Ms Derville Rowland:

We noted that the Deputy had been questioning the insurance industry. We also noted the work of the Financial Conduct Authority, FCA, and have been in touch with it. We had already cited this risk and have been taking action on it. It forms part of our 2020 work programme because it is a risk on which we were cited. When choosing our work programme for this year, we focused on our work in the cost of insurance working group. We also focused on this issue by taking the action that we started a year ago in terms of formulating a policy, which is now in place, on customers being told about the price of their previous policies-----