There was an actual well performing scam a a few years ago; where a driver would prowl the shopping centre car park’s looking for a car reversing out of a space; while the prowler would slow to a stop and becon you out, as normally happens, prowler would then mover forward hitting your car.. Insurers were paying out as the reversing car stands no chance in court.
As was said earlier, you can be responsible for an accident, but not a fault, crazy.
So the good news is that my daughter passed her test (on the second attempt!). Insurance is due for renewal in October, so hopefully the premium will come down. Do I need to update my policy details now to show that she's no longer a learner driver or wait until renewal?
Thanks @Leo I submitted her updated licence and got notification this morning that I'll be getting a refund of €29.88 (not sure how they calculate this), but still nice to get something back.