Mr. Kevin Thompson:

I will take up on that point. Mr. Davitt made reference to people coming back to the country. We have, through the cost of insurance working group and the Department of Foreign Affairs and Trade, developed a protocol which all insurers will follow. It covers the evidence that people returning to the country will need to give to insurers in order to obtain insurance at a reasonable rate.

I accept Mr. Davitt's point on younger drivers. While I cannot comment on individual cases, insurers will price according to the risk presented to them. That said, we represent all of the carriers in the marketplace and would strongly encourage people to shop around. We also encourage them not to accept the first quote they get from an insurer. They should seek quotes from other insurers.