Ms Kate Tobin:

To respond to a couple of questions directly put there, Senator Daly had a question about the introduction of mandatory training and younger drivers on tractors. For several years, and Mr. Roche can probably give more detail on this as he is a lot closer to it, we have been supporting the cost of FRS, which provides tractor training to young persons operating tractors.

With regard to the broader context of this issue, we have to operate and provide insurance in line with licensing laws and the Road Traffic Act but were there to be any changes on that, we would have to look at that as part of our insurance offering.

Regarding Senator Brady's comments on using marts for safety events, we completely agree on that. It has been one of the areas, particularly for older farmers, where we have found it useful to reach them for promoting farm safety issues. We agree there are things that could perhaps be done there. On whether we do risk assessments on farms, we have a dedicated risk management team within FBD that is concerned with farm safety. Mr. Roche leads that team and our 34-strong branch network is out meeting farmers on a day-to-day basis and consulting them on risk needs.

On Deputy Kenny's feedback on training for young people, we have mentioned FRS but I might let Mr. Roche come in on other initiatives that are there.

In respect of Deputy Aird's piece about the issues causing accidents, our own claims experience is very much in line with published statistics. We see that the most common serious accidents involve farm machinery, vehicles, falls, livestock and slurry.

Mr. Roche might add to a couple of items there.