Ms Fiona Muldoon:

The Deputy is portraying the issue in a rather black and white fashion. We stated that the number given by my colleague relates to claims involving a component where we believed there was exaggeration, fraudulent activity or some element of overstatement of the actual injury suffered. The Garda would not thank us if we brought each of those cases to it before we investigated them further. We deploy significant resources to investigate and manage those claims into a position whereby the business owner or individual will have the claim paid and the matter managed and taken away from him or her. That is why people pay us the premium. Our numbers are more transparent than those of any of our competitors. We are a public company and all of our numbers are available for all to see. We made €22 million on €1.8 billion collected. The vast majority of what was paid went on claims and associated claims costs.