Ms Moyagh Murdock:

I can answer that question. The national information claims database is an excellent tool. It has been evolving over the past three years. We have had two years of motor reports and the first year of employers' and public liability and property. The miscellaneous provisions Bill will introduce further enhancements to it. The trends coming out of insurance portray the trajectory of motor insurance but it also provides a lot of clarity on profit and loss making, as was pointed by the Central Bank. It is a very informative tool and does what the Deputy refers to, namely, providing clarity. The consumer will feel that in his or her pocket. Consumers are feeling in their pockets with motor insurance. Employers' and public liability remains a very challenging market, as was presented in the most recent report in July, which showed a loss of 3%. When one takes account of the investment income out of that, it is an actual loss of 6%. Mr. Boland outlined the other measures we need to deliver on to ensure that the whole package of reform produces the actual desired outcome from the reform agenda. We would concur with everything the Deputy said.