Mr. Ger Deering:

It is as much about individuals who have stayed with the company over the years and their circumstances. I take the point that, as Senator Horkan mentioned, people are getting older and perhaps the car is getting older but I think the company has to be able to identify why it has made this significant change. I do need to be very clear: what we do not need is a flood of complaints to our office that an insurance company has increased a person's premium. Sadly, that is happening and providers are entitled to use commercial discretion. We will not be able to deal with those. It will be difficult, not alone as Senator Horkan said, to decide and adjudicate a complaint but even to identify that it is an issue. We will work through the complaints that are in our office at the moment to see what we can do with them.