A list of the main recommendations made in the Motor Insurance Advisory Board report
• A review of the current system of unsupervised driving by provisional licence holders.
• Consideration be given to the introduction of road safety and driver education syllabus in schools.
• The sanctions for "flagrant breach of compulsory insurance obligations" should be fines at a level more consistent with premium charges and should provide for vehicle confiscation.
• Court procedures for personal injury litigation should be radically reviewed.
• Stringent measures should be introduced to tackle fraudulent and exaggerated claims with loss of all compensation entitlements and appropriate criminal sanctions.
• The system of lump sum compensation payments be reviewed on the basis that the long- term needs of the seriously injured may be better served by guaranteed annual payments.
• A system should be introduced to facilitate pre-trial interim payments to the seriously injured in cases where liability is not a substantial issue.
• That the Court Bill 2001 be amended so as not to increase the current financial limits of the courts.
• All advertisements by solicitors should state that a lawyer is not permitted to seek a percentage of a claimant's compensation.
• Insurers who offer motor quotations under a number of business names be required to state the identity of the insurance group.
• The number of refusals required under the existing Declined Cases Agreement be reduced from five to three.
• The Competition Authority should be duty bound to review all further insurance mergers.
• The Irish Financial Services Regulatory Authority, when established, should gather statistics on motor insurance premium and claims costs by driver profile. It should supply regular statistics on motor premium differentials to the Equality Authority.
• A statutory office of insurance ombudsman be established to deal with issues such as quotation refusals.