Mr. Dermott Jewell:

It is a very interesting question because it will always be about the risk. The no claims discount suggests a history of the driver. In other words, he or she is a safe driver and has not had a claim. If there is such a history, it makes logical sense that it should be accepted. If such no claims bonus letters are not being accepted on a regular basis, then it needs to be challenged. I would like to think that it could be challenged here at home, but we are all members of the European Union so it should be easy to seek a quick review and response as to why foreign no claims bonus letters could not be accepted in this jurisdiction. What makes us so special that companies do not want to do so? I would have thought that under EU law they should be required to accept such letters. I am surprised that they are not accepting them. I must put my hands up and admit that I am unaware of the background, but I look forward to finding out about it. I will certainly come back to committee in any way I can. That practice is wrong, however.