Ms Verona Murphy:

I do not know of any Irish underwriter. They are either Canadian, American, Australian or United Kingdom based. They are not coming to Ireland on the basis that they maintain the market is not lucrative or competitive and there is no money in it for them. Clearly, as we see it, that is not the case. The suggestion is to bring in competition, but there is no point in doing so if they are not going to act competitively. What I am saying is that the arrangements should allow us to access the competition in order that we can deem whether they are competitive. Obviously, if we are able to access a far wider market, it is of benefit. If a market player can access ten trucks rather than one, then she will get a far better rate.