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www.thecai.ie
JULY / AUGUST 2018
Get into the swing of summer
with Consumer Choice
MONEY LIFESTYLE PRODUCT TESTS
COMPULSORY PURCHASE ORDERS TRAVEL INSURANCE SURVEY TUMBLE DRYERS
MORTGAGE SWITCHING NEW PACKAGE TRAVEL RULES FREEZERS
PREPAID CARDS SUMMER TREATS HEADPHONES
www.thecai.ie
The
Consumers'
July / August 2018
Association of
Ireland
The Council is the
policy-making body
of CAI. Members are
elected from within
CAI Member Invitation: Annual General Meeting
the CAI's membership
at the Annual General
Meeting.
Thursday 27th September 2018 at 1pm
The Central Hotel
Council 1-5 Exchequer St
Members Dublin 2
Chairperson
Michael Kilcoyne
Vice-Chairperson Agenda
Raymond O'Rourke
Hon Secretary · Welcome
Elaine Bolger · Minutes of meeting of 14th September 2017
Hon Treasurer · Hon Treasurer’s Report
Richard Donohue
Council Members
· Appointment of Auditors
Steen Bruun-Nielsen
· Chairperson’s Address
James Wims ·AOB
Our Reports Consumer Choice Published Material
Reports in Consumer Choice are based on Consumer Choice is published by No part of this publication may be reproduced,
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Consumer Choice,
Managing Editor
brands or models within the class, and the Clodagh O'Donoghue
120/121 Baggot Street Lower,
exclusion of any brand or model should not be
Dublin 2
taken as a reflection on it. Researchers
Tel (01) 659 9430 Róisín Moloney Weekes
Email cai@thecai.ie Atousa Motameni
Social Media:
www.thecai.ie Robert Reidy
1 www.thecai.ie July / August 2018
Contents
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ConsumersAssociationIreland
14 30
22
10 46
MONEY
24 16 FOOD & HEALTH PRODUCT TESTS
22 Compulsory Purchase 9 The Need For A National 30 Washer-Dryers
Of Your Property Skin Cancer Prevention Consumer Choice
What happens when the State Strategy recommends six dual-duty
wants your property? The summer months are a good appliances that are talented
time to reiterate what we all need multitaskers.
to do to safeguard our skin.
24 Saving On Mortgage
Repayments 11 The Big Scoop… 34 Tumble Dryers
New rules are designed to make a survey of summer treats When it comes to dealing with
it easier for consumers to switch Which are the healthier options your soggy laundry, which
mortgage providers to achieve among those tempting icy treats in tumble dryers are worth taking
savings on repayments. the freezer cabinets? for a spin?
26 Prepaid Cards LIFESTYLE 41 Freezers
Compared Our independent labs have put
Consumer Choice considers 14 New Package Travel 13 freezers to the test to find
the use of prepaid cards as Directive some cool customers to take
an alternative to your current Some increased protections for care of your frozen assets.
account. consumers booking holidays
have taken effect.
46 Headphones
16 Travelling Smart Listen up.... Consumer Choice
Consumer Choice explores the has five Choice Buy head-
confusing world of travel insur- phones that make all the right
ance and surveys your policy noises.
options.
2 www.thecai.ie July / August 2018
News Briefs by Dermott Jewell NEWS BRIEFS
Injection of Much Needed Progress
Absolutely Fobulous Idea! Needle phobia is a very real problem that, in many cases,
stops consumers from getting the care they need. In
Increasingly, our cars are operated and controlled by key the US, a survey in 2012 showed that 23% of all consum-
fobs and the car is always in a waiting mode for the fob ers polled did not seek a flu injection because of their
signal. The problem is that thieves can buy legitimate fear of needles. There are now multi-million-dollar
research projects in progress and attempting to create
devices that amplify the fob signal sitting unprotected in
real solutions. Rani is a start-up research body in Silicon
your wallet, handbag, pocket or on a counter at home. Valley that has created the Rani Pill. This is a capsule
Or, they can just copy the code to access the car. This that transports what is a miniscule injection particle past
is something that the motor manufacturing industry and the stomach’s acidic area and into the small intestine.
insurance companies, across the world, are monitoring There, the capsule breaks down, freeing a tiny, inflatable
balloon that drives a micro needle into the intestinal
closely. We have already a large proportion of con-
wall to deliver the dose. This then breaks down and the
sumers who have bought RFID wallets to protect their body flushes it away. Portal Instruments has approached
debit and credit cards from hacking. These protect only from a different angle. It has designed a handheld device
against certain cards that have radio frequency iden- that injects a hair-thin, 450-mph stream of liquid drug,
tification chips embedded in the card. Now, in terms directly through the skin with virtually no pain. Diabetic
sufferers are in significant focus. Zenomics is developing
of motor security we see the introduction of Faraday
a patch that delivers insulin through the skin painlessly.
pouches. These are cloth carrier bags and holdalls that The patch does more. It also measures glucose levels
are lined with foil on the inside. In the majority of cases and injects insulin when the levels become too high.
these are inexpensive. However, if you really wish to Last year, the company raised $5.8 million to commer-
save money then following the advice of a retired FBI cialise the patch. The Afrezza inhaler delivers insulin
needle free. It is designed for people with diabetes to be
cyber security expert from New York will do it. She
taken before meals to counteract rising glucose levels
recommends wrapping your fob in aluminium foil as the associated with eating. It is available on prescription in
cheapest and simplest - but effective - solution. the US.
Over – and possibly – On the Moon
The Blue Moon Brewing Company is a brand of the Miller-
Coors Company. It is based in Colorado and produces a
Belgian-style white beer. Now, Blue Moon’s former brewer
is launching three marijuana-infused, non-alcoholic drinks.
Initially to be available only in Colorado later this year, the
alcohol will be replaced through an infusion of special mari-
juana formulas, which the advertising states is ‘designed
to mimic the effects of booze’. (I kid you not!) US federal
law prohibits brewers from using marijuana in their beers.
This concoction, because it lacks alcohol, avoids that fed-
eral ban, even though marijuana itself remains illegal. The
long-established brewer outlined how, since retirement,
he has become a believer in the plant's benefits, especially
when paired with the technology developed by his partners
at Colorado company Ebbu, which specialises in extracting
and analyzing marijuana compounds.
