FAQs about the National Claims Information Database

The National Claims Information Database (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.

Aggregate data is collected from insurers, including premiums and claims data. This data allows the Central Bank to publish reports and data sets containing analysis of the cost of claims, the cost of premiums and the costs of settling claims.

The purpose of the NCID is to improve transparency around the claims environment in the non-life insurance sector. This enables better insight and improved decision and policy making in relation to the cost of insurance.

The NCID stores aggregate data from insurers, including premium, policy and claims data. The data specifications can be accessed on the NCID section of the Central Bank website.

No. The NCID is not designed to be a publicly accessible claim-by-claim level database.

No. The NCID does not contain any personally identifiable data on claimants or policyholders.

Private motor insurance was identified as the first class of insurance data to be included in the NCID. Employers’ Liability, Public Liability and Commercial Property Insurance was subsequently added as the second class of insurance data, with data collection started in Q4 2020.  

The Central Bank publishes annual and mid-year reports on Private Motor insurance and Employers’ Liability, Public Liability and Commercial Property insurance.

Any insurance firm providing insurance services in the Republic of Ireland for in-scope classes of non-life insurance is obliged to submit data to the NCID. This includes firms providing insurance services domestically or on a Freedom of Establishment basis from within Ireland, as well as firms providing insurance on a Freedom of Services basis who are “passporting” in from outside Ireland.

Information on the submission requirements and reporting templates for Private Motor Insurance and Employers’ Liability and Public Liability Insurance can be found on the NCID section of the Central Bank website.

The Bank may send to a relevant insurance undertaking one or more levy notices specifying, for the relevant levy period:

1. One or more dedicated levy contributions assessed by the Bank to be payable by that insurance undertaking.
2. The due date for payment of each such dedicated levy contribution.

The amount of the levy for each relevant insurance undertaking for a specified category of relevant non-life insurance business shall comprise the sum of a minimum amount and a variable amount.

A relevant insurance undertaking shall pay a minimum amount of €500 in respect of the specified category of relevant non-life insurance business.             

How is the variable amount calculated for an individual insurance undertaking?

In addition to the minimum amount, a relevant insurance undertaking shall pay a variable amount in respect of the specified category of relevant non-life insurance business, calculated as follows:

(A / B) * (C – D)

Where:

A = Gross earned premium of that insurance undertaking in the data reference period in respect of the specified category of relevant non-life insurance business, as confirmed to the Bank by the insurance undertaking as part of the data collection process.

B = Total gross earned premium for all relevant insurance undertakings in the data reference period in respect of the specified category of relevant nonlife insurance business, as confirmed to the Bank by relevant insurance undertakings as part of the data collection process.

C = Total levy expenses accrued by the Bank and attributed to the relevant levy period and specified category of relevant non-life insurance business.

D = Aggregated minimum amount for all relevant insurance undertakings for the relevant levy period in respect of the specified category of relevant non-life insurance business.

A Levy notice will be issued specifying a due date and the relevant insurance undertaking shall pay to the Bank a dedicated levy contribution on or before the due date.

A relevant insurance undertaking shall pay a dedicated levy contribution by cheque, direct bank transfer or equivalent electronic transfer of funds to a bank account specified by the Bank, or as is otherwise specified by the Bank. Queries in relation to payment methods can be sent to [email protected].

A relevant insurance undertaking may, no later than 21 days following a due date, submit an appeal under the levy Regulations in respect of a dedicated levy contribution payable by it.

1. The insurance undertaking shall set out in writing the grounds of any appeal made and include supporting documentation. The contact details for the appeal notice are included in the Levy Notice. 
2. The Central Bank of Ireland may, at its discretion, waive or reduce a dedicated levy contribution, or part thereof, in exceptional circumstances on foot of an appeal. 
3. The Bank shall advise the insurance undertaking in writing of its decision in respect of an appeal, providing reasons for same and details of any amount outstanding in respect of the disputed amount of dedicated levy contribution and the due date applicable for the payment of any outstanding dedicated levy contribution.

Without prejudice to any other remedy available to the Bank, where payment for a dedicated levy contribution has not been received by the due date, interest shall accrue thereon for the period beginning on the day after the due date and ending on the date of payment and shall be calculated at the same rate as is payable in respect of late payments in commercial transactions pursuant to the European Communities (Late Payment in Commercial Transactions) Regulations 2012 ( S.I. No. 580 of 2012 ) or any amending or replacing legislation.

The levy notices issued in 2023 will include levy contributions relating to:

1. The setup of Private Motor on the NCID and the publication of the initial report on Private Motor Insurance in 2019.
2. Private Motor NCID work undertaken in 2020.
3. Private Motor NCID work undertaken in 2021.
4. Setup of Liability Insurance on the NCID and the publication of the initial report on Liability Insurance in 2021

The levy notices issued in 2024 will include levy contributions relating to:

1. Private Motor NCID work undertaken in 2022 and 2023
2. Liability Insurance work undertaken in 2022 and 2023

The levy notices issued in 2025 (and in future years) will include levy contributions relating to:

1. Private Motor NCID work undertaken in the preceding year
2. Liability Insurance work undertaken in the preceding year