Mr. John Twomey:

I think in the circumstances they have to be assessed on an individual basis. These are cases are dealt with in the civil court, which is different, as we all know, from the criminal court. An assessment has to be made by the insurance company as to whether, on the balance of probability, it believes that a crime has been committed. In those instances, the company involved must forward the matter to An Garda Síochána for investigation. In the context of our ongoing liaison-----