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Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Discussion with Housing Finance Agency (2 Oct 2012)

Ciarán Lynch: Okay.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Discussion with Housing Finance Agency (2 Oct 2012)

Ciarán Lynch: Right.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Discussion with Housing Finance Agency (2 Oct 2012)

Ciarán Lynch: Deputy Catherine Murphy may pursue further questions now, as she is due in the House for Priority Questions.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Discussion with Housing Finance Agency (2 Oct 2012)

Ciarán Lynch: I thank Dr. Norris for her presentation. It is a matter of months since she last attended a meeting of the committee, prior to her appointment. She seems to have got her feet well under the table since then. I will now take questions from members, beginning with Deputy Catherine Murphy.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Discussion with Housing Finance Agency (2 Oct 2012)

Ciarán Lynch: We are now in public session and will discuss the functions and responsibilities of the Housing Finance Agency plc, HFA. I welcome here today Dr. Michelle Norris, chairperson, Mr. Philip Nugent, director, Mr. Barry O'Leary, chief executive officer, and Mr. Tom Conroy, company secretary of the Housing Finance Agency, and thank them for their attendance this afternoon. In commencing...

Written Answers — Department of Education and Skills: English Language Training Organisations (2 Oct 2012)

Ciarán Lynch: To ask the Minister for Education and Skills the number of establishments here that are providing English language classes for Chinese students; the number of Chinese students that have come here to study English since 2007; the strategies that are in place or under consideration to increase the number of such students; and if he will make a statement on the matter. [41820/12]

Written Answers — Department of Children and Youth Affairs: Child Care Services (2 Oct 2012)

Ciarán Lynch: To ask the Minister for Children and Youth Affairs the childcare support available to a person (details supplied) in County Cork; and if she will make a statement on the matter. [41753/12]

Written Answers — Department of Health: Medical Card Drugs (27 Sep 2012)

Ciarán Lynch: To ask the Minister for Health the prescription medicines that are no longer covered by the medical card following a recent decision; if treatment for certain conditions (details supplied) are now excluded; and if he will make a statement on the matter. [41153/12]

Written Answers — Department of Education and Skills: Pension Provisions (26 Sep 2012)

Ciarán Lynch: To ask the Minister for Education and Skills when pension payments will be made to a person (details supplied) in County Cork; and if he will make a statement on the matter. [41020/12]

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: I ask Senator Keane to put a question.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: I thank the Irish Insurance Federation for the speed of its response to the request to appear before the committee. As with most industries, the insurance industry is in a competitive and challenging environment. However, there are seven points of consideration the federation should take into account at the conclusion of today's meeting. The first is the need for a code of good...

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: Perhaps Mr. Horan can do so by written response in the first instance.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: That concludes our consideration of the topic. I thank Mr. Kemp and Mr. Horan for their assistance in our deliberations.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: Excuse me, I must put your proposal of writing to the OPW to the committee. Is that agreed? Agreed.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: Can we bring the meeting to a conclusion?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: This is related to geocoding, which is subject to constant assessment and is not specific. I can get car insurance in the morning and property insurance may be for property worth four, five, six or ten times the value of a car. I would be asked more questions about my car. Car insurance is mandatory but house insurance is not. Nevertheless, in applying for car insurance I would be asked...

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: Hundreds of millions of euro were spent on flood protection.

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: I will comment on that and I do not even need a response. One of the issues which prompted me to invite the witnesses before the committee was a person ringing my office two or three weeks ago. The person was looking to change insurance company, which is becoming more difficult with property insurance, as if one is without insurance, it is almost impossible to get back into it with some...

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: It is impossible to get household insurance if one has been declared bankrupt, as per the eligibility criteria for Allianz, which I believe is shared by most other insurance companies. The Government hopes to have its insolvency legislation enacted in the next couple of months. This positive development, which will allow people escape from burdening debt, may also result in their not being...

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Ciarán Lynch: It is not new. I checked this with some brokers this morning. This has been a standard practice within the insurance industry for a number of years. A declaration of bankruptcy is placed in the same category as conviction or charge in respect of arson or any criminal offence, other than a motoring offence. Bankruptcy is not a crime. It may be the result of bad business practice, for...

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