Ms Fiona Muldoon:

The primary mechanism for rewarding those who drive well is that up to 75% of a no-claims bonus discount can be awarded.

We had telematics technology previously. The take-up was poor. We believe there is more potential for that system and we are developing two products. These would be relevant for driving and other aspects that might help to lower the costs of insurance for individuals based on the manner of their driving or how much they drive.