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Written Answers — Department of Transport, Tourism and Sport: Ports Traffic (3 Oct 2019)

Michael McGrath: 310. To ask the Minister for Transport, Tourism and Sport the truck capacity in each of Dublin, Rosslare, Ringaskiddy and Shannon Foynes ports; the number of trucks processed each day at each port under current circumstances; the number at each port in a no-deal Brexit scenario; the contingency plans at each port to deal with the potential backlog in the event of a no-deal Brexit in tabular...

Written Answers — Department of Transport, Tourism and Sport: Ports Traffic (3 Oct 2019)

Michael McGrath: 311. To ask the Minister for Transport, Tourism and Sport the container capacity in each of the Dublin, Rosslare, Ringaskiddy and Shannon Foynes ports; the number of containers processed each day at each port under current circumstances; the number at each port in a no-deal Brexit scenario; the contingency plans at each port to deal with the potential backlog in the event of a no-deal Brexit...

Written Answers — Department of Children and Youth Affairs: Childcare Costs (3 Oct 2019)

Michael McGrath: 332. To ask the Minister for Children and Youth Affairs the steps she is taking to address childcare costs; the rank of Ireland in the EU in terms of childcare costs; and if she will make a statement on the matter. [40480/19]

Written Answers — Department of Housing, Planning, and Local Government: Departmental Data (3 Oct 2019)

Michael McGrath: 367. To ask the Minister for Housing, Planning, and Local Government the estimated home ownership rates; if data in his Department in relation to the trend of home ownership rates in recent years will be provided; and if he will make a statement on the matter. [40394/19]

Written Answers — Department of Housing, Planning, and Local Government: Social and Affordable Housing (3 Oct 2019)

Michael McGrath: 368. To ask the Minister for Housing, Planning, and Local Government the status of the roll-out of the affordable housing scheme and serviced sites fund; the number of housing schemes approved; and if he will make a statement on the matter. [40396/19]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: I welcome Mr. Ronan and his colleagues and thank him for his opening statement. Could he give us a sense of current practice regarding the products he and other members of the Irish Association of Health Stories sell? What is the overall mix? I know there are regional variations since the devolution in 2014 to local Revenue offices. What is the overall picture regarding the application of...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: My question was about establishing current practice. Is this not currently applied to 70%, 80% or 90% of products sold in the stores of the association's members? What is current practice on the ground?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: VAT is applied at 23% on these products.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: Do we have a sense of the overall scale of this sector? How much is spent by consumers annually across the sector on what might be generally described as food supplements?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: If VAT was applied at 23%, even with a figure of €60 million, it would be in the region of €13 million or €14 million but Mr. Hurley is saying turnover could be much higher.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: I know the profile depends on the customer's individual circumstances and needs but what would be a typical monthly spend for a regular customer in the food supplement area? I am trying to get a sense of what the impact would be if VAT was applied 23% across the board on all of their purchases.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: We are looking at €10 or so extra on that if we apply the 23% VAT rate.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: That would be a fairly typical customer.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: That would be over €100 a year for the customer.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: That is really helpful. In light of what Dr. Clare has said, I would be interested in her reaction to the Taoiseach's description in the Dáil some months ago of many of the products sold by her sector as snake oil.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Application of VAT to Food Supplements: Discussion (3 Oct 2019)

Michael McGrath: And inaccurate, presumably.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Insurance Sector: Discussion (Resumed) (3 Oct 2019)

Michael McGrath: I welcome the witnesses and thank them for their attendance. This an important engagement and an opportunity for us, on behalf of the people we represent, to hold the insurance companies to account, tease out issues and get some answers. I will start by continuing with the issue raised by Deputy Pearse Doherty regarding differential pricing, as it has been described. How does it work in...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Insurance Sector: Discussion (Resumed) (3 Oct 2019)

Michael McGrath: I would like to bring this issue down to the level of Aviva policyholders who get their renewal notice in the post. In effect, Mr. Mahon is stating that if they just renew at the premium quoted on the renewal documentation, they will probably pay more than they would if they were a new customer or simply went online to get a new quote, which might well come from Aviva Ireland.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Insurance Sector: Discussion (Resumed) (3 Oct 2019)

Michael McGrath: That is fine. If we break this down to brass tacks, however, is it not the case that loyal customers, those policyholders with Aviva who renew year in and year out and do not ask questions, are the biggest losers? They are not availing of the cheaper premiums that would be available if they were new customers. Is it not that simple at the end of the day?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Insurance Sector: Discussion (Resumed) (3 Oct 2019)

Michael McGrath: Is it not the case that Aviva is taking advantage of consumer behaviour? To take the example of motor insurance, many people get their renewal policy in the post. That document will still not tell them what they paid last year. It is necessary to check up on that information. Customers look at those policy renewal documents and think that the figure presented is roughly what they paid the...

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