Mr. John Farrell:

The costs of the claimant are not visible to us and we do not know if the plaintiff's solicitors or legal team get paid or not. That is not something we would be made aware of. What we know is the costs that we have paid. Ultimately, when we say we have paid, the reality is our policyholders pay these costs. The reality is our policyholders will pay these costs through increased premiums or we must get these costs back from the fraudster, which, of course, is difficult to do. We attempt to do that but often these are not people of substance from whom we can recover costs. We urgently need greater and more dedicated resources in the Garda to work with us and we need to work on a more effective deterrent for fraud cases in the courts.