The action plan on the implementation of the MIAB recommendations was published last October. A number of the recommendations have already been implemented. The Motor Insurance Regulations 2002 deal with a minimum period of notice for renewing motor insurance policies and the format of the no-claims bonus certificate. New rules governing advertising by solicitors in relation to personal injuries, for example "no foal, no fee" advertising, have been introduced. The Irish Insurance Federation has implemented or is in the process of implementing through codes of practice a number of other recommendations relating to such matters as giving reasons in writing for refusing a quotation, recognising the driving experience of retired drivers who have a record on their employers' fleets, rating policies based on accident free driving rather than risks based solely on age and desisting from the practise of requiring collateral insurance business to be placed with the company before supplying a motor quotation. The IIF is also in discussions with IBEC about claims settlement guidelines. Progress on the implementation of the other recommendations is continuing.