Gerry Horkan (Fianna Fail) | Oireachtas source

Regarding the car versus the driver, the car is insured, so the MIBI looking at uninsured cars rather than drivers. The car is taxed but not insured. I think that is how it is extrapolated. What is the story when somebody is driving a car they are not entitled to drive? For example, it could be their mother's car, but they are not on the policy and there is not open driving. What happens there? Are they an uninsured driver, or as per the MIBI figures, does it end up paying out if a 17-year-old or 19-year-old who is not on a policy takes his or her parent's car and does damage? Does the policy end up paying it or does the MIBI end up paying it?