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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: To call it straight, does Mr. Herron believe that the insurance companies have come together in Ireland in a quiet room and have said that they are going to operate as a unit here and that they are effectively changing the way they operate in Ireland, collectively as a group, to get a result for themselves?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: Okay. I wish to raise the issue of car rentals. Mr. Paul Redmond said that an insurance operator that provides motor insurance said a car rental company has seen its third-party liability costs in Ireland trebling in the past four years. How has that situation arisen in the past three years? Why are we suddenly seeing that since 2014 in Mr. Redmond's own business, as well as with ordinary...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: What does Mr. Redmond think will resolve it? What is the bottom line issue for him?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: Does Mr. Redmond believe that some of the rulings of the injuries board below a certain level, or in a particular type of accident, should be the final legal ruling on a matter?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: What is the single item that would bring down the cost of insurance?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: For one's small toe. What about a big toe?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: I do not mean to be flippant but that level of claim seems extraordinary.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: Can Mr. McDonnell restate the last point because people might not be aware of that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: That is as long as the award is above €15,000.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (Resumed) (13 Sep 2016)

Kieran O'Donnell: Am I right to say it goes from a controlled environment in the Injuries Board into an uncontrolled environment outside?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: What the witnesses have said is very enlightening. Mr. Faughnan said that AA Ireland has three underwriters and it sells insurance. Is AA Ireland a broker?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: What is the process for a young driver seeking a quote for insurance cover on the AA Ireland website?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: So AA Ireland is very much in the cockpit.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: How do AA Ireland premiums compare with those of other providers across young drivers, older drivers and so on?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: I am more interested in the price. AA Ireland has a bird's-eye view of how the insurance companies are pricing policies.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: What I am interested in hearing is how the premiums quoted to customers by AA Ireland compare with those of other providers.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: In regard to the three underwriters with which AA Ireland negotiates, what are the key components for them of the excessive cost of insurance premiums?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: That is the reason I ask it.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: Are they operating in the UK market?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Rising Cost of Motor Insurance: Discussion (8 Sep 2016)

Kieran O'Donnell: Are they UK-based?