Mr. Colm Carey:

The claims account overall has decreased in recent years, but the claims cost is heavily dependent on injuries. Injuries make up approximately 70% of the overall claims cost and, unfortunately, this has increased over the past two years. It might seem like a small movement, but it has increased from 0.8% to 1%. This 0.2% movement equates to approximately 5% to 7% in the rate. The average claims cost for injuries is approximately €40,000 and for accidental damage it is approximately €1,500. It is correct that claims have reduced but, unfortunately, the overall claims cost has increased in recent years.