Gerry Horkan (Fianna Fail) | Oireachtas source

Do we have any data on the percentages involved? Do the five biggest players control 85% of the market? Do we have any idea of the relative strengths of all the players in this market? We are on the second of six days we are spending on this topic. We are hearing similar things from everybody. Everybody seems to identify the problems, but we have not really got any solutions. It is all about data and the lack of them. Everyone has stories and anecdotes about stuff, but we do not know if it is factually correct. We have been here before in 1984, 1992, the late 1990s and the early 2000s. It is very frustrating for us as we seek to act on behalf of our electorate and the country. We kind of sort it and then it all seems to go awry again. We hear that legal costs and medical costs are increasing or that there is more whiplash here than anywhere else. The recommendations in the assessment of the Motor Insurance Advisory Board sound very positive. What do the witnesses hope will happen after we have identified all the problems? Nearly all the 67 solutions were implemented the last time. What solutions need to happen this time? What needs to be implemented if we are to bring about a reduction in the rate of increase or, ideally, a drop in insurance costs?