Kieran O'Donnell (Fine Gael) | Oireachtas source

I have two final points to put to Ms Cronin. I had a quick look at some of the rulings made by the Court of Appeal since November 2015, when it appears to have got going. In some areas, the Court of Appeal appears to have significantly reduced the awards made in the High Court. As Ms Cronin is probably aware, the reductions vary from 30% to 50%. I assume that is factored in. As we have heard, 14 companies - a majority of the 22 companies in the market - account for 40% of the market. This figure has increased from 30%. Can their customers be assured that the companies selling motor insurance to them are solvent? How does Ms Cronin see the future for ordinary motor insurance customers over the next five years? What would all the witnesses recommend in terms of policies from a regulatory end, from the perspective of the insurance companies and from a legislative end, in terms of the Government and the Legislature?