Ms Isolde Goggin:

Yes, there is a lot going on in the insurance space at the moment. We have been involved in it ourselves. We did carry out a study at the behest of the previous Minister, Deputy Humphreys, on public liability insurance, which we published last year. We found there were various factors contributing to a perception of high prices and a lack of product offerings in the market. We are aware that the Judicial Council has been working on those recommendations as regards what used to be called the book of quantum. There is a great deal going on in this space, including in our area. We took some enforcement in respect of motor insurance. We are also aware that the Department of Enterprise, Trade and Employment is establishing an office for competition in the insurance industry. We hope that, over time, all of those factors coming together will result in an improvement in the market for consumers, but it is a very complex market and those matters will take time. Perhaps Mr. McHugh would like to come in to speak about our own actions.