Mr. Vincent Jennings:

That is interesting but the vast majority of members are experiencing similar or raised premiums based on, quite frequently, a greater level of exclusions being applied to them or their brokers not bringing to their attention that the cover that is now there is not the same cover as they had previously. The recent speeded-up consolidation of brokers around the country is potentially leading to a lack of competition. Perhaps the CCPC should look at that. When it comes to the exclusions and the lack of additional cover, we have seen people believe that they had cover for false arrest or an allegation of defamation and then, when they had an unfortunate incident, were told by their broker that the insurance company said that they were not provided with that cover even though they had it previously. Although the €6 million multiplied by 20 is an exception, I can tell the Deputy that, in the thousands, our members and members across the alliance are being hit with exclusions all the time and that is one of the scandals that needs to be looked at. It comes about from lack of competition.