Ms Linda Murray:

That needs to change. We need an insurance company to offer cover. We need competitiveness rather than a monopoly in order that companies are not faced with having to go without insurance or to self insure, which is what we are currently considering but should not have to. Self insurance is very risky but, as a group, we are trying to think of ways to stay in business. We love what we do and being in this business. We love to see tourists and families coming into our businesses.

Where would we be if there were no bowling alleys or similar facilities down the country? Yesterday, one of our members featured on the "Today with Sean O'Rourke" programme on RTÉ radio. The premium for his bowling alley increased from slightly less than €10,000 to €25,000 with no claims in the past year. There is very little that can go wrong in a bowling alley apart from a ball being dropped on a toe. A similar bowling alley in the UK would probably have an insurance premium of £2,000 or £3,000.

One of our members provides trains in shopping centres such as Swords Pavilions.

One can get into a little train with the children and go around. He does it in the UK and Ireland. In the UK, he could get all of it insured for £1,500 but his latest insurance quote here is €33,000 for the same industry. It involves trains going around a shopping centre.