Mr. Paul Kavanagh:

That is correct. I would advise everybody to complete proposal forms. I am not an advocate of doing the business over the phone or on the Internet, where many assumptions are made. Websites assume X, Y or Z or assume a house is more than 100 m from a water source and in an area that has never had flood or subsidence issues. However, as we now know, in both Glanmire and Blackpool we have come across hundreds of people who thought they had cover, having bought it on the Internet, but then discovered they had no cover because they did not answer the question correctly, as the assumption was made otherwise.