One insurance company, Hibernian, stated that joining its scheme would lead to a 20% reduction in premium. I welcome that development and I know people who have benefited from the scheme. On the other hand, I read a letter in the Irish Independent last week about a person who joined the Hibernian insurance scheme and who subsequently found that the €4,000 premium he was originally quoted remained the same. That is extremely disappointing. There are a number of questions we need to ask about the scheme if that is the case. The motorist concerned stated that he was now selling his car, which is disappointing.