Ms Derville Rowland:

There are perhaps two separate issues in play there. Dual pricing is about the profit margin being priced differently on the underlying same product. The problem mentioned by the Deputy is of a young man who wants to learn how to drive and is finding it hard to get insurance at a price that anybody could possibly afford to pay. That is a distinct and separate issue because that is the way the companies are pricing the risk.

There may be more detail in that. However, they are separate issues. I might ask my colleague, Mr. Cullinan, to speak on the insurance quote. We are all sympathetic to young people who want to get behind the wheel of a car at insurance prices they can afford.