Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

Is it not the case that Aviva is taking advantage of consumer behaviour? To take the example of motor insurance, many people get their renewal policy in the post. That document will still not tell them what they paid last year. It is necessary to check up on that information. Customers look at those policy renewal documents and think that the figure presented is roughly what they paid the previous year. Most people are busy and just renew the same policy. They do not even ring up to try to get a reduction. If they do ring up, however, and state they had contacted one of Aviva's competitors and were offered a policy some €100 cheaper, then Aviva will probably match that competing policy. That is the reality. Is the lesson here that loyalty is punished?