Join the Movement – Free Garmin Fitness Tracker

If you want to kick start the new year with some savings on your life assurance or mortgage protection please contact me today. I could save you up to 15% on your life cover & up to 17.5% on your mortgage protection.

Zurich are also offering Garmin Fitness trackers, including a 10% Discount & 6 months cash back offer on term assurance.

Phone Audrey on ‭049 438 0087 Or email For a quote today.

Terms & Conditions Apply. Contact for details.


Meltdown and Spectre: How chip hacks work

Collectively, Meltdown and Spectre affect billions of systems around the world – from desktop PCs to smartphones.

Apple have confirmed all their devices including iPhones are subject to this vulnerability.

So why are so many different devices vulnerable – and what is being done to fix things?

What part of my computer is at risk?

When it is working, a computer shuffles around huge amounts of data as it responds to clicks, commands and key presses.

The core part of a computer’s operating system, the kernel, handles this data co-ordination job.

The kernel moves data between different sorts of memory on the chip and elsewhere in the computer.

Computers are engaged in a constant battle to make sure the data you want is in the fastest memory possible at the time you need it.

When data is in the processor’s own memory – the cache – it is managed by the processor but it is at this point that the newly revealed vulnerabilities come into effect.

Spectre essentially gets programs to perform unnecessary operations – this leaks data that should stay confidential.

Meltdown also grabs information – but it simply snoops on memory used by the kernel in a way that would not normally be possible.

Businessman looking frustrated while using a laptop

Some of the affected chips are used in laptops, tablets and smartphones.

Spectre exploits something called “speculative execution”, which prepares the results of a set of instructions to a chip before they may be needed.

Those results are placed in one of the fastest bits of memory – on the computer’s processor chip.

Unfortunately, security researchers have discovered that it is possible to manipulate this forward-looking system to get the processor to perform operations on memory that it wouldn’t normally do.

Bit by bit, this technique could be used to reveal sensitive or important data.


full story here:

To talk about your options on cyber insurance, limiting your loss when an attack happens, speak to our specialist on Cyber Insurance:

Call us today on 049 4380020 or email: 


Sheridan Insurances.


Christmas Open Hours 2017


Office closes Friday 22nd of December at 6pm and reopens Wednesday 27th of December at 9am.







Life Assurer’s stand with respect to their own product conditions around e-cigarettes?

The growth in e-cigarette usage in Ireland over the the last two years has been phenomenal, with their presence in almost all shopping centres and retail outlets notable.

The concern for all users of these devices and their loved ones is the potential damaging effect upon those who choose to use them as a substitute for nicotine.

Where do our main Life Assurer’s stand with respect to their own product conditions around e-cigarettes?

The image above shows the underwriting conditions that currently apply with the 6 main Life Assurance Companies in Ireland.





Meath Enterprise Week – Join us

Meath Enterprise Week #MEW2017- BNI Royal Visitor Morning

As part of Meath Enterprise Week 13th-17th November 2017  Meath Enterprise are delighted to be partnering up with BNI Royal once again this year to host BNI Royal Visitors Morning on Wednesday 15th November in the Newgrange Hotel, Navan, Co. Meath from 6.45am-8.30am. This is a FREE event- Register Here.

This morning will give visitors an excellent opportunity to network and make new contacts- “85% of success in business is just showing up”- President of the BNI Royal & founder of Sheridan Insurances, Benny Sheridan. There will also be inspirational speakers as well as each member of the BNI Royal doing a presentation on their business. Visitors to this event are encouraged to bring at least 30 business cards and have an elevator pitch ready on who they are, what they do and how they can add value.

The meeting begins with tea/coffee and open networking at 6.45am and kicks off at 7am finishing at 8.30 am. It is then followed by an optional Networking Breakfast with a cost of €10 payable on the day.

This is a wonderful opportunity open to all business owners, tradesmen, professionals, service providers and new ventures to promote your business and to make new contacts.

To see the full list of events happening throughout the county during Meath Enterprise Week 13th-17th November 2017 CLICK HERE.



