Mr. Conor Faughnan:

I would not think that is consciously the case because why would it be? Even if one's instincts are cynical and mercenary, the one thing one could trust them to do is to act in their own self-interest. Why would their self-interest be served by that because if they are going to collect a premium from a driver, they will be very concerned as to how likely that driver is to make a claim. They are not at all concerned as to the demographic the driver falls into, only in so far as it might help them profile the likelihood or otherwise of the driver making a claim. The Deputy's point is correct, but that is an output rather than an input.