Mr. Anthony Brennan:

I have to be very careful. I return to what I said in October 2019. The percentages I talked about then are still appropriate. I have looked at the most recent national claims information database for 2019 and the same principles apply. I have to be careful about using numbers during this meeting and I apologise for that. I do not want to mislead the Deputy. Certainly, the information on motor insurance suggests that the percentages I quoted in October 2019 are reasonable.

On liability insurance, we are not necessarily seeing the same level of savings coming through because the types of injuries that feed in to those sorts of employers and public liability are of a moderate to severe nature, and there is not the same level of reductions as in the new guidelines. They are not 50% across the board. For some injuries, particularly moderate to severe ones, the reductions are lower.