Mr. Vincent Jennings:

To add to what has been said, it is important for this committee's members to accept their own frustrations regarding how much the Government and all parties have assisted the insurance companies to have a fairer system in place, not just in motor but also in liability. There have been scores of changes brought about. The committee members must be furious that there is no movement whatsoever from the insurance companies. When they hear us coming in to them with the statistics, we are telling them things they hear day in, day out in their clinics and from businesses, for example, of people paying more than they were five years ago even though those people have not had a claim in five years and have sweated hard to get to that point. It is a cost of business that is unfair. We all understand we need insurance, and we have all paid insurance for all the years, but not at this level and not to fatten up these people who are taking two and a half times more than the European average. The members must be furious; we are furious.