National Claims Information Database figures show effectiveness of Personal Injuries Guidelines
The Minister of State with responsibility for Financial Services, Credit Unions and Insurance, Robert Troy, has today welcomed the publication of the National Claims Information Database (NCID) Private Motor Insurance Mid-Year Reports (covering H1 2025 developments).
The latest NCID data highlight that 85 percent of all personal injury claims are now being resolved under the Personal Injuries Guidelines, marking a clear and decisive shift away from the Book of Quantum system.
The data confirms that smaller litigated claims settled under the Guidelines attract lower compensation costs than comparable claims assessed under the Book of Quantum, underscoring the effectiveness of the Guidelines in delivering more consistent and proportionate awards.
The findings of the reports further reaffirm the central role of the Injuries Resolution Board as the State’s most efficient and cost effective pathway for settling personal injury claims. Awards issued through the Board are broadly in line with those achieved through litigation, yet are delivered in almost half the time and with a fraction of the associated legal costs.
By avoiding the delays and expense of court proceedings, the Board reduces overall claim costs and shortens settlement timelines; efficiencies that should ultimately help ease pressure on premiums and deliver better value for consumers.
Affordability, however, remains a challenge. The report outlines that the average written premium in H1 2025 rose to €655, representing a 4 percent increase from 2024, but over a third lower than the 2016 peak.
Commenting on the report, Minister of State Robert Troy said:
“I welcome today’s publication of the NCID mid-year reports, which provide essential transparency in the insurance market. The data demonstrates that the Government’s reform agenda, particularly the role of the Injuries Resolution Board and the Personal Injuries Guidelines, is delivering lower and more predictable injury claims costs.
However, insurers must ensure these savings are fully reflected in motor insurance premiums. Similarly, continued growth in legal costs in litigated cases is also notable, particularly given that claimants receive comparable levels of compensation through the Injuries Resolution Board.
Greater transparency remains a core priority, and the Government’s new Motor Insurance Transparency Code, published earlier this month, will further improve consumer understanding of premium formation. The Department of Finance continues to work with the sector to ensure the quick implementation of the Code.”
The Central Bank of Ireland has today (Tuesday, 31 March 2026) published the Private Motor Insurance Mid-Year Reports (covering H1 2025 developments).
The NCID is a repository that stores information on the cost of non-life insurance claims. The Central Bank of Ireland is responsible for collecting the information and managing the NCID under the Central Bank (National Claims Information Database) Act 2018.
The purpose of the NCID is to improve transparency around the cost of settling claims, and the impact this has on the cost of insurance. It achieves this by storing claims data at a greater level of detail than in the past. This enables better analysis and improved decision-making in relation to the cost of insurance.