Aidan Davitt (Fianna Fail) | Oireachtas source

I appreciate that the figures are there. That is great and I am not trying to put the witnesses in a hard spot. We said that the payout in claims from 2012 to 2015 was approximately 44% which, if we take the four years of 2012, 2013, 2014 and 2015, is 12% per annum, but we are talking about insurance premiums in cars alone going up by 70% in three years. Premiums have gone up by about 25% or 26% per annum. I am curious about the correlation between the 12% and the 25% or 26%.