Mr. Jackie McMahon:

I emphasise that FBD conducts very thorough investigations into any claim presented before us as we want to understand the circumstances and liability issues. We have a team of investigators who talk to all of the parties involved, including our insured. From a personal lines perspective, we write to our customers when each claim is settled outlining the financial settlement. In commercial businesses, by and large we discuss the matter with customers. It is really important that we keep those customers. We also want them to know what we do on their behalf in terms of settling their claims, which is important to us.