Mr. Anthony Brennan:

I agree with that point made by FBD. However, there is also the point that the current set of rules is very much set up on the basis that somebody is responsible for the accident that led to somebody else claiming or getting benefits from the Department of Social Protection. However, in this case we are talking about very different circumstances; nobody is responsible for Covid-19. It is a very different sort of set-up. We need to understand that the current rules do not automatically apply. We need to engage with the Minister to understand the grounds on which he believes we should refund these.

I go back to my earlier point. It is a dangerous principle and we need to be very careful. People are entitled to something different irrespective of whether they have an insurance policy. That is an important principle for me and for the industry. The current one is very much based on if someone is in an accident and it is deemed to be somebody else's fault and they are deemed to be responsible for it and if we are covering that person, we pick up those costs. That is the legislation that is there. It is a very different set of responsibilities for Covid-19 because no individual we are insuring is at fault or responsible for Covid-19.