Ms Verona Murphy:

We did have an aggressive culture in the management of insurance some years ago. That was seen as something that was detrimental to the insurance market. I do not agree with that. The aggressive nature of that operator, which is no longer in the market, served the consumer best. If a haulier is undercutting his rate, he will go out of business. In this instance, however, we are being put out of business. We are not entitled to come back into the market like these companies are because the undercutting haulier, as they would see it, is gone. They can charge what they like and survive but put us out of business in the meantime.