Pearse Doherty (Donegal, Sinn Fein)
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As Mr. Cullinan pointed out, there is a higher level of sophistication in certain other jurisdictions, including our neighbour. However, the EIOPA study showed a big increase in these practices. Many of the companies stated that although they are not currently using these techniques, they will begin doing so.

It is very timely, if not overdue.

The other data the companies use to profile our behaviour are third party data which they can legally hold, such as data from retail store loyalty cards, which provide lots of data on consumption. Are we aware that insurance companies are using any third party data?