Colm Burke (Cork North-Central, Fine Gael)

One of the problems with exclusions is that every time you get a policy now, there are additional exclusions, especially if you have a business where the people who are in charge or are under pressure do not realise that every line in a policy counts and, unfortunately, when the policy comes back after paying the premium, do not examine it in detail. I have gone through policies myself where I have gone back to the policyholder and said this is now excluded and were they aware of that. I would say nine out of ten people were not aware of the exclusion. There is a need for education on that whole issue of the importance of examining the policy. People get notice of the premium, they pay it, and they think they have the same as what they had last year when in fact there are now exclusions. Can we get more information out on that whole area?