Ms Moyagh Murdock:

I will answer that in part and I am sure the Garda will want to answer the rest. The national vehicle and driver file, or NVDF, is available to all insurance companies and the regulations addressing access to it, including in relation to data privacy, have been dealt with. However, only some insurance companies access it. RTÉ "Prime Time" did a programme on the responses when people rang up for insurance and found the companies automatically gave it out. We are also faced with the issue whereby people may take out insurance for a month and then cancel the policy while still driving around with a disc.