Gerry Horkan (Fianna Fail) | Oireachtas source

We were told 92% of premium payers were not making claims, while 8% to 10% were making claims. We are not saying people who should not be entitled to get a claim should get a claim. Is there any hope for the 92% of people who pay in more and more while their car is getting older, they are getting older and they are probably getting better at driving over time? Is there any hope there will not be a 70% increase? I know we are not talking about signalling. Is there likely to be more rather than less stability, based on all the changes the Central Bank has made to put more stability into people's balance sheets?