Mr. Brian Hanley:

I agree that internal competition is an important consideration, as is attracting new underwriters in. The difficulty is trying to get independent data to know who is doing what. Very often, we will go in and insurers will advise the Minister that such and such insurer has entered this market and that market. That is great but it is anecdotal. I then go to my members in the same sector and they do not know. They have not seen or heard anything about it. Maybe the new insurers are going in, but agreeing to cover two pubs in Carlow is not exactly deep penetration into the licensed sector. I would love to see some way of independently tracking, be that a role for the Central Bank or otherwise, what level of penetration the big market players would have in different sectors. I appreciate that it is a difficult ask but would it not be much better if we could actually deal with independent data rather than "he said, she said"?