Mr. Pat Lordan:

The Deputy hit the nail on the head with his point about the standard of proof being difficult for us to reach. Many of the insurance companies are utilising their expertise in establishing that a claim may be exaggerated or fraudulent but they may not believe that they have reached the threshold whereby they need to report it to us. They may figure they will not succeed when they go to the Garda. Sometimes these cases are four or five years old by the time the companies establish that there is fraud. There may be no CCTV or telephone records. They may be relying on someone to talk to us as a witness. That is difficult to get.