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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Where is it headed, without intervention? Where are premiums going?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Mr. Thompson has put numerous ifs in there. The question is relevant whether there are no changes or no intervention in terms of legislation and awards and so on. I am not making any allegation around a cartel or anything like that. Where is this headed? Is there going to be an upward drift? Is that pattern going to continue unless something changes?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: What does that mean for premiums?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: In how many cases have insurance companies referred alleged fraudulent claims to the Garda? Do we have data on that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: I respect all of that. Do we know how many cases were referred to the Garda in 2015 or 2014?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: That is up to the Garda and the Director of Public Prosecutions. The question was how many cases have insurance companies referred to the Garda as potentially fraudulent claims.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Please do.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: I accept that.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Mr. Horan has cited it as one of the reasons behind premium increases.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Who should pay for the collapse of Setanta?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: It is the policyholder, ultimately. In any event, whether it be MIBI or the insurance compensation fund, it is the policyholder who is going to pay for it.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Why have people with older cars and younger drivers being particularly hard-hit? What is wrong with an older car that has an up-to-date and valid NCT certificate and that is being properly minded by the owner?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Does Insurance Ireland have data on the premium increases affecting cars over 15 years old? Does Insurance Ireland have that level of detail?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (15 Sep 2016)

Michael McGrath: Are the positions of individual companies publicly declared?

Written Answers — Department of Justice and Equality: Legal Aid (16 Sep 2016)

Michael McGrath: 33. To ask the Minister for Justice and Equality if it is permissible for a solicitor who is acting for a defendant in a criminal case under the free legal aid scheme to charge the defendant top-up or additional fees; the rules and sanctions in this regard; and if she will make a statement on the matter. [24587/16]

Written Answers — Department of Justice and Equality: Personal Insolvency Arrangements (16 Sep 2016)

Michael McGrath: 105. To ask the Minister for Justice and Equality if there is recourse open to a person who is in an insolvency arrangement and who now feels they have been unfairly treated by their main creditor, that is the bank vis-a-vis other informal arrangements entered into outside of the formal insolvency process with other debtors; and if she will make a statement on the matter. [25057/16]

Written Answers — Department of Finance: VAT Rate Application (16 Sep 2016)

Michael McGrath: 213. To ask the Minister for Finance the reason the standard rate of VAT applies to dog grooming services; if this matter is under review; and if he will make a statement on the matter. [24607/16]

Written Answers — Department of Finance: Tax Code (16 Sep 2016)

Michael McGrath: 214. To ask the Minister for Finance the taxation treatment of the compensation amounts received by persons here in respect of the collapse of a company (details supplied) in the UK; and if he will make a statement on the matter. [24609/16]

Written Answers — Department of Finance: Personal Debt (16 Sep 2016)

Michael McGrath: 250. To ask the Minister for Finance the position in relation to ability of financial institutions to provide credit to a person who is in an insolvency arrangement; if banks have discretion in this matter; if it makes any difference if the person has reached a settlement and is now out of an insolvency arrangement; and if he will make a statement on the matter. [25081/16]

Written Answers — Department of Finance: EU Budget Contribution (16 Sep 2016)

Michael McGrath: 354. To ask the Minister for Finance the total estimated EU contribution in 2015 arising from the CSO growth revision; and if he will make a statement on the matter. [26396/16]

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