Be Safe, Be Seen

BNI Lakelands Virginia members at their recent Networking Event in Virginia Show Centre. The Cavan Business Group Focused on Safety 24/7, and continuing on the phenomenal progress that has been made in our Attitude to Health & Safety on Ireland’s roads.

Pictured are:

Back from left to right: David Finlay, Niall Daly, Craig Lovett, John Maguire, Andrew Pierce, Fintan Cahill, Colin Farrelly, Brendan Maguire, PJ Barry, Kevin O’Connell, Leo Kearns, PJ Madden

Front from left to right: Jean Farrelly, Tony Brady, Des Lowry, Miriam Sheridan, David Preston, Matthew Tormay, Martina Reilly.


Advice to Customers who may have damage or Loss to their Property

  1. A job well begun is half-done, take photographs of the damage, get detailed estimates showing a breakdown of required repairs, Temporary repairs to your property may be required and arranged by you to prevent further damage.


  1. Notify your Sheridan Insurances Broker as soon as possible, our emergency number can be found on . Retain all damaged property on site. At this stage we need to establish if you have cover for the damage or loss to your Property and the policy excess applicable.



  1. Depending on the complexity of the damage, you may wish to appoint an independent Loss Assessor to help you prepare and agree your claim, the Loss Assessors fee plus vat is payable by you, this is a key decision in the claims process to deal with the claim yourself or appoint a Loss Assessor. Some Insurance companies have a panel of approved repairers, and may wish to appoint a Construction Firm to repair your damage. Sheridan Insurances can provide Support, Service and Advice at this stage to help you make an informed decision.


  1. Patience is your best friend during the Claims process; as the Consumer Protection Code is there to assist you deal with Claims in a Professional Manner. We remain contactable during all stages of this Process, to provide our Support, Service and Advice in accordance with the Consumer Protection Code.

Sheridan Insurances is open today – Ex-Hurricane Ophelia

Sheridan Insurances is business as usual.

If we experience any issues with our phone system or power you can still get in touch using:

Benny Sheridan: 086 8368366
Miriam Sheridan: 087 2804501

Kelley Crowe 087 7791451

Please stay safe and do not make any unnecessary journeys. The safety of you and your family is so important.



Now is The Perfect Time To Start A Pension

 What lifestyle will you want? Will you explore the world, help your grandchildren buy their first car or improve your home?

Did you know that up to 41% of your contribution is returned on your Income Tax?

Did you know that you can get full tax relief on your pension life assurance?

Did you know that you can get full tax relief on your pension income protection, which pays up to 75% of your income in the event of you being unable to work?

31 October 2017 is the date by which you must finalise your Tax Assessment for the 2016 tax year and pay any resulting tax liability. An extended deadline of 14th November 2017 also applies if you qualify to file and pay using Revenue Online Service. However, you have an opportunity to reduce your personal Income Tax for 2016 and maybe even receive a refund from the Revenue Commissioners.

This reduction can be achieved through offsetting personal retirement saving/pension contributions made by you before 31 October 2017 against your Income Tax liability for 2016.

Making a pension contribution can be a very tax-efficient way for you to save for your retirement, with relief of up to 40% available against Income Tax for 2016 tax year. And, there are some very attractive features regarding how your pension capital can be used at retirement.

State Pension Changes after 2020

Payable Age Increasing:

The state pension is currently payable from age 66.

From January 2021, the age increases to 67 for those born between 1/1/1955 & 31/12/1960.

From January 2028, the age increases to 68 for those born on or after 1/1/1961.


Employees will have to work for longer before qualifying for the State pension. This will pose particular difficulties for those who have physically demanding jobs. In all cases individuals who leave employment at age 65, will have to wait for some time before the State pension becomes payable


Call Audrey now on: 049 4380087

or email:


10 useful tips for driving in the rain

  1. Plan Your Journey in Advance

If you’re aware of heavy rainfall in advance then it’s best that you plan your journey out before you set off. Know the route you want to take and if it will be effected by flooding, if so try to avoid it. Check for traffic delays and make sure you let friends or relatives know the route you are going to take in case of an emergency.

