When Early Irish Law Outpaces Us: Binchy, Bretha Crólige and the Curious Case of Sick-Maintenance

Introduction

 

As an insurance lawyer, my working day revolves around damages: how much, to whom, and for what. We argue over loss of earnings, cost of care, special damages, general damages. We measure, calculate, dispute, and settle. It is an elaborate system – but, at its core, still about money as compensation.


Law and its Prominence in Early Gaelic Literature

 

Recently, I have been studying early Gaelic (Irish) literature and the importance of Irish law. Law is so central in early Irish literature because it was closely linked to how society explained and maintained itself. The jurists (brithemain) belonged to the same learned class as poets and historians, and their work was preserved as senchas – tradition – rather than as abstract statutes. This is why the great collection Senchas Már lies at the core of the legal corpus: it is presented not just as law but as a narrative, connecting rules to origin legends and the authority of saints and kings. Within it, texts like Bretha Crólige (“Judgements on Sick-Maintenance”) demonstrate how vividly law could respond to real-life situations, detailing the obligations owed to a wounded person. Together, they show why law dominates early Irish writing: it was both the backbone of social order and a vital part of cultural memory, recorded in the same literary medium as history, poetry, and saga.


Binchy and Bretha Crólige

 

D. A. Binchy’s edition of Bretha Crólige, the Old Irish tract on “blood-lying” (sick-maintenance- or othrus) is worth analysis, in the modern context. Binchy’s central observation is simple but striking. While compensation tariffs for injury are broadly Indo-European, the Irish obsession with the day-to-day maintenance of the injured person is unique in its detail.


Tariffs Across Europe

 

Most early medieval legal systems, from the Salic Law to the Welsh Laws of Hywel Dda, worked from tariffs: so many shillings for an eye, so many for a tooth, a sliding scale for fingers and toes. The idea was familiar: money smooths over disruption.

The Irish texts contain these tariffs too – tables of éraic (compensation) for wounds and insults, carefully graded by rank. In that sense, Ireland sits squarely in the European mainstream.


The Irish Twist: Crólige as Obligation

 

But Bretha Crólige adds a twist. As Binchy notes:

“The most striking feature of Bretha Crólige is its detailed regulation of sick-maintenance: the obligation imposed on the injurer to feed and tend the wounded man until recovery.”

Here, damages aren’t just a payout. They become an obligation to care: housing the victim, feeding him, paying for his doctor, maintaining his household. The wrongdoer is bound, day after day, into the life of the person he injured.

The tract even specifies food schedules and arrangements for substitutes. Where our modern system trusts a lump sum to cover uncertainty, the Irish law, first demanded continuous support until recovery.


What Struck Me as a Modern Lawyer

 

Coming to this with my insurance-law lens, I couldn’t help mapping Bretha Crólige onto today’s compensation landscape: Whilst there was no award for pain and suffering, there was an emergence of various heads of damages.

  • Loss of earnings? Covered, because the wrongdoer sustains both victim and dependants.
  • Special damages for care? Built in: the wrongdoer must provide the care directly.
  • Future uncertainty? Managed, because the obligation continues until the end of illness (or life).

The justice was far from egalitarian—rank dictated quality of care—but the concept is profoundly restorative rather than purely monetary.


Why It Matters

 

Bretha Crólige raised a challenge that hasn’t gone away. Modern tort law prizes once-and-for-all damages, tidy settlements. Yet whenever we deal with long-term care claims, periodic payment orders, or disputes over statutory benefits, I find myself wondering whether the old Irish lawyers had a point: sometimes justice looks less like a cheque and more like an obligation to keep showing up.


Conclusion

 

Bretha Crólige showed us a legal system that refused to reduce injury entirely to money. It tied wrongdoer to victim in an ongoing relationship of care. It was an example of an approach focused on the victim, rather than the wrongdoer or the society that condoned the wrongdoer. Not that it was universal, however. In his introduction to A Guide to Early Irish Law, Fergus Kelly notes that another text, Críth Gablath, stated that the institution of orthus or sick maintenance was obsolete and had been replaced by payment of appropriate fines. Perhaps an early example of a change in the law, moving away from a restorative based approach, as Kelly suggested one of the possible reasons (he offers several) for the variation, being differences in dates between the texts.

The Risks of Heavy Goods Vehicle, Truck, and Lorry Accidents on Roads in County Antrim

Road Traffic Accidents involving HGVs like trucks, lorries, and other long vehicles, come with a separate set of risks. Personal injuries suffered as a result of lorry accidents are likely to be severe. Heavy Goods Vehicles are loaded with extra weight, meaning any lesser vehicle involved in the collision runs the risk of complete destruction.

The Antrim and Newtownabbey area is a major hub for the transport and storage industry. Since 2021, the area has had one of the highest concentrations of transport and storage business units in Northern Ireland. Its location provides easy access for logistics firms to distribute goods across the region.

If you have been in an accident with a lorry and you have been injured because of it, then you may be eligible to bring a claim for compensation against the lorry driver, company, or other responsible party. You may wish to contact Lacey Solicitors in Belfast for support.


The Constant Threat of HGV Accidents in County Antrim

 

HGV, lorry and truck accidents are unfortunately common on Belfast roads. We can cite countless road traffic accidents involving lorries in Co. Antrim in recent years.

A 60-year old man spent Christmas 2023 in hospital in critical condition after a collision with a lorry, the Irish Post reported. In January 2025 a motorcyclist died after colliding with a lorry. In September 2024 a man from Ballymoney died after colliding with a lorry.  Sadly, these are just a few examples from a long list of lorry-related accidents in County Antrim.

When a car, motorcycle, or even a van collides with a lorry, the consequences are often severe due to the size and weight disparity. For the very vast amount of our clients who are lucky enough to talk away from these types of accidents, their injuries are often severe.


