Mr. Michael Cusack:

In regard to the insurance policy we had, when the incident arose on 10 August 2021, the insurance company was notified of the incident and there was a clarification sought by the insurers as to whether that vehicle had been declared. It was not the case that they had said on the date of the incident that there was no insurance and that no indemnity would be provided. It was through a series of communications with the insurers over the period up until mid November 2021 that we got clarification that, in this case, the insurer would be declining cover.