Ms Verona Murphy:

Yes, we have. We have investigated the possibility but we do not believe that the model would fit. I do not believe the risk assessment would be any different. The captive insurance market is something else. We are hauliers. The FBD model is almost broken as we know it. That was set up by the farmers. FBD is more or less pulling out of our market.

It is incumbent on the Government to provide for us. I do not think we need to enter that market because if the people already in that market are not competing, how will it be any different for us if we are depending on an underwriter?