The Added Risks of Lorry and HGV Accidents

 

Road traffic accidents involving lorry, truck, or other heavy goods vehicles come with additional risks to car crashes between vehicles of a similar size. Our Mr Damian Mcgeady, Partner, was at one stage, himself a HGV driver.  He knows all too well the dangers involved when driving a Heavy goods vehicle.  These heightened dangers stem from several factors, including longer braking distances and the increased likelihood of mechanical failure due to the heavy loads that fully laden lorries transport.

 

According to our Partner Damian McGeady, the HGV Accident Risk Factors Include:

 

  • Driver fatigue: Lorry drivers often work long hours, which can lead to reduced concentration and slower reaction times.
  • Unsecured or shifting loads: Poorly secured cargo can move during sudden braking or sharp maneuvers, affecting vehicle stability.
  • Overloaded vehicles: Exceeding weight limits increases the risk of mechanical failure and can amplify damage in collisions or rollovers.
  • Vehicle size and structure: HGVs are taller and wider than most vehicles, meaning collisions can cause significantly greater damage to smaller vehicles.
  • Reduced manoeuvrability in adverse conditions: The size and weight of HGVs make it harder to navigate inclement weather, including rain, ice, or high winds.
  • Long stopping distances: Fully laden HGVs require considerably more distance to stop than cars or vans, increasing the likelihood of collisions in sudden traffic events.
  • Blind spots: Large HGVs have substantial blind spots, particularly on the sides and rear, which can make it difficult for drivers to see smaller vehicles.
  • Mechanical stress: Heavy loads place extra strain on brakes, tires, and suspension systems, raising the risk of failure if not properly maintained.
  • Driver experience and training: Inexperienced or inadequately trained drivers may misjudge stopping distances, turning radii, or road conditions.

If you have been hit by a lorry or otherwise injured in a crash involving a heavy goods vehicle, then you should speak to a car crash lawyer. Wondering if you can claim for a lorry or HGV accident? Contact Lacey Solicitors right now to find out.


The Hierarchy of Road Users

 

The Highway Code introduces the hierarchy of road users, which places greater responsibility on those controlling vehicles capable of causing the most harm, such as HGVs. However, this principle does not automatically assign blame to the HGV.


Common Accidents with Large Vehicles

 

One common scenario that Lacey Solicitors deals with time and time again is when a HGV comes into another lane and causes an accident. Large vehicles with trailers often need to straddle two lanes to safely execute a turn or exit. According to Highway Code Rule 221:

“Large vehicles may need extra road space to turn. You should be aware of this when driving near them and give them plenty of room.”

This rule recognises the limitations of HGVs and requires other road users to adjust their driving accordingly but a HGV should at all times be aware of its surroundings.  Liability only arises if the HGV is careless or negligent.


Seeking Compensation After a Truck, Lorry, or HGV Accident

 

If you were injured having been involved in an accident where the Truck or Lorry was negligent, you should contact a solicitor to speak about a compensation claim. Even where you believe you were partly at fault, you should always seek independent legal advice.

Lacey Solicitors are skilled in seeking compensation after car accidents, bike accidents, and for those injured by an HGV.


Personal Injury Solicitors in Co. Antrim

 

Lacey Solicitors are an established legal team capable of guiding you smoothly through the process of claiming compensation after a lorry accident. Empathetic and determined to understand your unique circumstances, we can help you prove that your accident happened due to negligence.

Call 028 9089 6540 today to speak to our legal team or read our guidance on Road Traffic Accidents for more information.

From Surveys to Solicitor Fees: First-Time Buyer Costs in Belfast

Buying your first home is one of the biggest milestones in life – but it’s also one of the biggest financial commitments. At Lacey Solicitors Belfast, our head of property William Wilson guides first-time buyers through the legal process of property purchase and helps understand the costs involved.

If you’re wondering “how much does it cost to buy your first home?”, here’s a breakdown of the main costs you need to prepare for.


1. The Survey

 

We always recommend that clients instruct a RICS qualified surveyor before committing to a purchase.

  • A basic condition report is usually the most affordable option and highlights obvious issues.

  • A homebuyer’s report is more detailed, examining structural integrity, damp, and potential repair work.

  • A full structural survey is the most expensive but can uncover hidden issues in older properties.

While surveys add to your upfront costs, they can save you significant money in the long run by identifying problems before you buy.


2. Mortgage Fees

 

Most lenders will charge a product fee for arranging your mortgage, which can range from a few hundred pounds to over a thousand. Some lenders allow you to add this fee to the mortgage, while others require upfront payment.

If you’re using a mortgage broker, check whether they charge a separate fee for their services. Not all do – some are paid directly by the lender.

Lacey Solicitors works with a number of brokers across Northern Ireland and can assist you over any mortgage broker queries.


3. Stamp Duty Land Tax (SDLT)

 

Stamp duty is a tax paid by property buyers to the UK government. The amount depends on the price of the property and your circumstances.

The good news is that first-time buyers may benefit from reliefs, meaning you could pay less (or nothing at all). At Lacey Solicitors, we check whether stamp duty is indeed payable in your case and advise you clearly before completion.


4. Legal Fees & Outlays

 

When buying a home, you will need a property solicitor to handle the conveyancing process.

  • Legal fees are the charges for your solicitor’s time in managing the purchase, reviewing contracts, and protecting your interests.  Known as the ‘professional fee’ this will change from solicitor to solicitor so it is always best to shop around.

  • Outlays are additional costs your solicitor pays on your behalf and these will be the same for every solicitor.  These include things such as:

    • Property searches

    • Registration fees for putting the property in your name

    • Land Registry charges


What’s Included in the Legal Fees?

 

Every home move is different, but legal fees typically cover the essential work your solicitor does to ensure the transaction runs smoothly. At Lacey Solicitors Belfast, this usually includes:

  • Reviewing contracts and advising you on the terms

  • Carrying out local authority and property searches to check for issues that may affect the property

  • Liaising with your mortgage provider (if applicable) to make sure funds are in place

  • Handling the exchange of funds between buyer, seller, and lender

  • Registering the property with the Land Registry in your name

  • Managing key dates such as completion and handover of keys

One key step at exchange of contracts stage is arranging suitable home insurance. Read our article on insuring your property at exchange ofcontracts to find out why it’s vital.

