Jim O'Callaghan (Dublin Bay South, Fianna Fail) | Oireachtas source

In England now, where they have chambers, it is very hard to get into chambers so we are excluding people at a very early stage, through the English process, by putting people into chambers. It is hard to get into them. If one does not get into a good chambers, one will not get anywhere.

I have a couple of questions for the Insurance Ireland witnesses. My first is to Mr. Hassett. In fairness to Insurance Ireland, its assessment is that the recent premiums in Ireland are too high is because judges' awards are too high, there are too many fraudulent claims and legal costs are too high. Is that correct?