Tom Neville (Limerick County, Fine Gael) | Oireachtas source

That is the counter-argument I am hearing on the ground. People are deciding to have themselves included as named drivers on family members' insurance policies, for example, while they are home for a fortnight at Christmas, because this gets them into the system. I am not pouring cold water on what the witnesses have said but advising them of what I am hearing on the ground.