Bernard Durkan (Kildare North, Fine Gael) | Oireachtas source

I welcome the witnesses. In relation to the slower than expected reduction in motor insurance premiums, will they give a single issue that might be a contributory factor? Is it because the new regulations, anticipatory or otherwise, are feared? Is it that they do not work as well as they should, that they do not apply in relation to motor accidents or that they apply less in relation to motor accidents?