National Fleet Database

garda-stopThe National Fleet Database (NFD) is a fleet and motor trade website (www.nfd.ie) established to assist the Gardaí in their fight against uninsured driving and to comply with national and European legislation.

 

What it means for you?

Fleet Owners and Motor Traders should enter the registration number of each of their vehicles on the NFD website (www.nfd.ie).

 

What happens if you don’t do this?

If checked by the Gardaí, at best your driver will have to provide proof of insurance at a Garda Station within 10 working days; at worst your vehicle will be impounded. This will continue until your vehicle registration has been put up on the NFD, causing frequent and serious business interruption. For example, this could result in a serious delay for a haulage company in making a delivery, meeting a deadline or even missing a ferry transport.

 

How do I do this?

We/insurer will provide you with a UID (Unique Identifier) which will allow you to register and upload your vehicle registrations at www.nfd.ie. This UID stays with you, the fleet owner/motor trader, even if you change insurer and/or broker.

 

Fleet owner/motor trader manual

While the website is extremely user-friendly there is also a fleet owner/motor trader manual available to view or download on the homepage of the NFD website which will walk you through each step.

 

Contact numbers

Should you have any difficulty in using the site or uploading your registration numbers you should contact us or insurer who will advise you on what to do.

 


For more information & FAQs, please check the National Feet Database (NFD) information here. To view the owner’s manual, click here.

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Important Assumptions

For the purpose of determining the term over which pension contributions are made, we have assumed your birthday was exactly six months ago.

If your target retirement age is lower than the age at which the Social Welfare pension commences (age 68 if you are born on/after 01/01/1961, age 67 if born before this date but on/after 01/01/1955 and age 66 if born before 01/01/1955) the calculations allow for funding for this gap, in addition to the cost of the annuity.

You are entitled to a full Social Welfare pension of €248.30 per week as at March 2019 which is assumed to increase by 2.5% per year.

You are saving for the difference between the Social Welfare pension and your target monthly income in retirement.

We have allowed for inflation of your target monthly income of 2.5% per annum between now and your retirement date.

Any other private pension provision you may have in place has not been taken into account.

Your monthly pension contribution increases by 2.5% each year up until your retirement age and is invested in a pension plan with an annual management charge of 1% and a 5% charge on each contribution, in line with the Standard PRSA fees and charges maximum limit.

A Gross Investment Return of 4.2% per annum on your savings. This is not a forecast because the value of your investment may grow at a faster or slower rate than assumed and the value of your investment may be expected to fall from time to time as well as rise.

On retirement you purchase an annuity which escalates at 1.5% each year, has a 5-year guarantee and is payable monthly in advance. The annuity rate assumes a post retirement interest rate of 2% per annum and no spouse’s pension. The actual annuity rate will depend on the selection of dependant’s pension, guaranteed period and the escalation rate, as well as interest rates prevailing when the annuity is purchased.

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