Gerry Horkan (Fianna Fail) | Oireachtas source

The figure we were given last week is 92%. It appears that 90% to 92% of policyholders are paying for 8% of claims. That is the purpose of insurance, so fair enough. My question to Ms Dowling and the brokers, although the brokers may not be able to answer it, is do they believe current behaviour in the insurance market is like a cartel? I am sure all of the witnesses have had dealings with many different insurance companies and underwriters.