Mr. Brian Hanley:

It is a case for everybody. Nobody objects to a bit of profit. That is fine, but two and half a times the international norm is excessive. If we are wondering where it is going, and why organisations that have prioritised health and safety and strong records have not benefited, we need look no further. That is why it is so important that our elected representatives make sure sufficient pressure is being brought to bear because the insurance companies want things too. Assurances were given that premiums would come down if the reforms came in.

I will briefly turn to the piece about vexatious or exaggerated claims. I understand it is more expensive not to settle, but if we settle every suspect, dubious, vexatious or, particularly, fraudulent claim, it is short-term thinking. No message goes out and it will only get worse.