July/August 2018
www.thecai.ie www.thecai.ie 3
July / August 2018
Eir Mail?
An Post recently made a Island. It is understood that
‘test mission delivery’ using An Post is considering more
a drone as a part of plans plans to incorporate drones
to see how the technology to complement its service
can benefit consumers in rural locations. While
who live in secluded areas. not entirely stretching the
This was the first time such boundaries of innovation in
a method was used and, terms of easy identification,
while the package was the drone, which was
quite small and the journey nicknamed ‘Postman
a quite short one, it was Padraig’, is advised by An
nonetheless a success. The Post to not being determined
small parcel was sent from as a replacement for the
Roonagh Pier in Co. Mayo regular postal service any
to the lighthouse at Clare time soon. A great pity!
Scientists Pit Their Wits Against Nature
It took scientists a while to under- the ones responsible for the great
stand that body odour (BO) is not and powerful odour. It would appear
created by sweat but rather the bac- that what is referred to as the ‘trans-
teria that thrive in it. It’s that a bac- port protein’ is the enabling trigger
terium that creates that unpleasant for bacteria to capture the odourless
and pungent odour that can bring compounds and transform them into
people in the vicinity to move away sweat.It therefore follows that this
at a great speed. Now, a team of could allow deodorant producers to
scientists in the UK has determined modify their products to focus on
how that bacterium actually trans- the targeting proteins and produce
forms odourless compounds to the reformulated and inhibiting content
highly unpleasant and unbearable to resist all attempts by the bacteria
smells. It is a small number of spe- to produce BO. It’s either that or
cies of Staphylococcus bacteria are soap and water.
Opening At 17:59 We Presume
The Guinness Open Gate ale, American wheat beer and
Brewery & Barrel House will a barrel-aged Belgian stout.
open on August 3rd near Within the brewery is a larger
Baltimore - the first US brewery taproom where visitors can
Guinness has operated in more come to try the beers and take
than 63 years. The new brewery guided or self-guided walking
will produce Guinness Blonde tours. The cost of the project,
American Lager as well as some which includes a packaging
experimental beers and barrel- and warehouse operation, is
aged beers. The brewing team at about €70 million. Guinness will
the new Guinness site is already employ 200 people at the site,
brewing beer and has some which also includes a 270-seat
beers ageing in barrels. Popular restaurant that will open later in
Guinness beers - some shipped the month.
from Ireland - are already on
tap at the site. Experimental The Guinness Open Gate Brewery &
beers brewed on site include a Barrel House, located just south of
milk stout, coffee stout, cherry Baltimore, is scheduled to open to
stout, India pale ale, rye pale the public on 3rd August 2018.
July/August 2018
www.thecai.ie 4
July / August 2018
www.thecai.ie
MONEY NEWS
Money News Money News by Róisín Moloney Weekes
“The Back to School Clothing and
Back to School Footwear Allowance scheme is open
Clothing and Foot- for applications and will not close
until 30th September 2018”
wear Allowance
It is that time of year again when families or a local social welfare office or Intreo autumn of 2018.
are subjected to the ever-increasing Centre. Alternatively, you can request an There are income limits in order
costs of returning to school. For many application form by texting “Form BSCFA” to qualify for the BSCFA and all your
families, this is a financially stressful time followed by your name and address to dependent children are taken into account
and the allowance known as the Back to 51909 or by emailing BSCFA@welfare.ie. for these limits. Your total household
School Clothing and Footwear Allowance In order to qualify applicants income includes your main social welfare
(BSCFA) is available to help meet the cost must be getting a social welfare payment, or Health Service Executive payment
of uniforms and footwear for children participating in an approved employment and other incomes such as wages or
going to school. This scheme is open for scheme or education or training course maintenance. Savings and investments
applications and will not close until 30th recognised by the Department or involved (including property, but not your home)
September 2018. While the Department of in an Area Partnership Scheme. In general, are assessed also. Allowances such as
Employment Affairs and Social Protection you must be getting an Increase for child benefit or rent supplement are not
pays BSCFA automatically to many a Qualified Child with your payment taken into account. The weekly limits for
consumers, if you have not received a but there are some exceptions to this. couples for 2018, which increase as per the
notification letter by now or if you are Moreover, your child must be aged number of children, are outlined in Table 2
applying for the first time then you will between 4 and 17 years on or before 30th and the weekly limits for single parents for
have to fill an application form available September 2018. If they are aged between 2018, which again increase according to
to download at http://www.welfare.ie/en/ 18 and 22 years, they must be returning the number of children in the household,
pdf/BSCFA1.pdf or a form can be picked up to full-time second-level education in are outlined in Table 3.
from a local Citizens Information Centre, a recognised school or college in the
Table 1: Savings and investment
Capital Weekly Means Assessed
First €5,000 Not taken into account
Next €10,000 €1 per €1,000
Next €25,000 €2 per €1,000
Balance €4 per €1,000
Table 2: Weekly income limits for
couples in 2018
Couple Income limit
1 child €587.20
2 children €619.00
3 children €650.80
The allowance paid for each eligible child aged 4 to 11 years on or before
4 children €682.60*
30th September 2018 is €125. The allowance paid for each eligible child aged 12
*The income limit is increased by €31.80 for each additional dependent child.
to 22 years on or before 30th September 2018 is €250. Children aged between 18
and 22 years must be returning to full-time second-level education in a recognised
Table 3: Weekly income limits for lone school or college in the autumn of 2018.
parents in 2018 While school costs seem to increase year on year, the allowance paid to
Lone parent Income limit those eligible for the BSCFA will cover arguably only a fraction of the real costs of
1 child €425.10 returning to school. Barnardos’ School Costs 2017 Survey estimates that the real
cost of returning to school for a senior infant pupil is approximately €355, €395 for
2 children €456.90
a fourth class pupil and €800 for a first-year secondary school student. Barnardos
3 children €488.70 recommends that the Back to School Clothing and Footwear Allowance be restored
4 children €520.50* to the 2010 rate of €200 for primary school children and €305 for a secondary
school pupil.
