efficient way is to ask them for their australian bank details, and then do an online transfer from your australian bank to their australian bank, in A$. If you try to do a...

Legend No visa or agency - I am Irish citizen & taxpayer, doing the contract from Ireland, no reason to visit the US. So far, I think I just have to submit a W-8BEN, and will not be subject to US taxes. I have a query in to the IRS and waiting to hear. I will post back here when it is all...

Thanks WS. I've used the W8 before, for online stock accounts, but I'm not sure if it applies beyond that. There seem to be some variations on the form, I will read into it more. I have been trawling the US revenue site, and one thing is for sure, I will never ever complain about the complexity...

Hello I'm an Irish citizen and resident about to work on a contract for a US company. I don't have a US bank account or SSN. They have asked me for a form W9 to get set-up for payment. From a search I think I actually need to provide a form W-8, as I'd not be liable for US tax, but I'm not...

Thanks Brendan, that is helpful.