Mr. Ger Deering:

It is a possibility. We deal with cases where somebody has been improperly discriminated against. We accept, in respect of risk, that an insurance provider is entitled to discriminate, or to set one category of person against another. All other things being equal, a case where a person is discriminated against simply because of his or her pattern of renewal, for example, is something I would examine. It is difficult to say without having a specific complaint to examine.

Our real challenge will be to have a comparator. When we deal with a complaint, we can usually only seek certain information. While we will seek broader information, it will present a significant problem to us when trying to get comparators and to understand. We have the power and the legislation behind us to dig and get that information.