Mr. Vincent Jennings:

When I started in business 40 years ago brokers charged the company. They were given a commission and the customer did not pay anything. In fairly recent times as the Deputy will have seen with his home insurance, many of them are applying an administration fee or a brokerage fee. This has been slipped in. It can be €75, €50 or €350. It can be any number. The brokers are getting the money from both sides. They are getting money from the insurance company and from the client.