Speaking as a male under the age of 30 years, I have a good idea of what I mean when I refer to the blatant discrimination by insurance companies against young people. Every day we hear of the involvement of young people in car crashes. It would be much more beneficial if figures showed how many car crashes were caused by them. There is a huge difference between being involved in and causing a crash. The Minister and his officials should take this on board and be aware of using correct statistics.