Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

We understand that. We are talking about the total. As Mr. Horan said, reinsurance is an issue. Mr. Horan is making the point that the net figure, which is what was incurred by the insurance industry in terms of payouts and claims, fell during that period but that we need to look at reinsurance. When Mr. Horan takes the issue of reinsurance into account, did people still pay more? Did they not pay an additional €220 million? Mr. Horan argued earlier that premium increase was correlated with claims, but when we look at net premium written during that period, which takes into account reinsurance, we see that consumers were charged an extra €220 million.