This ensures every legal and practical detail of your purchase is properly managed, giving you peace of mind as you step into your new home.


5. Ongoing Property Costs

 

Beyond the purchase, remember to account for the day-to-day costs of owning a home, including:

  • Rates (payable to your local council)

  • Service charges (for apartments or leasehold properties)

  • Utility bills (electricity, gas, water, broadband)

  • Insurance and upkeep

Factoring these in ensures you’re financially ready for ownership.


Ready to Buy Your First Home in Belfast?

 

At Lacey Solicitors, our experienced property team makes buying your first home as smooth as possible. We’ll provide clear advice on legal fees, guide you through mortgage and stamp duty queries, and ensure you understand every cost upfront.

Contact our property team today using our secure online portal  to speak to one of our Belfast property solicitors and get purchase ready with Lacey Solicitors.

Northern Ireland Court Awards Compensation for Noise-Induced Hearing Loss – 2025 Case Explained

In May 2025, the County Court in Northern Ireland awarded compensation to a former worker who developed noise-induced hearing loss (NIHL) after years of exposure to excessive workplace noise. The case of McDaid v Spanboard Products Limited [2025] NICty 3 is a significant reminder that employees may still be able to claim compensation for hearing damage many years after leaving noisy employment.


The Background

 

The plaintiff, Mr John McDaid, born in 1954, worked for Spanboard Products Limited between 1987 and 2009. He claimed that prolonged exposure to noisy machinery during his employment caused permanent damage to his hearing.

Although Mr McDaid had worked in other jobs earlier in his career, medical experts agreed that the majority of his hearing problems were caused by his time at Spanboard. The court found that 52.5% of his hearing loss was directly attributable to workplace noise exposure with the defendant.


Medical Evidence

 

Two ENT specialists gave evidence:

  • Mr Ullah FRCS – concluded the hearing loss was moderate and caused by the defendant’s noisy workplace.
  • Mr Stewart FRCS – suggested part of the damage was linked to other jobs and initially described the loss as mild.

The judge preferred Mr Ullah’s evidence and applied the World Health Organisation (WHO) grading system, which categorises Mr McDaid’s condition as moderate hearing loss.


Legal Issues in Noise-Induced Hearing Loss Claims Northern Ireland

 

The defendant raised a limitation defence, arguing that the claim was out of time because the plaintiff had known about his hearing problems for years. However, the judge exercised discretion under the Limitation (Northern Ireland) Order 1989 to allow the case to proceed, noting that the delay had not prejudiced the defence.

This confirms that even if hearing loss develops or is diagnosed many years after employment, a claim can still succeed if supported by strong evidence.


The Court’s Decision

 

Deputy County Court Judge Logue awarded:

  • £30,000 in general damages (before deductions)
  • Including £1,500 uplift to reflect the plaintiff’s accelerated need for hearing aids (based on updated figures from Atkinson v Chief Constable of the PSNI [2015] NIQB 92)
  • After applying deductions, the final award was £14,726.85 plus legal costs

The court accepted that Mr McDaid suffered permanent, moderate hearing loss and that this significantly impacted his daily life.


What This Means for Workers in Northern Ireland

 

This case reinforces several key points for anyone considering a noise-induced hearing loss compensation claim in Northern Ireland:

  • You can claim years after leaving noisy work if your diagnosis is recent.
  • Courts recognise both age-related and noise-induced hearing loss, and compensation is adjusted accordingly.
  • Expert medical evidence is critical.
  • Compensation can include not only hearing loss itself but also the accelerated need for hearing aids.

How Lacey Solicitors Can Help

 

At Lacey Solicitors in Belfast, we have successfully secured compensation in noise-induced hearing loss claims in Northern Ireland for clients against major employers across Northern Ireland, including Harland & Wolff PLC, Bombardier Aerospace, Short Brothers PLC, Rolls Royce, Taylor Wimpey PLC, Metro (NI) Limited, Babcock Power Limited, Cape Insulation Limited, Courtaulds PLC, and many others.

Call Lacey Solicitors today and speak to Roisin Cassidy who is the Solicitor in charge of Noise-Induced hearing loss claims Northern Ireland or alternatively use our Online Portal and we’ll arrange a call back.

 

Consent in Medical Negligence in Northern Ireland. Lacey Solicitors Belfast Summarise the Key Case Law.

 

Consent is a central issue in medical negligence law. Patients are entitled to make informed decisions about medical treatment, and doctors have a legal duty to disclose risks and alternatives that are material to the patient’s decision. Failure to obtain proper consent may constitute negligence, even if the procedure itself is performed competently.

This article analyses the development of consent law through key UK and international cases.


Bolam v Friern Hospital Management Committee [1957]

 

Bolam established the foundational test for medical negligence: a doctor is not negligent if they act in accordance with a practice accepted as proper by a responsible body of medical opinion. However, this principle is limited: professional opinion must be capable of withstanding logical analysis; otherwise, it cannot excuse negligence.

Bolam initially governed both the standard of care in treatment and the scope of disclosure to patients.  For a more detailed discussion of the application of the Bolam and Bolitho tests in Northern Ireland and the Republic of Ireland, see our previous article Medical Negligence Claims: The Difference in Northern Ireland and the Republic of Ireland.


Canterbury v Spence [1972]

 

Although an American case, Canterbury v Spence is frequently cited in discussions of consent. The claimant was not informed of a 1% risk of paralysis from spinal surgery.

The court emphasised a “prudent patient” standard, focusing on what a reasonable patient would wish to know rather than what a doctor deemed necessary. This case introduced the principle that consent should prioritise patient autonomy.

The ruling represented a major shift from the traditional medical standard (known as the Bolam test in the UK) where a doctor’s duty of care was judged by other doctors. Instead, the court prioritized patient autonomy and the patient’s right to self-determination. 


