Ms Davena Lyons:

If we look at 2023, we had just over 37,000 claims. Some 1,472 of those were refused in full. The value of those full refusals was €3.2 million. In the same year, we approved €88 million. That is where that proportion of the 96% is coming from.

If I go back over the past five years, in 2019, which was pre Covid, we refused €6.3 million and let €71.1 million out the door. The amount of money going out the door has gone up over the past five years. It has been consistent over the past three years, at €85 million, €89 million and €88 million, respectively.

The value refused on the full refusal was €3.8 million in 2021, €2.7 million in 2022 and €3.2 million in 2023. For each of the past three years, approximately 37,000 claims came in to us.