Gerry Horkan (Fianna Fail) | Oireachtas source

Did Mr. Dunne also make the point earlier that poor business decisions had been made by insurance companies looking for market share? I thought he made a reference to that in his previous submission, that it was not just about efficiencies in terms of penalty points, fewer crashes and less expensive crashes but that the insurance companies went off chasing the market and that is a cyclical thing. Is that a part of it as well or was it just due to better road safety, better roads perhaps and the fraud campaign?