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Seanad: Judicial Appointments Commission Bill 2017: Report Stage (Resumed) (26 Nov 2019)

Anthony Lawlor: Talk about the pot calling the kettle black. Jesus Christ.

Seanad: Judicial Appointments Commission Bill 2017: Report Stage (Resumed) (26 Nov 2019)

Anthony Lawlor: Since we have discussed those already, can we vote on them?

Seanad: Judicial Appointments Commission Bill 2017: Report Stage (Resumed) (26 Nov 2019)

Anthony Lawlor: We have discussed amendment No. 7.

Seanad: Judicial Appointments Commission Bill 2017: Report Stage (Resumed) (26 Nov 2019)

Anthony Lawlor: Move it.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: Is that the total cost of claims?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: Can Mr. Horan give us those figures?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: The proof of that.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: It may have lost money, but its tax bill is reduced and it is able to carry losses into the following year. Mr. Hassett's claim is a poor one. The sector is probably paying less tax now than it would have been paying prior to 2013-14. With regard to what has been revealed today, what is a ghost broker?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: The person would not use the name of an existing broker as cover. In other words, the person would operate under his or her own name.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: For example, could Deputy Pearse Doherty, operate as a ghost broker under his own name?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: I understand. Why did it take Aviva so long to discover that in respect of up to 1,000 of its customers it was dealing with a ghost broker? Is there nothing in its system that would detect new operators and trigger an inquiry in regard to their licence status and so on? It would appear that the insurance companies are not doing due diligence in regard to the brokers they deal with. Is...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: Mr. Hassett represents the insurance companies.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: Should companies undertake due diligence of the brokers with whom they do business?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: I am speaking about a broker who sells insurance policies on behalf of an insurance company.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: In that case, the insurance company facilitates the fraudulent activity.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: I have not used it.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: How do they present themselves to the insurance companies? Mr. Hassett said earlier that some insurance companies have taken on these policies.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: I reiterate that the insurance companies are not doing due diligence in regard to the people with whom they are doing business.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: This is adding to the cost of insurance for the ordinary person.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Dual Pricing for Insurance: Discussion (Resumed) (21 Nov 2019)

Anthony Lawlor: I will come back to Mr. Hassett later on the substantive issue we are discussing today. I have a couple of questions for Mr. Fergal O'Leary. How many people or companies make up a cartel?

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