Mr. Conor Faughnan:

That has probably been the actuarial experience. I find myself having this conversation frequently on radio phone-in programmes and so on. What I give by way of an analogy, and it is a little trite, and I am not trying to be simplistic, is that they are a bit like bookies. A bookie will not give someone the same odds on Dublin as he does on Leitrim, and there is no element of discrimination in that. It is mercenary; it is actuarially calculated. For a car of a given age, for whatever reason, my claims likelihood is "X" and that is 20% higher than my claims likelihood for a car that is of a younger age. I can price accordingly without troubling myself about the "why". When insurance companies do that, which they do because it is in the nature of how they calculate, inevitably that identifies incidents of unfairness. That is a feature of the landscape.