*The income limit is increased by €31.80 for each additional dependent child.
www.thecai.ie July / August 2018
5 www.thecai.ie
Economic Growth Continues
According to the latest Quarterly Economic The findings suggest that, given the market. In terms of current house price
Commentary from the Economic and Government’s commitment to the National developments, recently published data
Social Research Institute (ESRI), strong Development Plan in the medium term, from the Property Services Regulatory
growth is likely to persist in the Irish there is little or no scope for reducing the Authority suggests that house price
economy through 2018 and 2019. Based on overall tax burden, which would further increases are more significant at the lower
underlying trends in taxation receipts and stimulate the economy. end of the market.
overall consumer and producer sentiment, The ESRI Commentary also This ESRI commentary
GDP is expected to grow by 4.7% in 2018, focuses on the recent productivity also highlights certain external risks
followed by 3.9% growth in 2019. estimates produced by the Central Statistics to continued domestic economic
Current forecasts incorporate Office. This data now distinguishes performance. Uncertainties at a European
the technical assumption that a European between sectors dominated by foreign- level, whether through Brexit or in other
Economic Agreement (EEA) will be owned multinational and domestic member states, present challenges to a
established between the UK and the EU - enterprises. The availability of this granular small open economy like Ireland. Any
obviously this remains somewhat uncertain data allows a better understanding of reduction in global economic activity, such
presently. Unemployment is expected to underlying economic activity in the Irish as through a reduction in trade openness,
decline to 5.6% in 2018 and 5.0% in 2019. economy. would have a material impact on the
Concerns around overheating The rate of credit growth in domestic economy. Given the state of
in the Irish economy were examined and the Irish economy is examined and it is global politics currently and the challenges
in particular with reference to two fiscal reported that while stocks of credit are still of Brexit creating uncertainty, these
scenarios - firstly, one that increases quite low, growth rates in household credit external risks appear to be closer than
public capital expenditure and, secondly, have been rising significantly mainly as a usual.
one that reduces personal taxation rates. result of increased activity in the housing
Gift Vouchers - five years to use
Consumer Choice has reported in the past on possible. more and more gift vouchers being purchased
numerous occasions the difficulties that arise In the past, previous Ministers have each year. Of the vast amount of gift vouchers
with the increasingly popular gift voucher proposed such reforms designed to regulate the purchased annually, it is estimated that up to 20%
concept. One major difficulty with gift vouchers sale of gift vouchers and, in particular, proposed of vouchers are not redeemed. In many cases, a
is the fact that retailers are not required to give an outright ban on expiry dates. This was met voucher is part used and the balance often goes
a minimum expiry limit. In many cases, gift with opposition by businesses, which protested unused. Retailers can refuse to give change and
vouchers must be used within six months of against the proposal to completely ban expiry they can impose all sorts of unfair conditions.
purchase or the consumer will be penalised in dates and, ultimately, this effort was stopped in its While retailers are not all bad and many will
some way. tracks. honour an old voucher, there is no guarantee and
The Minister for Business, Enterprise Consumer Choice greatly welcomes it is totally at the discretion of the business. In
and Innovation has announced plans to introduce the introduction of five-year expiry dates for gift some cases, consumers might just be better off
a minimum expiry date of five years for all gift vouchers. Gift vouchers are an ever-increasing taking a risk on purchasing the wrong gift, which
vouchers. Unfortunately, no precise timeline for popular option for consumers and are now can be returned or re-gifted, than going with the
the enactment of the proposal has been given the number one Christmas gift choice in the gift voucher.
but it is claimed to be at an advanced stage and US. European trends indicate that consumers
hopes to be brought to Government as soon as are headed in the same direction here, with
Ticket Checks
Demand for sporting or music events the purchasing credit card as well as you have paid by cash or credit card your
is often high and for some events identification requirements. name will be printed on your tickets and
securing that all-important ticket proves For example, in the run-up to the you will be required to bring valid ID, or a
extremely difficult. It may be your or your massively popular Ed Sheeran Irish tour, photocopy, to gain access to the show."
child’s favourite team, band, festival or organisers Aiken Promotions published a
a once-in-a-lifetime event and with the statement which included the following: If you do purchase from an
desire to attend comes the temptation individual or organisation that is not the
to get that ticket at all costs. You may be "For tickets purchased online: To gain main ticket agent for the event remember
tempted to do business with a tout and access to the concert you are required that you may be denied access to the
buy an overpriced ticket. This is not as to bring your tickets along with the event. Where possible, you should
straightforward as it previously was and, purchasing credit card or a photo/ buy tickets through the official channel
in many cases, promoters and organisers photocopy of the credit card and a valid or authorised sellers only. Always
are putting restrictions on tickets, such form of ID to reflect family name. check promoter/event restrictions and
as requiring presentation or photo of For tickets purchased in outlets: Whether recommendations.
July
July//August
August2018
2018
6 www.thecai.ie
www.thecai.ie
PRODUCT/TECHNOLOGY NEWS
Product/Tech News
Getting older people online
If someone you know is keen to get online total population aged over 65.5 years. over. The programme started in 2006
but has yet to make the leap, assure them As noted by Justin Moran, and, since then, Age Action has provided
that it is never too late to learn and that Age Action's Head of Advocacy and computer training to 32,000 people
free training courses are on offer to help Communications, a whole generation in 14 counties with the assistance of
them take the first step. As the online of older people has been cut off from thousands of volunteers. Small groups are
world increasingly takes hold, there are the benefits of being able to use the trained in a range of venues that include
some in our community who are being internet. Moreover, this digital exclusion libraries, community centres, corporate
left behind. Although there are plenty of is becoming a significant problem as offices, schools and colleges. Since 2017,
octogenarians and nonagenarians that service providers, such as banks, push funding has come from the Digital Skills
happily surf the web daily, shop online their customers to do their business for Citizens grant scheme run by the
and take advantage of all the internet online. Government services are also Department of Communications, Climate
has to offer, there are many in older age encouraging people to move online for Action and Environment.