Sidaway v Bethlem Royal Hospital [1985]

 

In Sidaway, the House of Lords confirmed a doctor-centred approach to consent under UK law: disclosure of risks is largely a matter of professional judgment. If a responsible body of medical opinion would not have warned the patient of a particular risk, failure to disclose would not constitute negligence. Sidaway reinforced the dominance of Bolam in disclosure cases until later reforms.


Chester v Afshar [2004] – Causation and the Right to Choose

 

Chester marked a critical development in consent law, particularly regarding causation. The claimant underwent back surgery without being warned of a 1% risk of paralysis.

Ordinarily, negligence requires establishing a “but for” causal link: the injury would not have occurred but for the breach. The House of Lords recognised that strict application of the “but for” test could undermine the patient’s right to make an informed choice. Key points:

  • What matters is whether the patient was denied the opportunity to make an informed choice at the relevant time.
  • A claimant does not need to show they would never have had the procedure, only that they would have deferred it or sought further advice.

Lord Hope stated:

“The function of the law is to protect the patient’s right to choose. If it is to fulfil that function, it must ensure that the duty to inform is respected by the doctor.”

Chester established that failure to warn can constitute negligence in itself, modifying the traditional causation requirement in this narrow context.


Montgomery v Lanarkshire Health Board [2015] – Modern Test for Consent

 

Montgomery is the leading authority on consent in England and Wales. The claimant, a small woman with diabetes, was not informed of a 9–10% risk of shoulder dystocia during vaginal delivery. The doctor did not disclose this risk, believing the patient would otherwise opt for a C-section, which he considered not in her best interests.

The Supreme Court clarified the law:

  • An adult of sound mind is entitled to decide which, if any, treatment to undergo. Consent must be obtained before any intervention affecting bodily integrity.
  • Doctors have a duty to take reasonable care to ensure the patient is aware of any material risks and reasonable alternatives.
  • The materiality test is whether a reasonable person in the patient’s position would attach significance to the risk, or if the doctor knows or should reasonably know that the particular patient would attach significance.

Montgomery firmly shifted UK law to a patient-centred standard, prioritising autonomy over professional discretion.


Deuce v Worcester Acute Hospitals NHS Trust [2018] – Limits of Chester

 

In Deuce, the claimant underwent a total abdominal hysterectomy and subsequently developed neuropathic post-surgical pain. She claimed the Trust failed to warn her of the risk of chronic post-surgical pain, material under Montgomery.

The trial judge found:

  • No negligence in disclosure.
  • Causation not established; the claimant would have undergone the surgery regardless.

On appeal, the Court of Appeal confirmed:

  • The Montgomery test had been correctly applied.
  • The modified causation rule in Chester does not remove the need to show a “but for” link — specifically, that the surgery would not have occurred at the relevant time.
  • Following Correa v University Hospital of North Staffordshire NHS Trust, if relying on Chester’s exceptional principle, it must be pleaded and proved that the claimant would have deferred surgery had the risk been disclosed.

Deuce illustrates the limits of Chester: it does not create a general relaxation of causation, but applies only where the claimant can demonstrate that informed choice would have affected the timing of the procedure.


Bilal and Malik v St. George’s University Hospitals NHS Foundation Trust – Determining Alternative Treatments

 

Bilal and Malik considered the correct approach to offering alternative forms of treatment: should this be assessed under the Bolam test (a question for the medical professional) or under Montgomery (a question for the patient)?

  • Under Bolam, a doctor would not be negligent if a reasonable body of medical opinion agreed that it was acceptable to withhold or recommend certain treatments.
  • Under Montgomery, materiality is judged from the patient’s perspective, focusing on whether a reasonable patient would attach significance to the risk or treatment choice.

Judge Davies clarified that these principles operate in tandem:

  1. It is for the doctor to assess what reasonable alternatives exist for treatment — i.e., the medical assessment of options remains guided by professional judgment under Bolam.
  2. It is for the court to determine the materiality of the risks associated with each proposed treatment. The test is whether a reasonable person in the patient’s position would attach significance to the risk.

This distinction preserves the doctor’s expertise in evaluating treatment options while ensuring that disclosure of material risks and alternatives is judged according to patient-centred standards under Montgomery.


Summary and Conclusion

 

  1. Bolam remains good law for ordinary clinical negligence cases. The standard of care is still assessed by reference to a responsible body of medical opinion capable of withstanding logical analysis.
  2. Material risks and reasonable alternatives must be judged from the perspective of the prudent patient, not by reference to professional practice. This principle was established in Montgomery: disclosure is patient-centred, focusing on what a reasonable person in the patient’s position would consider significant.
  3. Causation in consent cases generally follows the ordinary “but for” rules. However, the test is modified in limited circumstances where the claimant can demonstrate that, had they been properly informed, they would have taken time to consider their options before consenting. This was seen in Chester v Afshar and reaffirmed in Deuce.
  4. Alternative treatments — whether they are reasonable and should be brought to the patient’s attention — remain a professional practice matter, assessed under the Bolam standard. This approach was clarified in Bilal and Malik. The doctor determines which treatment options are reasonable; the court assesses which risks are material for disclosure to the patient.

In essence, the law draws a careful distinction: medical judgment governs what treatments are reasonable, but patient autonomy governs what risks and alternatives must be disclosed. Practitioners must consider both elements when advising clients or evaluating potential claims.


Contact Lacey Solicitors Belfast & Dublin – Medical Negligence Solicitors

 

At Lacey Solicitors, our approach to medical negligence claims is straightforward and client-focused. We begin by listening carefully to your story and explaining your legal options in plain English. From there, we gather the necessary medical evidence and reports to support your case, and we fight diligently for fair compensation and justice. If you or a loved one has suffered due to medical negligence in Northern Ireland or the Republic of Ireland, we are here to help.

Trust our experience and let us help you move forward. Use our Online Portal and a solicitor will contact you within 24 hours for a few no-obligation chat.

