Ms Fiona Muldoon:

From our perspective, the exaggeration issue is more complicated to try to work through. People can exaggerate the extent of an injury. An increasing phenomenon is adding a psychological aspect, even to a very minor injury. The 20% is the total number of suspected fraud and exaggerated claims that are examined. It is important to say that we only discover what we discover. There could be others also.

On the database, that is checking for claims and it is a flag. It does not give quantum. It indicates whether there has or has not been a claim in respect of a particular insured person. When I talk about sharing data, we are not allowed to share our suspicion that, say, Fiona Muldoon might have made three claims with another insurance company and now she is claiming against FBD. The other insurance company is not allowed share its suspicions or any data in respect of that customer other than what the regulator stipulates.