brackets who have yet to embark on a filing tax returns or renewing driving To address the digital exclusion
digital journey and who could do with licenses and passports. Such actions make of older people in Ireland, Age Action has
some help to start them on the right track. it increasingly difficult for older people to called for greater funding from the Digital
Earlier this year, Age Action, the obtain information and access services. In Skills for Citizens scheme, an increase in
national independent organisation for addition, older people unable to use the the Telephone Allowance to help with
older people, highlighted the high rates internet may be losing out financially by the cost of accessing the internet and the
of digital exclusion being experienced by not being eligible for discounts for online roll-out of a national digital skills learning
those aged 65 years and over in Ireland billing, for example. programme, among other things.
and the need for urgent support to Mr Moran further notes the huge The Getting Started Computer
tackle this problem. Figures compiled by social benefits for older people who are Training programme is available in dozens
Eurostat reveal that 50% of people aged online, as it can represent a vital link to of locations throughout Ireland and if
between 65 and 74 years in Ireland have family and friends, an outlet to explore you have a friend or family member who
never been online. In the UK, this figure is new hobbies and interests, or a means might be interested you can fill out a
just 16%, showing how far behind we are of highlighting social issues and even form for them at https://www.ageaction.
in this respect compared with our nearest starting businesses. In addition, research ie/how-we-can-help/getting-started-
neighbours. Ireland is also significantly shows that access to the internet and all it computer-training/sign-up. Alternatively,
below average in terms of internet use offers can reduce depression among older below are contact phone numbers for
among this population group compared people by as much as 30%. various locations around the country
with other European countries, with 37% As outlined by Age Action, a where you will be able to get further
never having gone online in the EU 15. In number of barriers are preventing older information on the Age Action courses on
terms of internet users aged 75 years and people from getting online, including offer.
older in Ireland, the 2013 National Digital ageism, a lack of confidence, the absence
Strategy described these numbers as of broadband locally, and cost. One key Dublin, Wicklow, Kildare & Louth
"neglible" with an estimate that only 3% project being run by Age Action for the tel: 01 4756989
of this age group go online. Taking the last number of years is its Getting Started
Eurostat figures, Census 2016 statistics and Computer Training Programme that aims Cork & Waterford
the National Digital Strategy estimates, to tackle the confidence issue among tel: 021 2067399
Age Action suggests that almost 440,000 older people and provide free training in
older people in Ireland have never been the use of smartphones, tablet pcs and Galway, Mayo & Leitrim
online, translating into nearly 70% of the computers to those aged 55 years and tel: 091 527831
Product News by Clodagh O'Donoghue
The products featured on these pages have
not been tested by the Consumers’ Association of Ireland and their inclusion
here is not, in any way, an endorsement of them.
7 www.thecai.ie July / August 2018
A matter of trust
A new international standard is looking to In June, the International that they are a genuine customer by providing
regulate consumer online review websites Organisation for Standardisation (ISO) contact details. Although the customer can
to make them more trustworthy. Before published a new standard that sets out still choose to remain anonymous online, they
making a purchase either online or in store, requirements for how organisations can will have to give their contact information
it makes sense to see what other people effectively manage review sites and providing so that the retailer can check the reviewer
have to say about the product or service. recommendations that will help increase is genuine. This new standard is currently
One benefit of the internet is that you have consumers’ trust and protect suppliers from voluntary but organisations that choose to
access to a worldwide panel of opinion in exploitation. ISO is an international standard- adhere to it will show that they value their
the form of online consumer reviews. New setting body comprised of representatives customers and are committed to providing
websites have sprung up dedicated to allowing from various national standards organisations, reviews that consumers can trust.
consumers share their views on a vast range including the National Standards Authority of
of products and services and suppliers are Ireland. ISO 20488:2018 Online consumer
actively seeking consumers’ opinions as a reviews – Principles and requirements for
way of proactively engaging or responding their collection, moderation and publication
to feedback in order to retain customers and is a standard that can be used by any
gain new ones. Although it can be helpful to organisation that publishes consumer reviews
hear other people’s experience before parting online, including the suppliers of products
with your hard-earned money, the problem and services collecting reviews from their
is gauging how much trust you can put in own customers, a third-party company
the user-generated reviews. Controversies contracted by the supplier or an independent
surround incidents involving fake reviews, organisation or website. The standard details
reviews by a customer with an axe to grind, or good-practice strategies for the whole process,
false negative reviews written by a competitor, from collection of the reviews through to their
not to mention tales of companies editing or selection and publication.
weeding out unfavourable testimonials and Among other things, the standard
other shady dealings. requires anyone posting a review to verify
Guilt-free sipping
With single-use plastics like straws facing cleaner and can be pulled through the
a potential ban in the EU and elsewhere straw to rid the inside of any debris.
as a way of curbing the massive pollution This little item comes at a time
problem they present, an alternative when plastic pollution is looming large
for dedicated straw users may be as a major challenge for the planet
needed. Enter the FinalStraw, which is and as such, the enthusiasm shown
being touted by its manufacturers as on crowdfunding website Kickstarter
the world’s first reusable, collapsible for the FinalStraw may not come as a
straw and “the greatest advancement huge surprise. The designers turned
in sucking technology – since, like, to Kickstarter with a modest funding
forever.” The stainless steel tube folds goal of $12,500 and received pledges
like a tentpole to fit into a dinky case of an astounding $1,894,878 from
that measures 7.3cm x 3.3cm x 2.7cm 38,443 backers. Having received such
and can be attached onto a key ring for a positive reaction, the manufacturers
ease of accessibility. When a sipping are set to begin shipping the FinalStraw
opportunity arises, the straw assembles to anywhere in the world from this
itself into a rigid pole as you pull it from November. Currently priced at $20
the case and it can be used with all kinds (€17 approx.), the Final Straw comes
of hot and cold drinks. While the outside with a lifetime guarantee and the
of the straw is stainless steel, the inner manufacturers claim that each one can
elastic material is made from medical and save up to 584 single-use plastic straws
food grade TBE tubing and the item can from entering our oceans and landfills
be popped into the dishwasher for ease each year.
