Mr. David Fitzgerald:

We have fatalities as well and there have been some tragic cases, with the victims' dependants left behind. We are proud to be able to help them and we take a lot of meaning from that. We will do anything we can to reduce uninsured driving. We see a higher risk profile from the type of people who are prepared to risk driving uninsured than the insurance industry sees, so we see, say, unroadworthy vehicles, people willing to speed more than the average motorist and issues with alcohol and drugs. We see some nasty crashes.