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

I want to think about where we, as policymakers, could go. Repeatedly, issues are identified by the insurance industry as the problem but when we resolve that problem we are told it is not the problem and that there is another. Ultimately, is Mr. Boland saying to this committee that the major issue is the lack of genuine competition within the Irish insurance sector?