of cleaning. The product also comes with
a squeegee, which is a little like a pipe
8 www.thecai.ie July / August 2018
FOOD & HEALTH / Skin cancer prevention
by Clodagh O’Donoghue
The need for a national skin
cancer prevention strategy
The sun does not always shine here in cancers and the summer months are a spending time in shaded areas makes great
Ireland during the summer months but that good time to reiterate what we all need to sense. Be aware that UV rays can come
does not mean we should be complacent do to safeguard our skin. not only directly from the sun but indirectly
about protecting our skin. It is a sad reality The chief cause of skin cancer scattered by clouds or particles in the
that skin cancer is the most common form is ultraviolet (UV) light radiation from atmosphere and reflected off surfaces such
of cancer diagnosed in this country and sunlight. Two types of UV light radiation as snow, water or concrete. Some UV rays
the numbers are rising each year. The Irish reach the Earth – UVA and UVB – and both can pass through glass so if you spend a lot
Cancer Society recently highlighted that are damaging to our skin. We are likely of time beside a window or driving in a car,
Ireland is facing a “skin cancer epidemic” to take care in the sun when we are away some extra protections like sunscreen and
and that urgent steps need to be taken. on holidays abroad or on hot summer clothing are advised.
Estimates indicate that for 2015 the annual days in Ireland but, in fact, we need to be
incidence of non-melanoma skin cancer mindful of protecting our skin even on cool, 2. Covering up: Clothing offers great
is close to 11,000. Moreover, the annual cloudy days here at home. Up to 90% of protection for your skin so cover up as
incidence for the most serious form of UV rays can get through light cloud and much as possible. Be aware that some
skin cancer, melanoma, is estimated to the Irish Cancer Society notes that we all fabric types and clothing provide more
be over 1,000 a year, accounting for 9% need to get into the habit of safeguarding protection than others. For example, dark
of all skin cancers. Sadly, Ireland has one our skin every day in Ireland between the clothes are better at blocking UV rays than
of the highest rates of melanoma-related months of April to September, whatever light-coloured clothes and those made
deaths in Europe, with 159 people dying the weather and whatever our age, as UV from linen, cotton, or hemp let fewer UV
from this disease each year – although new levels are likely to be high enough to cause rays through, whereas stretched fabrics or
treatment advances are offering significant skin damage. That does not mean we need wet or threadbare clothes let more UV rays
hope to patients. However, the annual to stay indoors as sun exposure is the best through to the skin.
number of skin cancer cases is projected natural source of vitamin D and is important
to rise by two-thirds by 2040 to almost for our overall health. So we should still 3. Pop on a hat: Wearing a hat offers good
19,000. In light of these stark statistics, get out and about, enjoying all our usual protection if it shades the face, neck, head
the Irish Cancer Society is calling for a outdoor activities, but we need to take a and ears. A wide-brimmed hat is best
national Skin Cancer Prevention Plan to few sensible precautions as advised by the whereas a baseball hat is not ideal as it does
be published by the end of the year. Such Irish Cancer Society’s SunSmart Code and not provide sufficient shade. Some hats and
a plan would include a strategy to raise outlined below. clothes come with an ultraviolet protection
awareness of the dangers of sun exposure factor (UPF) and are specially treated to
as well as steps to further regulate or SunSmart Code block UV rays from reaching the skin. Be
potentially ban the use of sunbeds. Skin 1. Seek out the shade: Good shade aware that UPF clothing will not provide
cancer is one of the most preventable eliminates up to 75% of UV rays so 100% protection and will need to be used in
9 www.thecai.ie July / August 2018conjunction with shade and sunscreen. Safety first and taking the necessary precautions
Recent research has found that outdoor yourself can go a long way to helping a
4. Wear sunglasses: UV rays can damage workers who spend most of the time child learn how to protect themselves.
the eyes but wearing sunglasses and outside have a higher-than-average risk The Celtic skin so predominant
a hat that shades the eyes will provide of skin cancer. This finding led to the Irish in Ireland is particularly susceptible to
protection. Choose wrap-around Cancer Society joining forces last year damage from the sun but much can be
sunglasses and make sure that they give with the Irish Farmers’ Association and done to protect ourselves against harmful
proper UV protection by checking tags to the Construction Industry Federation to rays. Most skin cancers can be prevented
ensure that they conform with European remind farmers, construction workers and if we make sure to avoid the sun when it is
Standard EN1836 or British Standard BS other outdoor workers, such as gardeners at its strongest, generally from 11am until
27241987. and fishermen, of the importance of 3pm. We also need to examine our skin
safeguarding their skin to reduce the risk regularly and pay attention to any early
5. Use sunscreen: Sunscreen should be of skin cancer. Farmers, in particular, are skin changes.
used in conjunction with shade, clothing, advised to structure their work so that, In Australia, a country with
and sunglasses to provide the best as far as possible, they are in the shade one of the highest rates of skin cancer in
protection. Choose a sunscreen that when the sun’s rays are strongest between the world, public awareness campaigns
protects against UVA and UVB and apply 11am and 3pm and that they take extra started 30 years ago are now seeing
to dry skin 20 minutes before going care around midday. In addition, some results and the number of melanoma cases
outside. You may need to use more than chemicals used on the farm, such as among younger age groups is falling. The
you think – with recommendations that creosote, can make skin more sensitive Australian experience demonstrates the
you should apply 35mls of the product to to UV rays so extra care is needed when significant benefits that can be derived
cover the whole body of an average adult, handling these substances. from a comprehensive and well-resourced
including a teaspoon for each leg and half A number of myths surround national prevention strategy. The Irish
a teaspoon for each arm – and you should sunbeds, including the idea that they are Cancer Society is urging the government
reapply every two hours. safer than tanning in the sun and that they to put such a plan in place for Ireland.
are good for skin problems. The harsh fact Until then, we can all commit to informing
6. Check the UV index: The UV index is a about using sunbeds is that they expose ourselves and being smart in the sun to
scale from zero upwards that indicates your skin to large amounts of UV rays and safeguard our skin.
the level of UV radiation that is expected they increase your risk of the most serious
at the Earth’s surface. The higher the form of skin cancer – melanoma – by 15%.
level, the less time it takes skin to burn What’s more, if you use a sunbed before Useful contact
and the greater the risk of skin damage, the age of 35 years, that risk is increased
which can lead to skin cancer. You should by 75%. The level of UV exposure from Irish Cancer Society
check the local solar UV index regularly by sunbeds can be as much as 15 times higher www.cancer.ie
visiting www.met.ie and take all the above than from the midday Mediterranean sun, tel 01 2310 500
precautions if it rises over three. so getting a tan from a sunbed is in no way Cancer Nurseline: Freephone 1800 200
safer than tanning outdoors, even if done 700 (Monday to Friday, 9am to 5pm)
gradually.
