Kieran O'Donnell (Fine Gael) | Oireachtas source

This is the nub of the matter. We had representatives from road hauliers, the taxi federation and others before us. The witnesses may have seen the presentation. I asked them the direct question of whether they believed a cartel was operating in the motor insurance industry in recent years in Ireland. They all stated categorically yes. The competition authority, about two hours later, moved to instigate an investigation. The witness comes from the other side of the equation and he is an underwriter, the person effectively providing access to motor insurance in Ireland. Is there a cartel in operation at the moment?