Ms Derville Rowland:

It is precisely because we think that dual and differential pricing is a priority that we are doing the work on it. With regard the examples given by the Deputy, it is impossible for me to come to a conclusive answer. I do not know what distribution channels are being used, if there was a claims history change and the particular facts. What I can say is that the examples raise the issue and we are doing a huge piece of work across motor and home insurance precisely to get a lot of information about this. It raises the issue. However, I cannot be conclusive in an answer without looking at this, which is precisely why we are going to do this very detailed and comprehensive piece of work.