Mr. Neil McDonnell:

That is why we suggested rehabilitation in the first place. If one looks at the French system for that, not alone do they have rehabilitation as part of their mechanism, but they also only permit diagnosis of whiplash from a confined field of specialists. It is not a free for all. I heard shock and horror from the legal profession last night that anyone would entertain the French system. In France, one cannot go to one's GP and get a diagnosis of whiplash for insurance purposes. One would go to a specialist. I do not want to disagree with the IRHA but most of the underwriters in Ireland at the moment are non-Irish; they are substantial houses. I will not mention any of the company names but one of our operators quoted her experience of going through the motor book. The only company that gave her a quote is the one insuring the company. It gave her a 35% increase on the previous year. All the rest, which are household names, either quoted an unrealistic quote, showed no interest in winning the business, declined, exited the market or declined to quote haulage. Ironically, the company that declined and will not quote haulage is insuring another member so I know they are quoting haulage. We are definitely dissatisfied with what is happening in the market as far as underwriters are concerned. Our services manager is an insurance professional and when we have spoken directly to underwriters, the message we are getting from some of the recently exited companies is that they recently entered the market and got burnt. They stated they got burnt because of lack of information on the 70% of what was going on. There is only visibility on the 30%.