Mr. Conor Faughnan:

It is those groupings. Also, anybody who has a claim outstanding for any reason, and anybody with more than one penalty point incident. It used to be the case that if someone had just one penalty point incident it did not affect their insurance hugely but it does now.

There is another smaller cohort about which I have had some conversations with people, namely, returning emigrants, which is a frustrating one because in terms of somebody who has a perfectly good driving history in Canada there is an assumption of risk. That would be another group.