On this morning's "Today with Pat Kenny" radio programme, a listener called to say that, for the first time in ten years, the cost of his motor insurance premium had fallen. We may be seeing a general reduction. I agree with the sentiments expressed in this motion. There is an urgent need to do something and to continue to put pressure on the insurance companies. We cannot accept the codswallop that has been floated about 11 September 2001 and global uncertainty. It is the greatest load of rubbish I have ever heard. I suggest that we give young people something to value, such as a 70% no claims bonus for their first year driving. It will influence their attitude because, if they have something of value, they will not want to lose it. If they know that the difference between their insurance one year and the next will be €3,000 or €4,000, they will be more likely to be responsible in their actions.