Ms Moyagh Murdock:

The single biggest issue that comes up time and time again is duty of care and responsibility. My colleague, Mr. Wimber from Germany, is an expert on how we compare with other European jurisdictions on general insurance. We are quite unique. As the Chairman has said, all of these firms do business elsewhere in Europe and in the UK but the challenge is how the system works in Ireland and the risk involved. If an insurance company is faced with a claim, the burden is on it and the policyholder. There are so many spurious claims for minor injuries that if they happened anywhere else, people would just get up, dust themselves off and go.