As Senator Minihan has rightly stated, third level students are driving cars to and from college to avoid the costs associated with living away from home. In rural areas, in particular, the use of a car is an absolute necessity. As motor insurance is a legal requirement, insurance companies were taking advantage of young people and abusing them by quoting absolutely exorbitant insurance premiums. It was most unfair that that situation continued for so long. One effect was that young people were buying cars valued, in many cases, at a fraction of the cost of the insurance premiums, thereby giving rise to serious implications in terms cheap cars of a very poor standard, with consequent road safety hazards. That is an unthinkable effect of excessively high insurance costs.