Mr. John O'Donoghue:

I would not go that far because it would take a great deal of choice away from the consumer. That was one of the issues with the reinstatement of properties. I refer to what happened when insurance companies refused to pay any moneys and demanded that properties be reinstated on their terms by their builders. A builder might come from Ballybofey to Dublin, or from Derry to Cork, to carry out repairs on behalf of an insurance company.