Another centre nearby was quoted a premium of €274,000. Therefore, it would need to earn more than €250,000 before it could even start to pay off the rest of its expenses, never mind make a profit. In the end, it managed to negotiate with the insurance company and reduce its premium to €100,000 with a loading of €20,000 for every additional claim. When it is put like this, there can be very little economic sense in having insurance considering every claim will cost the centre €20,000. One might claim insurance costs were always high, but two years ago this centre was paying the equivalent of €65,000 per annum.