Mr. Padraig Cribben:

We have not met Insurance Ireland but I suspect that if we were to do so along the lines referred to by the Senator, we would be as wise after the meeting as before it. This is where there is a need for some watchdog with teeth to get behind what is actually driving the costs. That is the only way we can proceed. Unless we know what is driving the costs, we cannot actually decide how to address them. Again, I suspect meetings of the kind proposed with organisations such as ourselves are pretty futile.