Ms Derville Rowland:

We will be working to establish if and how that is happening and to what extent. As I say, differentiated pricing has been in existence for a long time. A lot of people in Ireland are price-motivated and change insurance companies regularly when they get their quotes. That is an important consideration in the wider context of dual pricing. However, we agree that this is an issue that needs to be looked at and we are doing very significant work to establish the facts. We are an evidence-based policymaking institution.