Car Written Off After an Accident: What To Do Next and Why You Need a Road Traffic Accident Solicitor

If you have been involved in an accident and your car has been written off, it means that an assessor, having assessed the damage, decided that it would be uneconomical to repair the vehicle either because the cost of repairs is more than the value, or because the cost of repairs is coming too close to the value.  This can be a major inconvenience, especially if you’ve looked after your vehicle with service plans etc.  Here’s what you need to know if you find yourself in this situation:


What “Written Off” Means

 

Having assessed your vehicle and compared the estimated repair costs with your car’s pre-accident value, your repairs have been deemed uneconomical.  For example if your car is worth £2000.00 but repaired are expected to be £2500.00 taking into account parts and labour, then your car is deemed uneconomical to repair.  If repairs are uneconomical, the car is declared a write-off.

This does not mean that in all cases a car cannot be repaired.  In some cases there may be acceptable methods of repair that are cheaper to carry out which would make the vehicle roadworthy.  E.g. aftermarket or second hand parts to bring down the costs.

  • Safety factor: Even if repairable, some vehicles are written off because structural safety can’t be guaranteed.
  • Categories:
    • Category A – total destruction, must be scrapped.
    • Category B – body shell destroyed, parts may be salvaged.
    • Category S – structural damage, possible to repair.
    • Category N – non-structural damage, repairable.

What You’re Entitled To

 

The Pre-Accident Value.  That is, what the market value of your vehicle was immediately prior to the accident.  You should receive compensation equal to the value of a similar car (make, model, age, condition) before the crash.  If you think a motor assessor or insurer undervalued your car, you can provide evidence such as car sale listings, service history, and independent valuations to challenge that valuation.

Some insurers like to use various guides such as Glass’s guide.  While Glass’s aims to provide objective, market-driven data, several factors may cause a vehicle’s specific valuation to feel inaccurate. E.g. if yours was in exceptional condition for its age and mileage, you should be entitled to higher than a similar vehicle of age and make model etc. 

In Northern Ireland, we have a smaller market than the rest of the UK with a smaller number of used vehicles.  The smaller market can increase the value of a vehicle.  E.g. a brand new vehicle that is extremely common in England may not be as common here.  At Lacey Solicitors, we appoint independent local motor assessors to rely on actual market availability to assess the pre-accident value of vehicles.

In some cases (Cat S or N), you may buy back the ‘salvage‘ and repair the vehicle privately.  The ‘salvage’ is the vehicle in its damaged state after the accident.


FCA Action Against Insurers

 

The Financial Conduct Authority (FCA) recently found that insurers had undervalued thousands of write-off claims, unfairly reducing payouts. As a result:

  • Over 270,000 motorists are due £200m in compensation.
  • Practices such as deducting for “assumed pre-existing damage” have been banned.
  • Insurers must now follow the FCA’s Consumer Duty and treat motorists fairly.
  • At Lacey Solicitors, our advice is to always seek independent legal representation if you have been involved in a crash.  Your Road Traffic Accident Solicitor will appoint an independent motor assessor to give a true, local market reflection of your motor vehicle.

Next Steps After a Write-Off

 

  1. Contact a road traffic accident solicitor – before accepting any insurer offer.
  2. Gather evidence – accident photos, repair estimates, proof of your car’s condition.
  3. Request a replacement or Credit Hire vehicle – if you’re not at fault, you’re usually entitled to a like-for-like hire car if your vehicle is unroadworthy.

Why Speak to Lacey Solicitors First?

 

A Road Traffic Accident Solicitor can:

  • Ensure you receive the full value of your written-off car.
  • Pursue compensation for injuries and other losses.
  • Immediately source you a replacement vehicle to keep you mobile whilst your vehicle is being assessed.
  • Challenge any unfair insurance practices.
  • Negotiate on your behalf, taking pressure off you at a stressful time.

If your car has been written off after a crash, it can be stressful and confusing. From dealing with insurance claims to understanding your compensation rights, knowing the right steps to take is crucial. For expert guidance, contact Lacey Solicitors’ Insurance Lawyers, using our Online Portal who can help ensure you get the full value of your car, pursue any injury claims, and challenge unfair insurer practices.

 

One Year In at Lacey Solicitors: Reflections from Amie our Law Degree Apprentice

Amie, our Law Degree Apprentice has celebrated her ‘1 year work anniversary’ with us at Lacey Solicitors. We asked Amie to give us some insight into the first year of her legal career, and what makes her pathway unique.


What is a Law Degree Apprenticeship in Northern Ireland?

 

An LLB Degree Apprenticeship is a work-based training programme that provides an alternative route to getting a Law Degree from university, where Apprentices complete their course alongside paid permanent employment.

Degree Apprenticeships involve integrated learning – I gain practical experience in Lacey Solicitors that inform my learning at university.  Similarly I apply what I study at University to my work within Lacey Solicitors.


Why I Chose a Law Degree Apprenticeship over Traditional LLB course?

 

I tried the traditional law degree.  In my first year studying Law I was a full time student working in retail at the weekends. This has given me a unique perspective of being able to compare a degree apprenticeship and a traditional LLB.

After completing work experience in summer 2024, I decided that I needed more hands-on experience. I wanted to work in the field I was interested in straight away rather than learn about it for a number of years before ever experiencing it.  When I saw the advertisement for the degree apprenticeship with Lacey Solicitors, I decided I would go for it. It was the best decision!

I am liaising day to day with other firms in NI in a wide variety of cases.  As a degree apprentice, I have started my legal career at the age of 20. At 20 years old I have attended court across NI, assisted in drafting court documents, built a network of solicitors, barristers and experts.  I have begun working on my client care skills, something that I quickly learned was paramount for working a law firm and a skill that I never would have learned full time at University.

I am also able to see aspects of my course playing out in real time and applying what I’m learning in university at work.  It is making me a better student and my hope is that it makes me a better solicitor.