Although skin cancer is rare
in children, much of the UV damage
that leads to skin cancer takes place in
childhood and adolescence. In addition,
children’s skin is more sensitive to UV
radiation than adults’ skin. According to
the Irish Cancer Society, skin cancer can
take 10 to 15 years to develop and is the
most common cancer in young people
in Ireland aged between 15 and 44 years.
Moreover, a recent study has shown the
largest increase in skin cancer cases to
be among young city dwellers in higher
socio-economic groups, likely as a result
of sun exposure when pursuing outdoor
leisure activities. Given that people get
most of their sun exposure before they
are 18 years old, it is critically important to
protect children’s skin and to teach them
good sun-related habits that will stand to
them throughout life. Sunscreen alone is
not enough and all steps of the SunSmart
Code need to be followed, even if children
are resistant to such aspects as wearing a
hat or sunglasses. Being a good role model
10 www.thecai.ie July / August 2018FOOD & HEALTH / Summer treats
The BIG Scoop
a survey of summer treats
REPORT by Clodagh O'Donodghue
Consumer Choice surveys some icy summer treats
At a glance
to help parents keep their cool as they try to work out • Summer treats
the healthier options in the freezer cabinets. • Survey findings
• Serving suggestions
With the arrival of the long school holidays, little research they can indulge that holiday available ice pops and ice cream lollies. Facts
summer is traditionally a time when at least feeling by doling out tasty treat options that and figures were found online and in-store in
some of the rules go out of the window. are as low as possible in calories, fat and sugar. June 2018. Many versions sourced were part
Bedtimes may get a little later and the holidays Synonymous with summer are icy treats – ice of multipack offers and we have indicated
are undoubtedly an occasion for the odd cream, ice pops and the like – designed to the portion size each time – which may be
treat. Parents who are working hard to keep help cool you down on hot summer days. And different in some cases to full-sized versions
their family healthy or who have embarked it is not just wee folk who may be tempted – purchased individually. Some portion sizes
on safefood’s Start campaign discussed adults are just as susceptible to the lure of the were provided on the packaging information
in the February 2018 issue of Consumer freezer cabinet. But which of the numerous in millilitres whereas others were provided in
Choice might find themselves torn between products on offer – from lollies to cones to grams. As one is a unit of volume (ml) and the
sticking with the plan and celebrating the sandwich bars – will spell potential disaster other is a unit of weight (g), these two units
summer by relaxing the rules on treat foods. for the waistline, and which are relatively guilt are not always the same numerically. We have
It is never a good idea to ban sweets and free? To save you squinting at the small print, indicated where possible the portion size in
goodies altogether as it only makes them possibly with a small person tugging at your both units. In addition to noting the sugar
more appealing – having said that, the fact sleeve, Consumer Choice has done a quick content in grams, we have also indicated the
remains that many of us continue to consume run-around the freezer cabinets to give you approximate equivalent number of teaspoons
too much sugar in our diet leading to the the scoop on icy treats. of sugar, with one teaspoon equal to 4g of
potential for unhealthy futures ahead. So sugar.
parents looking to keep their children on Our survey Unsurprisingly, the figures on our
the right track will need to keep their resolve In our survey, we noted the nutritional table below confirm that sticking to ice-based,
even during school holidays – though with a information on a range of popular and widely fruit flavoured lollies and pops will keep down
11 www.thecai.ie July / August 2018the calorie and fat content, though depending some summery serving suggestions: kcal, 15g of fat and 21g or over five spoons of
on the product, the sugar content can be fairly sugar – reducing the size down to the mini
significant, with three teaspoons of sugar • Those craving a creamy texture in their treat version substantially reduces these figures by
or more per lolly quite common. When you but who are looking to minimise their calorie almost half.
incorporate an ice cream element, the calorie and fat intake could opt for products that have
and fat content greatly increase – and the an ice cream element but that incorporate a • Not surprisingly, ice cream and chocolate
inclusion of chocolate will push this up further fruity ice shell or other component, such as a combinations make for the most calorific of
still. Solero, Fruit Split or Twister. treats and should be reserved for only the
most special of occasions. For a more regular
• Keep it small. Treats are an enjoyable and treat, fruit-based ice lollies are definitely the
important part of a child’s life but a little way to go. All the better if there is some actual
can go a long way. In the same way that fruit juice in the ingredients list as opposed to
snack-sized chocolate bars can be more than just water and food colouring. The fat content
sufficient, mini versions of ice-cream lollies are of these items tends to be minimal, though the
a great way to give a treat without delivering levels of sugar vary hugely.
masses of calories. Often, supermarkets sell
multipacks and these sometimes contain • Making your own summer ice-based treats
full-sized versions of the product, but on other provides the ultimate control in what goes
occasions the size has been scaled down into the end product and can double as a fun
slightly. And mini versions of popular items family activity. DIY treats can be a simple
are also specifically marketed for both children as pouring some fruit juice into ice-pop
and adults who want the taste without taking moulds. However, more adventurous options
a hit to their waistline. Where we found include blending whole fruits into a fine
mini versions of products available, we have paste, loosening with fruit juice and freezing
noted them on our table. The Twister, in its in moulds to create not only an upmarket
full-sized version, is fairly modest in terms of tasty treat but a sneaky way to increase
calorie count at 75kcal though it incorporates fruit consumption in otherwise potentially
four spoons of sugar. However, it makes for a unwilling children. Another healthy option for
positively calorie-frugal treat in its mini-sized a creamy, frozen dessert is to blend berries or
Serving suggestions version with 41kcal and 7g of sugar - or less fruit with low-fat, low-sugar fromage frais or
When it comes to balancing indulging in a than two spoons. A full-sized Magnum Classic plain yoghurt before popping into moulds and
treat and sticking to a healthy plan, here are makes for a significant indulgence with 244 placing in the freezer for a couple of hours.
