Car Insurance

IF it’s the same car for all 5 years I don’t think it’s too crazy. I’ve certainly heard worse, especially with a claim thrown in 

For a few reasons

It wouldn't matter once its one of the 3 types of claims mentioned above. If you had a crash or a Third Party claim fair enough. If its Fire, Theft or Windscreen the NCB wont be touched by the majority of companies

It would also depend on what type of NCB Protection cover you had on your policy. There's different types so if you had a Full NCB cover you could have a crash and the NCB wouldn't be affected at all. You could have Stepback cover which would see the NCB "stepback" a few years in the event of a claim, usually 2 years. If you'd no cover then you could lose it completely and go back down to zero

In that case what is to stop me buying a crashed car with €5k worth of damage, report it stolen and then plant it somewhere and say it’s found with all the damage and I then claim for it, you have to draw the line somewhere as well. 

She crossed the road at a pedestrian red light ,I know driver is supposed to be alert/aware of their surroundings but surely the pedestrian shouldn't be getting a massive pay out when its essentially their own fault?

I'd say the €245k was for more than PTSD. That would be very unusual.

If you step into the road and a driver has plenty of time to stop but doesn't, both sides are to blame. It depends on the circumstances of the individual case. If you are 20% to blame for an accident, you still get 80% of the damages you'd be entitled to ordinarily. And if a driver has time to stop completely, or to avoid an accident, and doesn't, then even if their light was green, chances are they will be found almost entirely liable.