Mr. Heiner Herz:

Yes, we have engaged with most of the stakeholders, with varying degrees of success. We are in contact with the Irish Insurance Federation but we have not yet seen concrete results. Insurance companies work with complaints but one does not complain when everything seems fine. We have also engaged with certain insurance companies which have taken the issue seriously and are trying to find a way of addressing it. It would be preferable to put the stakeholders in a room to create an Irish standard and fix the rule once and for all because we cannot judge something that has no official rules. We need to develop the rules with which everybody can comply. Nobody wishes to harm people. There is a will to comply but it is difficult to do so at present.