Insurers must explain spiralling premiums

‘If you’ve been involved in an accident and it wasn’t your fault, you may be entitled to compensation.”

So go the opening lines of a cottage industry of insurance claims advertisements, which have become so familiar that we’ve almost forgotten the key clause in that statement: “and it wasn’t your fault”.

Therein lies the rub for the current, and it must be said fevered, debate over so-called compo culture in Ireland: if your ...