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Written Answers — Department of Employment Affairs and Social Protection: Social Welfare Benefits (20 May 2021)

John McGuinness: 284. To ask the Minister for Employment Affairs and Social Protection if an application for a carer’s allowance in the case of a person (details supplied) will be reviewed and approved as a matter of urgency. [27263/21]

Written Answers — Department of Agriculture, Food and the Marine: Agriculture Schemes (20 May 2021)

John McGuinness: 367. To ask the Minister for Agriculture, Food and the Marine if he will review an application under the young farmers scheme in the case of a person (details supplied) and reverse the decision taken given the circumstances of the case; and if the matter will be expedited. [27199/21]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: I remind members to please turn off their phones and, when they address the meeting, to please do so without their face covering, as it helps with the recording of the meeting. Apologies have been received from Deputy Steven Matthews. We are joined today by Mr. Anthony Brennan, CEO of Zurich Insurance, Ms Siobhan Corbett, chief claims officer of Zurich Insurance, Mr. Tomás O'Midheach,...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: Thank you, Mr. Brennan. I now invite Mr. O'Midheach of FBD Insurance to make his opening statement.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: Thank you, Mr. O'Midheach. I now invite Mr. Declan O'Rourke of Aviva Insurance Ireland to make an opening statement.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: I remind the Deputy of his time.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: I thank Senator Sherlock. I call Deputy Mairéad Farrell.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: Is that question for Mr. Brennan?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: I call Deputy Durkan.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: If the Deputy has another question, can he please put it now?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: Deputy, we are running out of time and I am anxious to ask a few questions myself. If he will ask the question-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: Can Mr. O'Rourke answer the question please so we can get through it quickly?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: If you would, Mr. O'Rourke, or whoever wishes to take it.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: I thank the Deputy. I have a number of questions and I suggest that the witnesses could take the question relevant to their company. Regarding brokers and how they operate, what is the average profit margin they add to a quote given to them by an insurer?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: From where do they get their profits?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: The quote customers gets through a broker is the quote directly from the insurance company and the broker is paid a commission on that. Is that correct?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: I could put my next question to any of the three CEOs but I will put it to Mr. O'Rourke. The information he has given the committee is that we can see insurance premiums coming down. He said there is evidence of that. The evidence I see in my office is that insurance premiums are going up. I am not saying the majority are going up but the ones I see are. I have an example to hand where...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: What does Mr. O'Rourke mean by "that is the case"?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: Regardless of that figure, a significant number of people have had the opposite experience to what Mr. O'Rourke has been explaining to the committee. I have referred to one such case. The individual in question is a loyal Aviva customer but he is expected to pay €138.17 more than he paid last year. I would say this is the same for everyone. This person has been reading the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Developments in the Insurance Industry: Discussion (19 May 2021)

John McGuinness: I am sorry for cutting across Mr. O'Rourke but I want to stick to the facts here. This man, a customer of Aviva for years and with a no-claims bonus in place, has been told his premium is going up by €138. Mr. O'Rourke can cite statistics and analysis and the whole lot but there are too many people like this man coming into my office and telling me they cannot get insurance or, as in...

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