Frozen yoghurt - The healthier alternative?
In recent years, frozen yoghurt has become popular as a healthier-sounding alternative to ice cream, but do its health credentials
stack up? Whereas ice cream typically has a significant fat content, frozen yoghurt is generally non-fat or very low in fat, but that
does not mean it is calorie free. Feeling virtuous about choosing frozen yoghurt over ice cream, consumers may be inclined to
eat larger portions but they should be aware that the calories can add up. Moreover, frozen yoghurt may contain more added
sugar than regular yoghurt as sugar can be used in the manufacturing process to create the creamy texture akin to ice cream.
Regular yoghurt can have nutritional benefits such as probiotics that support the immune and digestive systems, but
there is some debate about whether probiotics in frozen yoghurt can withstand the freezing process and make it to your gut
to actually do some good. Some manufacturers, recognising the delicate nature of probiotics, are working to ensure that their
frozen yoghurt products contain the same nutritional benefits as non-frozen probiotic yoghurts but not all yoghurts currently on
the market will achieve this.
Scoop for scoop, frozen yoghurt will pack less of a punch in terms of calories and fat than the equivalent ice cream
measure though the sugar content of the yoghurt product may be the same or even slightly higher. A problem can come,
however, in frozen yoghurt shops that sell by the cup and offer a range of toppings. Nutritional information on the calorie
content of the cup sizes can be hard to find but in one retailer operating in Ireland we found that a 150ml cup of plain yoghurt
contained a fairly modest 118 calories, whereas opting for the large 300ml cup delivers a hit of 237 calories – and that is before
you add any toppings. Indeed, what you add to your frozen yoghurt is really where the calories mount up and can relatively
quickly negate any health benefit you may have derived from bypassing the ice cream shop. To retain the healthful aspect of
your choice of frozen yoghurt over ice cream, you will need to watch the serving size and shy away from sugary toppings like
sprinkles. Even granola, despite its healthy appearance, tends to be sugar laden. Thus, fresh fruit is by far the most healthful
topping option, though if you do want to upgrade your plain yoghurt you could opt for dark chocolate and nuts as toppings, as
these are lower in sugar and bring some nutrients into the mix.
12 www.thecai.ie July / August 2018Table: Nutritional information for a selection of icy treats
Portion size Calories Fat Sugar Sugar content in
teaspoons approx.**
Ice pops
Callippo (cola) 105ml/105g 90 0.5 21 5
Callipo Mini 80ml/80g 75 0.5 15 3.5
Del Monte 100% Juice Orange Ice Lollies 75ml 69 0.1 14.6 3.5
Dunnes Stores Rocket Lollies 60g 49 0 12 3
Gianni's Fruit Lollies* 40g 32 0.5 6.8 1.5
Loop the Loop 65ml/58g 85 2.8 13 3
Ms Molly's Fruit Lollies* 36g 25 0.1 5.2 1
Rowntrees Fruit Pastille Lollies 65ml/69g 60 0 13.2 3
Tesco Rocket Lollies* 60g 39 0.12 8.5 2
Ice cream lollies and bars
Brunch 90ml/60g 170 11 12 3
Cornetto Classico 90ml 187 10 13 3
Cornetto Classico 125ml 236 14 17 4
Feast Original 80ml 234 16 20 5
Gelatelli Fruit Splits 65g 73 2.2 12.4 3
HB Choc Ice 90ml/64g 181 12 15 3.5
Ice Berger 100ml/67g 187 7.3 17 4
Magnum Classic 110ml 244 15 21 5
Magnum Mini Classic 55ml 143 8.8 12 3
Oreo Sandwich 55ml 113 4.2 9.7 2.5
Rowntrees Randoms Minis 30ml 42 0.6 7.7 2
Solero Exotic 88ml 98 2.1 17 4
Solero Red Berries 90ml/75g 111 2 20 5
Tesco Real Fruit Splits* 73ml/64g 68 1.6 11.8 3
Twister 80ml/72g 75 0.7 16 4
Twister Mini 50ml 41 0.5 7 1.5
Milk- and yoghurt-based lollies
Gelatelli Milk Lollies* 38ml/23g 32 0.8 4.8 1
Marks and Spencers Marbled Yoghurt Lollies* 55ml/58g 61 0.7 10.8 2.5
Marks and Spencers Mini Frozen Yoghurt and Sorbets* 50ml/36.5g 50 1 8.5 2
Ms Molly Milk Lollies* 35ml/38g 52 1.9 5.7 1.5
Walls Mini Milk * 35ml/23g 32 0.7 4.6 1
Yoomoo yoghurt lollies mixed berry 55ml 55ml 74 0.5 10.7 2.5
*The nutritional content of different flavours may vary slightly.
**One level teaspoon is equal to 4g of sugar.
Information was found online and in store in June 2018. Nutritional details are per serving as indicated in the portion size column.
13 www.thecai.ie July / August 2018LIFESTYLE/ New package travel rules
New Package
Travel Directive
REPORT by Robert Reidy
New EU rules seek to ensure better protection for consumers booking
holidays this summer and beyond.
