Ms Moyagh Murdock:

We would say that the members are definitely very welcoming of the change in the duty of care legislation. We have always called for a rebalancing there and said that too much onus was placed on business owners and the owners of properties, so when an incident or accident does happen, there is no real responsibility on the individual. As the Deputy said, the new legislation was introduced in July and it is a very short time since it was introduced. It is still very early days in terms of seeing actual figures as to how that is going.

The Deputy quoted figures from PIAB. We would encourage people to use the PIAB channel but, unfortunately, it is still the case that only 11% of personal injury claims go through PIAB. People get fair and faster treatment there but, unfortunately, too many cases still go the full route of litigation. That is unfortunate.

In terms of the future impact on premiums, I cannot discuss future pricing at all. I can only talk about what has happened in the past.