Dr. Declan Jackson:

If I make one point in response to the Senator's original question, we need to be very careful from a competition point of view. We cannot facilitate or engage in any conversations on pricing. However, what we can do is work towards bringing certainty on issues such as claims and Setanta Insurance. If we do that with the various stakeholders, and Insurance Ireland is invested in doing that, we will see positive outcomes for consumers. We are seeing this trend take place, although we accept and share the frustration with the pace of reform. However, we are working night and day to ensure certainty is delivered and consumers benefit as a result. On the Senator's specific request, as a trade association, Insurance Ireland is correctly prohibited from having any such discussions.