On 12th March 2014, the European additional protections and enjoy stronger of transport used; the type, location,
Parliament voted to amend the EU’s 1990 consumer rights. and description of the accommodation;
Package Travel Directive and extend the the timetable for payment; the deadline
protections this directive offered by a vote Package holiday protections for informing the consumer in case of
of 610 to 58. This vote was passed by MEPs Since 1995, thanks to the Package Holidays cancellation; and finally, any taxes or
in an effort to modernise the legislation and Travel Trade Act - the Irish legislation compulsory charges due. If you enter
to reflect changes in how holidays are that implemented the 1990 EU directive on into a contract based on the information
booked and to be more favorable to EU package travel - consumers who bought provided and this information turns out to
consumers making holiday plans. Since package holidays have had significant be false or misleading, you are entitled to
1st July 2018, these amendments and rights, all stemming from how a package claim damages from the tour operator.
extensions are now in full effect under holiday is defined. A package holiday is a Under the legislation, tour
EU consumer law. Previous rules covered holiday that has been pre-arranged and operators based in Ireland must have
consumers who booked a ‘package’ trip sold at an inclusive price by the travel arrangements in place that mean that,
(that is, an inclusive offer combining at agent or tour operator, covers a period of in the event of the company going out
least two of the following elements— more than 24 hours or includes overnight of business, you will be refunded your
transport, accommodation, and additional accommodation, and involves at least money and will be transported back to
services such as sightseeing tours). two of the following elements: transport, Ireland if necessary. With regards to price
However, since the advent of the internet, accommodation, and other tourist services alterations, they are permitted but only
consumers have increasingly been using that make up a significant part of the cost in a limited number of circumstances. The
commercially linked online traders to book and package (for example, guided tours). tour operator may only increase the price
holidays and many of these bookings did Under the 1995 legislation, the if there is an increase in transport costs,
not fall within the definition of ‘package’ information that appears in the holiday such as the cost of fuel; an increase in
as outlined in the legislation. These types brochure or package holiday description is taxes, duties or fees charged at airports or
of bookings are now estimated to account binding on the tour operator and it must ports; or fluctuations in currency exchange
for 120 millions trips a year, and the EU be accurate. It should indicate the price of rates. Moreover, the tour operator cannot
has moved to ensure that consumers have the holiday, the destination and the means increase the price within 20 days of the
14 www.thecai.ie July / August 2018departure date. also provide certain protections for where they are established to ensure
These regulations have for linked travel arrangements. Not all the that, in the event of bankruptcy,
years provided significant safeguards for protections afforded to those who book travelling customers are safeguarded. The
consumers booking package holidays. package holidays will be enjoyed by those insolvency protection schemes must be
However, under these rules, other travel who book linked travel arrangements. effective and must be able to guarantee
arrangements - such as ‘linked travel a concise and prompt repatriation and
arrangements’ or click-through packages Increased protections immediately refund the affected travelers.
- are not considered to be a package As well as the existing protections The insolvency protection guarantee also
holiday and do not provide the same legal afforded to those booking package applies to linked travel arrangements
protections. holidays, there are some additional so that if one of the companies goes
protections that are provided under the bankrupt, the consumer will get their
New rules new regulations. money back.
Now with the New Package Travel
Directive, the expansion of what Information: The new rules provide Cancellation: With the new rules,
constitutes a package holiday offers better for clear information for travellers. travelers now have stronger cancellation
opportunity for consumers to make travel Businesses must inform travellers rights and may cancel their package
plans while still enjoying considerable whether they are offered a package holiday for any reason by paying a
protections and being able to hold the or linked travel arrangement and on reasonable fee. In addition, they may
travel companies liable should something their key rights through standardised cancel their holiday free of charge should
go wrong. The new and updated EU information forms. Clear information must their destination become dangerous -
directive on package travel and linked additionally be provided on the features for example, because of war or natural
travel arrangements better reflects today’s and characteristics of the package, its disasters - or if the package price is
travel booking methods and provides price and any other charges. It is the increased by more than 8% over the
stronger consumer rights. Beginning responsibility of the first travel company original agreed price.
on 1st July 2018, this new legislation to inform the consumer that they have
regarding package holidays broadens the bought a linked travel arrangement Extended accommodation: When
concept of package travel and introduces (rather than a package) and to outline the travelers cannot return from their package
a new concept of what a ‘linked travel consumer’s rights. holiday on time - for example, in the
arrangement’ is. event of a natural disaster - they should
The extension of this new travel Liability: The package organiser is held be provided with accommodation for up
directive covers two types of contracts: liable if something goes wrong, regardless to three nights. Additional nights may be
of who performs the travel services. covered by passenger rights regulations.
1. Package holidays, which as before refers
to packages consisting of two or more Refunds and repatriation: Assistance: The package holiday
elements (airfare, accommodation, tours/ Consumers must be repatriated if their organiser must assist travelers who find
sightseeing etc.), bought from a single travel organiser becomes insolvent or themselves in difficulties, especially by
trader and paid for at the same time. As goes out of business while they are on providing information on health services
well as ready-made holidays offered by a holiday. Companies will have to take out and consular assistance.
tour operator, a package holiday also now insolvency protection in the EU country
encompasses self-customised packages
where a consumer chooses different
elements from a single online or off-line
point of sale. Choice Comment
In similar terms to their action on roaming charges we, again, see the European
2. Linked travel arrangements, which are Commission coming through with change, real change, where it has been needed for
two or more travel services you buy from quite some time.
different traders in separate contracts but These new provisions bring travel and online selling and purchasing into
the services are linked so that one trader line with a significantly changed travel environment. Importantly, the linked elements
facilities the booking of the subsequent will allow consumers seek and receive remedy where their hotel, booked through the
services and they are purchased for the airline website that they chose to fly with, is not as it was described or where the car they
same trip or holiday. An example of a hired, and paid for in advance, is not the model or make they contracted for. Of course,
linked travel arrangement is when the the providers have been very reluctant to accept these provisions and so consumers
consumer books a flight on a website and should be wary and watchful for sites that are not meeting the new high standards of
then receives a targeted invitation to book service now demanded under EU law. This is where we see a very important role for
a hotel on a different website via click national authorities who, we believe, must provide a point of easy access to facilitate
through but the consumer’s information a consumer knowing they are dealing with a properly registered entity based in that
and payment details are not transferred. country. Equally important will be the assurance from Member States, again at a point
All contracts should be concluded within easily accessible, where there is the guarantee that the insolvency protection scheme
24 hours in order to qualify as ‘linked’. fund is in place.
We welcome these provisions as we took an active role at the EU level in
Thus, the new EU rules cover fighting for them to be put in place. Of course, the proof of their value will be through
both pre-arranged package holidays and enactment by providers and enforcement by regulatory bodies in Member States when
self-customised packages and provide they are denied to the consumers who rely upon and, as taxpayers, have paid for their
additional protections for these types very existence.
of holidays. Moreover, the new rules
15 www.thecai.ie July / August 2018You can also read