Learning on the Job vs in the Classroom

 

I find that I am learning a lot more on the job compared to university. While, of course, what I am learning in university is invaluable to my career progression, in work I am being trained to become a solicitor in a practical, day-to-day way.

To read about ‘tort’ and understand the four elements of Negligence is one thing.

To listen and take instructions from a new client who has suffered life changing injuries as a result of negligence is something that the books do not explain.

I much prefer this to attending university alone, as it has given me reassurance that this is the career I want to pursue; and I’m getting a head start!


Challenges and Rewards of My First Year as a Law Degree Apprentice.

 

It has been a big challenge adjusting to working full time and balancing a 9-5 with my studies. I quickly learned that life in a law firm is very fast paced and you must be able to learn quickly and apply your knowledge to a variety of cases.  It can be overwhelming – as young people we often think we can do everything alone and figure things out without support. This isn’t true – without the support of my colleagues, the Partners in the firm and my mentors, I would have become snowed under very quickly!

Lacey Solicitors made it clear to me that I would always be busy and that they needed me to be open and honest about the workload.  I quickly found that they were right.   It became clear to me that it was so important to voice how you are feeling and keep an eye on the workload.  Finding a happy medium between performing well or ‘impressing’ your employer and enjoying your job and working within your limits in incredibly important. Communication is key!

Burnout is a term that is drilled into us and the Partners will regularly check in with me to see how I am coping.  I am busy at all times but where the Partners want me to be is a ‘healthy stress.’  That is, a level of busy where I have a lot on yes, but am feeling motivated, productive, performing well, achieving goals and targets etc.  To avoid an unhealthy stress or burnout, I go on lots of long walks with my dog. Lacey Solicitors has also afforded me a great routine, which has allowed me to de-stress in the evenings by reading, scrapbooking and spending time with family and friends.

The most rewarding part for me has been seeing how far I have come and the progress I have made.  As a I reflect on the past year, I can see how far I have come. I started as a timid 20-year-old, scared to make phone calls and unsure of what ‘special damages’ were. Now, I can confidently tackle a growing case load, anticipate what would be expected of me, anticipate what the Partners might respond and draft those responses for their approval.  When I started, I was reactive and listening to strategy.  Now I am proactive and am able to independently contribute.  I can spot a problem and rather than present problems to the Partners, present them with how I solved the problem or how I would like to and seek their feedback.

Now that I have been here for one year, I have managed to see the lifecycle of some matters.  I am happy to report that I have overcome my phone phobia!

As a first-generation university student, it has been a real honour to start my career and be able to spoil my very hard working (and very proud) parents.


Sharing My Experience of a Law Degree Apprenticeship with Future Apprentices

 

As a representative of my degree, I have had the pleasure of speaking at this year’s induction events for the incoming Law Degree Apprenticeship class at Ulster University. On 17th September 2025, I was part of the induction afternoon, answering questions from students and employers about what they can expect from this unique experience.

I also got to be a part of an apprenticeship panel at the University wide induction evening on 10th September 2025.

I was able to connect with our new cohort of students and even met some new apprentices who decided to take the opportunity after hearing about my experience! It has been a privilege to pass on what ‘wisdom’ I have obtained as I continue to make strides in this new and exciting area of my legal career.

To learn more about the Law Degree Apprentice route, visit University of Ulster’s Website.

 

Case Study – £35,000 Settlement for Belfast Passenger in Tinnitus and Hearing Loss Claim from Lacey Solicitors

Client: Jack P.

Settlement: £35,000.00

Location: Belfast, NI

Case Type: Personal Injury – Road Traffic Accident


Jack’s Car Accident and Tinnitus Claim as a Passenger

 

Jack instructed Lacey Solicitors following his involvement in a non-fault road traffic collision.

Jack was a passenger in a car when the driver of the car he was in caused a collision.

Jack sustained soft tissue injuries to his back as well as some mild hearing loss to his left ear and tinnitus. Lacey Solicitors pursued the at fault insurance company on behalf of Jack in respect of compensation for his injuries.


Why Jack Contacted Lacey Solicitors for his Tinnitus and Hearing Loss Claim

 

Jack was referred to Lacey Solicitors by an an Insurance Company Claims handler.  Jack wanted a firm that would understand the difficulties this accident has caused him and one that was experienced in tinnitus claims.  After Jack googled the firm and read some of their previous articles on hearing loss and tinnitus claims and spoke with a solicitor, he was put at ease for the accident.


The Legal Process and Negotiations

 

Lacey Solicitors immediate arranged for Jack to be examined by a Consultant ENT to comment on the hearing loss and ringing in the ear.

Lacey Solicitors obtained the report and sent it to the third-party insurance company, an initial offer was received in the sum of £7,000.00.

The insurance company stated;

“We cannot see how these tinnitus symptoms have arisen given your client has not banged their head nor has he suffered any direct head trauma.”

Lacey Solicitors wrote to Jack the next day to advise that the case is worth over £30,000.00.

Jack was eager to complete the matter and so asked if Lacey Solicitors could obtain £25,000.00.  We wrote appropriately to the insurance company and advised that our instructions were to seek £25,000.00.  Lacey Solicitors advised that if the case progressed the case would ultimately be worth more.

The insurance company increased to £10,000.00.

Orla McAteer, Solicitor, rejected this proposal and issued formal legal proceedings in the High Court of Northern Ireland suing the at fault driver and their insurance company seeking compensation for Jack’s injuries.

Further settlement discussions took place and ultimately a settlement was reached in the sum of £35,000.00, with the at fault insurance company agreeing to pay Jack’s legal costs.


Outcome

 

Jack received a settlement of £35,000 in full and final settlement of his claim and the insurance company agreed to pay all of the Legal Costs incurred.


Why Choose Lacey Solicitors for Your Passenger and Tinnitus Claim

 

Lacey Solicitors have extensive experience in personal injury claims involving tinnitus and hearing loss symptoms. Our team provides clear advice, robust representation, and a client-focused approach to ensure your rights are properly advised, and receive fair compensation.


