Paul Murphy (Dublin South West, Anti-Austerity Alliance) | Oireachtas source

I have a question about young drivers. The report published towards the end of last year relates to the private motor insurance statistics for 2013. The point is made in it that younger policyholders continue to present the highest average surpluses. Will the witness unpack that? Is that indicating the extra amounts being paid by young drivers, on average, for their insurance is above what is justified by the extra risk associated with young drivers? Is that a fair summation of its meaning?