Mr. Ciaran McDonnell:

The Thatch Property Insurance Action Group has joined the Alliance for Insurance Reform. We are a very new member. We only joined in recent weeks, so we are still feeling our way a bit. We are much more comfortable talking about thatch insurance issues rather than the issues affecting the other sectors. The fundamental issue is that all these sectors are struggling with the same problem, which is a lack of available cover. There is a shortage of underwriters and segmentation within the insurance market, which makes it harder to get insurance and results in higher premiums being sought.