Emer Higgins (Dublin Mid West, Fine Gael) | Oireachtas source

I thank the witnesses for attending. As the Chairman said, we apologise for the late start. My questions are mainly for Insurance Ireland and they have been shaped a little by the last presentation from the Alliance for Insurance Reform. Some of the statistics that Mr. Hanley rattled off, given he no doubt does this a lot, are stark, and I would welcome a response to them. They include a 46% reduction in claims, a 40% reduction in claims brought to court, a 70% reduction in claims brought to the High Court and a 39% reduction in claims in PIAB. What has been the reduction in premiums?