Contact Lacey Solicitors Tinnitus Specialists Today

 

If you have sustained personal injuries as a result of a road traffic collision, don’t delay in seeking legal advice. We offer clear, confidential guidance and will support you in pursuing the compensation you are entitled to. Contact our Belfast office today or get in touch through our secure online enquiry form — your consultation is entirely confidential and comes with no obligation.

 

Limitation Periods in Personal Injury Actions in Ireland

Introduction to Limitation Periods in Ireland

 

Limitation periods are a critical aspect of personal injury litigation in Ireland, directly impacting the rights of claimants and the exposure of defendants and insurers. The statutory framework is primarily governed by the Statute of Limitations Act 1957 (as amended) and the Civil Liability and Courts Act 2004, which set strict deadlines for initiating personal injury claims.

The Injuries Resolution Board (IRB), formerly known as the Personal Injuries Assessment Board (PIAB), and the doctrine of estoppel further shape the legal landscape. Recent legislative changes, effective 4 September 2023, have introduced procedural updates that practitioners must understand to avoid claims becoming statute barred.

 


Statutory Limitation Periods for Personal Injury Claims

 

Under the Civil Liability and Courts Act 2004, claimants generally have two years less one day from the “date of knowledge” to initiate proceedings.

Date of Knowledge Defined:

The “date of knowledge” is when the claimant knew, or reasonably ought to have known:

  • They suffered a personal injury

  • The significance of that injury

  • The identity of the party responsible

Some Exceptions:

  • Minors: The two-year time limit to make a claim starts from the date of the child’s 18th birthday.


The Role of the Injuries Resolution Board and Section 50 Suspension

 

Personal injury claims (excluding certain categories such as medical negligence) must first be submitted to the IRB.

Section 50 Suspension

Under Section 50 of the Personal Injuries Assessment Board Act 2003 (as amended) provides a critical mechanism for the suspension of the limitation period:

  • Submitting a complete application to the IRB stops the limitation period.

  • Time resumes six months after the IRB issues an authorisation.


What Constitutes a ‘Complete’ IRB Application

 

Legislative Changes (Effective 4 September 2023):

The Personal Injuries Resolution Board Act 2022 introduced significant changes to the application process. From 4 September 2023, only the latest IRB Application Forms are accepted. Old versions are no longer valid, and there are updated requirements for both the Solicitors Portal and the Online Application Form.

To be deemed ‘complete’ for the purposes of Section 50 of the Personal Injuries Assessment Board Act 2003 (as amended), and to benefit from the suspension of the limitation period, an application must include:

  • Claimant’s Details: Full name, date of birth, and contact number (or a statement if no contact number is available).
  • Residential Address: The address at which the claimant ordinarily resides.
  • Personal Public Service Number (PPSN): If no PPSN has been issued, alternative identification (valid driving licence, passport, or national identity card) is required.
  • Respondent Details: Name and address of the person(s) or organisation(s) considered liable (the Respondent). For motor liability claims, the respondent insurer’s address is acceptable.
  • Accident/Incident Details: Date and time of the alleged accident or incident. Where appropriate, a date range may be provided if the incident occurred over a period of time.
  • Circumstances of the Accident: Details of how and where the accident or incident occurred.
  • Injury Description: A description of the personal injuries allegedly sustained, including the body part(s) and nature of the injury (e.g., fracture, soft tissue injury).
  • Medical Report: A medical report prepared by a medical practitioner detailing the nature of the injuries.
  • Signature: The application must be signed by the claimant, confirming the accuracy of all provided information.

Important Note on IRB Application:

Where an application does not provide all the required information, it cannot be deemed complete for the purposes of applying to the IRB (section 11 of the Personal Injuries Assessment Board Act 2003, as amended) or for the purposes of the Statute of Limitations (section 50).

Time will not ‘freeze’ for the purposes of limitation and will not be suspended until a complete application is received and acknowledged by the IRB.


Law Society Ireland Guidance on Legislative Changes

 

The Law Society Litigation Committee has highlighted significant risks for practitioners following the legislative changes effective from 4 September 2023. The main concerns are as follows:

  • Previous Practice:
    Under the previous regime, once the Board received a completed application, it would issue a Section 50 acknowledgment, pausing the limitation period for the duration of the assessment. If a claim was close to the limitation period, PIAB would issue a Section 50 acknowledgment and allow the medical report to be provided later.
  • Current Practice:
    This is no longer the case. Now, after submitting either a Postal Application or a Solicitor Portal Application, the IRB will review the application (target review time: three working days, but this is not a statutory limit). The solicitor and/or claimant will be updated on the status of the application.
  • Determination of Completeness:
    If the application is complete and valid, and all information required under Section 11 is provided (including the medical report), the application will be confirmed as complete for the purpose of acceptance by the IRB and for the purpose of the Section 50 acknowledgment. The effect will be from the date the complete application was received.

 

If any information is missing (including the medical report), the IRB will give 28 days to supply the missing information. If the information is not provided within this period, the IRB will close the file.

Crucially:

If missing information is subsequently provided and the application is then deemed complete and valid, the effective date for the purposes of the Section 50 acknowledgment will be the date when the last piece of missing information is provided—not the original filing date.

  • Increased Risk:
    The Law Society of Ireland recommends extreme caution with claims being filed with the Board following the commencement of these changes, particularly where the limitation period is close to expiry. Practitioners must ensure that all required documentation, especially the medical report, is included at the time of filing to avoid the risk of the claim being statute barred.

 


The Doctrine of Estoppel and Limitation Defences

 

The principle of estoppel can prevent a defendant or insurer from relying on the statute of limitations as a defence if their conduct has misled the claimant into believing that the limitation period would not be enforced.

Read our previous article on the Doctrine of Estoppel and Limitation Defences in Ireland.


Requirement of an IRB Authorisation for Personal Injury Summons

 

Since 31 March 2005:

  • Claimants must issue a Personal Injury Summons in the appropriate court.

