Mr. Brian Hanley:

I agree very much that an education piece is needed. In fact, I think it is referenced in the new action plan for insurance reform. It does not stipulate that but it does create the opportunity for issues like the one Deputy Burke has raised for those more complex insurance packages to be raised. We run our own education sessions regularly because there is that knowledge piece missing, certainly. What we have noticed as well is that there has been a clear dilution in the quality of the policies that people are paying for, whether that is through increased excesses or greater exclusions. People are probably not even aware a lot of the time that this has happened. I think there is an opportunity within the new action plan for insurance reform and I certainly hope it can be raised by members here with officials in the Department of Finance to make sure that things like that are included because there is certainly a knowledge gap for a lot of people.