Mr. David Fitzgerald:

There are a few things. I would 100% agree with the statement around enforcement. We need more enforcement in this jurisdiction and that is one of the things for the Bill. If we look across to our nearest neighbour, the UK, it has had a similar system in place, involving similar technology with a similar motor database, for more than ten years. The UK would have started out with an uninsured driving level of 6.5%, and they have that down now. It did not happen overnight, but they have got it down to 2.5% now through a combination of a similar system plus a slightly different insurance regime, which probably is worth looking at. In Ireland, the gardaí have to catch the uninsured driver in the act whereas in the UK, it is an offence to own a vehicle without insurance unless it is laid off the road in a formal way where there is a statutory off-the-road declaration. That enables the UK Department of Transport to reach out to the suspected uninsured drivers to issue them a warning letter and ultimately fine them if they choose to own a vehicle without obtaining insurance. That would be something interesting that they have in the UK that could be successful potentially in this jurisdiction as well.