Paul Murphy (Dublin South West, Anti-Austerity Alliance) | Oireachtas source

An issue for this committee and for everyone who follows these proceedings is assessing the balance in terms of the causation factors for the premiums increasing.

Obviously, an element of that is profit. According to the blue book, over the past 20 years, something like €2.86 billion in pre-tax profit has been made by insurance companies. It is a lot of money. Clearly, if the profit was taken out, that is a cost, at least in theory, that would not have to be paid by policyholders. Has AA Ireland done any research? I have not met many who have done research on alternative models, for example, in New Zealand, Canada and Australia. Is that something AA Ireland has looked into?