Mr. Colm Carey:

In those cases where we have additional data, the person can be charged less. A person could be charged €700 by a direct player but with the AA they could be charged €650. We can then add a commission layer on top of that to service our collection of data and policy. Every direct player will have a certain set cost on top for servicing the policy. We try to deliver that cheaper and then a cheaper premium to the customer.