In this episode, Niall reads an email from a listener — a father of four — who says his car insurance has skyrocketed to over €2,000 after a small accident last year. He explains that, on his modest income, he simply can’t afford it, but still needs to drive to work to support his family. Feeling trapped, he admits he’s considering driving without insurance — something he says he “hates doing,” but feels he has no choice.

Niall asks the hard questions:

🚗 Should driving without insurance mean an automatic jail sentence?

💔 Do you have sympathy for this listener’s situation — or does the risk to others outweigh his struggles?

💶 And why are insurance costs in Ireland still pushing ordinary people to the brink?

Join the conversation as Niall explores the human side of tough laws, the fairness of insurance pricing, and the moral dilemma faced by thousands in similar situations.