Ms Verona Murphy:

We see this as predominantly just an Irish problem. We do not have a large market. We are probably one of the smaller markets in Europe. I have members who are dual operators. They have re-flagged on the basis of cabotage laws - different types of laws - but not because they want to leave Ireland.

The insurance on that Polish truck has increased by €200. Insurance in the UK has increased by 11%, which is nowhere near what is happening here. We have enough underwriters in this market to support the size of the sector. It is based on competition and how it is administered, but there is none.