In parallel with the reform programme, my Department, in conjunction with the Competition Authority, is undertaking a study of competition in the insurance marketplace with particular reference to motor, employers' liability and public liability insurance. A public consultation process took place prior to the finalisation of the terms of reference for the study. The scope and terms of reference are: to identify anti-competitive practices or other constraints on competition in the non-life insurance market in Ireland, with particular reference to motor, employers' liability and public liability insurance; to highlight any anti-competitive practices or other constraints particular to the Irish market; to make recommendations to ensure competition works well for consumers; and in the case of problems identified at EU level, to make recommendations for change at that level.