Mr. Kian Griffin:

The reaction I am getting is primarily online. It is a sense of hopelessness. In most cases, people have exhausted all avenues in trying to shop around. They have tried to see if they can get their insurance from a company based in Spain. They have tried, for example, to see if they could get group insurance, if they got ten or 20 motorists together, to see if they could get a collective discount. Many people have been sending me suggestions to perhaps try the no-fault system, which they have in New Zealand. I have been sent quite a few documents on that. The feedback I am getting is that people just do not know where to go or how to go about bringing their premium down. It is a sense of hopelessness that is feeding into motorists consciously deciding to drive uninsured, which is feeding into the problem again. It is starting quite a vicious circle.