Paddy Burke (Fine Gael) | Oireachtas source

I will be brief. I welcome all the witnesses to the committee. My first question is for all the witnesses. They may not need to answer it directly, but they can reflect on it. Do they think everyone should have his or her own insurance? Most people who go on holidays go on multiple trips and have multi-trip insurance. Other people get insurance every time they go on holidays. I firmly believe everyone should have his or her own insurance policy. I do not know whether the State should help to pay for poor people in this regard but we should have a debate on this.

I wish Mr. Ryan the best of luck in his new job with the GAA. It seems that 11% of the GAA's overall take goes towards insurance. Mr. Ryan has an interesting model as to how to farm out some of that with some of the other costs borne by the GAA itself. Various companies have gone down this route, including Supermacs. Mr. Croffy referred specifically to the Twenty-six Counties. Is there a different insurance model in Northern Ireland?