Mr. Eoin Darby:

With regard to the Deputy's reference to car insurance, car insurance companies have an obligation to provide a quote if a customer is refused by others. House insurance is technically optional because if a person owns the house it does not need to be insured, but I am starting to pay a 33-year mortgage and the bank will not give us the final drawdown until we have insurance in place to protect its interest. I have no choice. I absolutely have to have insurance. I want to have insurance anyway because it is our family home. The issues arise when no options are available to go anywhere else.