Gerry Horkan (Fianna Fail) | Oireachtas source

Okay. The very first meeting we had with the Minister of State gave us all a bit of a laugh. The Minister of State said that we need to manage expectations. He has alluded to that again today. My insurance is coming up in March and everyone else's will come up at some time during the year. I know the Minister of State might not be able to say it, but what are people supposed to expect this year? Does he think the rates will go up or down? What can we do to try to make sure they stay down? We have talked about our report and the Minister of State's report. However, people will get that notice in the door, usually with a massive increase, as the Minister of State said. People will shop around a bit and then go back to the original company and get a big increase, though not as big an increase as it was. Where are we on that?