Ms Siobhán Corbett:

I can only speak for Zurich, rather than the industry as a whole, but during 2020, we validated all claims, as is our obligation. The process identified 345 claims that warranted further investigation by our specialist team dealing with potential fraud. Of those 345 claims, there were 68 cases where we suspected some element of fraud. I underline the fact that it was only a suspicion of potential fraud. On further investigation of those claims, there were 13 claims where we felt there was sufficient evidence of fraud to be of material assistance to An Garda Síochána, and those cases were referred on. Again, I cannot speak for the industry as a whole, but 13 claims out of 68 would, from my understanding, be above our market share, but that is all I say in respect of Zurich.