Ms Moyagh Murdock:

I cannot speak for the CEO of Zurich. What I can say is that the insurers will try to provide cover where possible, but we have to address the whole issue around the cost of insurance, not just on the size of the award. Ireland is unique, and we heard Peter Boland say that before. It is unique in how insurance costs are out of kilter with everywhere else. It is also unique in that the responsibility lies with the policyholder, and there is no personal responsibility in many cases. In addition, the quantum of award being awarded through the new guidelines is being undermined by the outcomes of the court cases when declined. We need to make sure that does not happen. We need to see cases coming through court underpinning the award recommendation made by PIAB.