  • The summons must include all mandatory details per Section 10 of the Civil Liability and Courts Act 2004, including IRB authorisation.


Conclusion 

 

Limitation periods in personal injury claims in Ireland are strictly enforced. The IRB Section 50 suspension applies only to complete applications, and recent legislative changes have tightened these requirements. Practitioners must ensure compliance to avoid claims becoming statute barred or losing defences under estoppel.

Contributory Negligence in Ireland: How It Affects Personal Injury Claims

Contributory negligence is a fundamental principle in Irish tort law.  Those at the coal face of insurance defence litigation in Ireland will know that it is frequently relied upon in defending personal injury claims.

Contributory negligence is alleged when a claimant is believed to have contributed to their own injury or loss by acting negligently. For insurers and risk managers, understanding this concept is critical to managing liability and ensuring that compensation awards are fair and proportionate.

At Lacey Solicitors, our insurance defence team in Dublin and Belfast provides expert guidance on contributory negligence, helping insurers assess claims, minimise risk, and defend litigation effectively in dealing with claims where the claimant is the ‘author of their own misfortune.


What is Contributory Negligence?

 

Contributory negligence applies where a claimant’s own actions – or occasionally failures to act – contributed to the harm they suffered. In personal injury claims, this principle can reduce the amount of damages awarded.

For example:

  • A driver injured in a road traffic accident while not wearing a seatbelt may see their compensation reduced proportionally.

  • A cyclist failing to stop at a red light who collides with a car may share liability for the accident.

  • An employee injured at work for failing to use provided safety equipment or follow protocols may bear some responsibility.

  • A shopper who slips over a spillage that was clearly marked and cordoned off may have their claim reduced.

Contributory negligence is a principle of fairness and proportionality that apportions liability, reflecting the actions of all parties involved.


Legal Basis for Contributory Negligence in Ireland

 

In Ireland, contributory negligence is provided for under Section 34 of the Civil Liability Act 1961. It is a partial defence, meaning that even if a claimant is partly at fault, they may still recover damages – but these are reduced according to their share of responsibility.

The court applies a two-step approach:

  1. Determine whether the defendant was negligent.

  2. If negligence is established, assess whether the claimant contributed to their own harm and by what percentage.

Put simply, if a claimant is 25% responsible for their injuries, they will recover 75% of the damages awarded. This proportional approach is central to defending claims and ensuring equitable outcomes.


Contributory Negligence from Multiple Parties

 

In complex cases, liability may be shared among multiple parties. For example, a hearing loss claim could involve several employers each breaching safety regulations. In such scenarios, the court allocates responsibility on a percentage basis, with each party accountable for their share of the damages and contributing the appropriate percentage of any final award.

Accurately assessing multi-party liability is crucial for insurers and defence teams to minimise exposure and ensure that settlements are fair and justified.


Contributory Negligence in Irish Case Law

 

Several Irish cases have shaped how contributory negligence is applied.  Our office has previously blogged on Fanning v Myerscough & Anor.

  • O’Connell v. Jackson: Confirmed that a claimant’s negligence reduces, but does not bar, recovery of damages.

  • McGrath v. Trintech Group Plc: Reinforced that contributory negligence is proportional, even when the defendant’s negligence is more serious.

These precedents highlight that contributory negligence is fact-specific and requires careful analysis of all parties’ conduct.


Comparison to Contributory Negligence in Northern Ireland

 

In Northern Ireland, contributory negligence is governed by the Law Reform (Contributory Negligence) Act 1945. Similar to Irish law, it allows the court to apportion liability between the parties involved.

Before either NI or ROI act was passed, the common law doctrine of contributory negligence was a complete bar to recovery. This meant that if a claimant was found to be even slightly at fault for their own injury, they could not recover any damages at all. 
The core reform introduced by both the 1945 and 1961 Acts was the move away from this all-or-nothing approach towards a system of comparative negligence, where courts apportion damages based on each party’s degree of fault.

Author of Their Own Misfortune

 

For insurers, contributory negligence and the allegation that the Claimant was the author of their own misfortune is key tool to:

  • Evaluate claims accurately

  • Reduce exposure in personal injury settlements

  • Defend litigation effectively by highlighting the claimant’s role in the incident

  • Ensure fair settlements that reflect actual responsibility

Common examples seen day to day by insurance professionals include:

  • Failure to wear a seatbelt in road traffic accidents

  • Inadequate stopping distances or inappropriate speed in multi-vehicle collisions

  • Non-compliance with workplace safety procedures

  • Ignoring obvious hazards in public liability claims


Criticisms of Contributory Negligence

 

While widely recognised, contributory negligence is not without criticisms:

  • Minor claimant negligence may disproportionately reduce compensation.  For example take a pedestrian hit by a speeding car, who is deemed to be 10% at fault for not using a pedestrian crossing.   Their award has been reduced by 10%, notwithstanding the defendant’s primary responsibility.

  • Determining the degree of fault is entirely subjective, which can and does lead to inconsistent awards.  Even the degree of a percentage blame can vary widely depending on judicial interpretation.  This makes negotiations difficult and can increase litigation costs where parties may avoid ‘coming to the table’ until they know the identity of the trial judge.

Nonetheless, when applied correctly, it remains a fair and effective tool for insurers defending claims.


How Lacey Solicitors Supports Insurance Clients in Ireland

 

At Lacey Solicitors, our Dublin and Belfast insurance defence team provides comprehensive support at the intial advice stage.  On consideration of the insurers file of papers, we will;

  • Assess contributory negligence and multi-party liability

  • Advise insurers on potential liability reductions

  • Developing tailored defence strategies such as Tenders or Lodgments to reflect any contributory negligence

  • Represent insurers in negotiations and litigation

Our experience and reputation ensures that insurers can defend claims effectively while managing risk and controlling costs.


Contact Us to Discuss a Case Involving Contributory Negligence

 

For expert advice on contributory negligence or defending personal injury claims in Ireland, contact Lacey Solicitors’ Insurance Lawyers using our secure online portal.