Mr. Philip Egan:

We have men and women coming in with seven-seaters, such as Ford Transits. They are receiving quotes of between €13,000 and €16,000. The car costs €50,000. A lot of these men and women have made a big mistake. They are putting a deposit on a car when they have not found out the insurance cost. A brand-new entrant in the business may put down his or her €2,000 only to find out he or she cannot get insurance. The car companies are not giving the deposit back.