Mr. Justin Moran:

I will add one point, because the Senator is asking for specific issues and we have already discussed the EU law issue. He quoted an individual who had come to him, who had gone from the age of 79 to 80. One of the issues that is constantly raised by our members is that over the age of 70 they are going for a medical test every year. They are paying for a medical test every year to ensure they get a certificate from the doctor saying that they are fit to drive. They do not get any feedback from insurance companies that this is factored in. There is a group of people who are getting tested medically every year to ensure they are safe to be on the roads. I would have thought, although I do not have the technical expertise possessed by some of the people here who are in the industry, that if somebody is getting tested every year like that, it would have a positive effect on their premium, which our members are not seeing.