Ms Moyagh Murdock:

I cannot comment on specific cases, but what I am hearing from my members is that, in the round, they have not seen that increase at all. However, specific cases may have claims pending or may involve past claims. Generally speaking, what we are seeing is a flat level of premiums. We look forward to the next national claims information database, NCID, report on employer liability and personal liability insurance. According to the last NCID report, 93% of policies were under the €5,000 mark and 85% are under the €2,500 mark. We have not heard that there has been a general increase of 16%, but I know that the Alliance for Insurance Reform has carried out its own survey with its members. On the whole, we would say that the increase of 16% is not indicative of what is happening on the market itself. We fully accept that insurance is a major challenge for everybody, but that is for the reasons we have already outlined. This proposed Bill and the legislation relating to duty of care will have a major impact and will attract other players into the market. That is what we all want.