  1. Check Your Wipers & Your Tyres

You should be checking your wipers every 6 months to ensure they are working optimally. During the warmer summer months the sun can cause them to dry out and crack, so checking the condition of the rubber before the wetter winter months set in is essential. Also, with our weather, over-use is a common occurrence so make sure your wipers are ready for the rainy journey. Here’s our simple wipers DIY guide on how to change them yourself, it really is a 1 minute job!

Next you need to check your tyres. Contrary to popular belief the deep treads on your tyres do not provide grip, those channels and grooves are there solely to disperse water, allowing the smooth rubber sections of the tyre to maintain contact with the road and that’s what provides the grip. On a wet road, If your tyre treads are worn out, there is nowhere for the water to go and the tyre ends up ‘floating’ on top of the water. This is known as aquaplaning and can cause a total loss of steering and braking ability! So in wet weather, the deeper your tyre treads the better.

  1. Fill Up

Last thing you want when driving in the rain is having to stop in the rain! Make sure you have enough fuel in the tank before setting off.

  1. Use Your Lights

Once on the road, make sure you turn on your dipped headlights. Rain reduces visibility so you need to ensure you’re visible to other road users, both vehicles, cyclists and pedestrians.

  1. Slow Down & Keep Your Distance

It goes without saying that you need to slow down when driving in the rain. Wet weather brings slippy road conditions, particularly after a dry spell, so your braking distance is reduced with a higher likelihood of a skid. Slowing down will ensure better control of the car should you lose control or the vehicle in front of you brakes suddenly or gets into trouble. Remember it takes twice as long to stop on wet roads than dry roads so make sure you at least maintain that ‘3 second rule’ but we would recommend increasing this to 4 seconds in the rain.  On top of slowing down and maintaining your distance, try and avoid any sudden movements or sharp steering as doing so will increase the likelihood of a skid.

  1. Keep Your Windows Clear

Heavy rain coupled with high humidity can cause your windows to fog up inside the car. If you have air conditioning, turn up the heat and direct it towards the windscreen to keep all windows clear. Even if you haven’t a/c, pointing warm air to the windscreen will help keep it clear.

  1. Beware of Spray

Spray will come off every vehicle on the road when it’s wet, but it’s amplified the larger the vehicle is. Be aware of the additional spray when either overtaking one or having a large vehicle pass you in the opposite direction. Often additional road dirt will spray up as well, so it’s important that you prepare to give your windscreen an extra wash after it to ensure they are fully clean

  1. Avoid Using Cruise Control

A very nice feature to have in dry weather but one that increases the risk of losing control in wet icon17weather. Why? If the car starts aquaplaning, which occurs when a layer of water build up between the wheel and the road leading to a loss of traction and the inability to control the car, as the car is going at a constant speed you can’t slow down and so it makes the aquaplaning worse. The best way to get out of aquaplaning is to slow down and not braking as this makes skidding worse. So avoid using cruise control in wet weather so you can slow down quickly if needs be.

9.    Beware of Pedestrians & Cyclists

As your visibility diminishes in the rain, awareness of your surroundings must increase. Most importantly paying attention to other road users who are most vulnerable i.e. pedestrians and cyclists is vital. They too will have challenges on the road in the rain, and may have to avoid puddles and floods by stepping or swerving into your path. Slowing down when you see them and being aware of any sudden movements should avoid any accident. When over taking, ensure you leave plenty of room between you and them and try not to splash them!

  1. Responding to a Skidmedium_skids

No matter how careful you are there might come a time when you get a skid and lose some control of the car for example if you take a corner too hard while driving in the rain then you’re more than likely going to skid. The best strategy to controlling a skid is to remain calm and follow these instructions:

If the front wheels skid:

  1. Ease off the accelerator and start to brake
  2. Do not more and more steering lock

If the rear wheels start to skid

  1. Look straight ahead at your travel path down the road
  2. Ease off the accelerator
  3. Do not brake (even though your instincts will automatically kick in and make you want to)
  4. Steer the direction your car is sliding to straighten up.


It’s important to slow down and be more aware while driving in the rain. Lazy driving could result in an accident, so plan your journey, stay alert and in control of your vehicle at all times.