Mairéad Farrell (Galway West, Sinn Fein)
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Moving on to fraud, it is the issue we heard many insurance companies over the years suggest as the big reason for having such high costs. Insurance companies, of course, have a legal obligation to report fraud so it can be investigated. It is not incumbent on them to carry out the investigation, but they do have that legal obligation to report such instances. From the figures I see here, in 2019 there were 63 reports of fraud, while in 2020 there were only 48 such reports. Given all the bluster and everything we heard in media reports over the years regarding how significant an impact fraud was having, do the witnesses agree that the number of reports is quite small? Can they explain why that would be the case?