Mr. Jerry O'Dea:

Mr. O'Keeffe and Mr. Cribben both alluded to the issue of public liability and the lack of information. An insurer who may want to come into the market does not know what he is dealing with. I outlined my own story earlier. There was absolutely no reason other than the company wanting to reduce its exposure. It is like every publican is the same basket. Senator Burke mentioned that somebody who had three claims over the past number of years was suddenly faced with a 300% increase in his insurance premium. That might be extreme but, fundamentally, the lack of information as to what is driving the cost is preventing other insurers getting interested in the market.