Mr. Padraig Cribben:

We have had engagement with individual insurance companies that are very reluctant to insure proprietors who drive people home at night. Effectively, if a person drives a customer home at night, it is as if he or she is bringing a friend to wherever. It is a significant headache for those who want to do it. If people are to do it on something akin to a commercial basis without charging - if they want to be fully insured - the premiums would be excessive if somebody actually provides insurance. Getting the insurance is difficult.