Mr. Neil McDonnell:

The significant issue is at the lower end of the book of quantum. If one is talking about a catastrophic injury or death, the claims process becomes a little bit clearer and a decision is made either to fight or concede. At the lower end the difficulty is that if a claim for up to €10,000 comes into any operator, there is no fiscal incentive for insurers to fight it when they can just pay €7,000 or €8,000 and add it to the operator’s insurance in the same year. It is at the lower end that the disconnect is evident and that is where the book of quantum is poisoning the well.