Mr. Jerry O'Dea:

Many of the stories are anecdotal but there is no smoke without fire. I know of one case where a claim was lodged after 15 months. The vintner had CCTV footage, having filed away disks. The person apparently was not even on the premises at the time of the event. A year and a half later, one is trying to find evidence, eyewitnesses and staff. Our business is transient when it comes to staff. For example, people work part time in pubs while attending college and so on. The two-year provision is a problem for vintners. Somebody can come along two years after the event and say, "I fell". If I do not have CCTV footage or any other evidence, the claim will be settled by the insurance company and I will not know why, how or for how much.