The Government is in the process of implementing a radical programme of measures to tackle the high cost of insurance. The emphasis is on a co-ordinated set of actions across a range of Departments which will ensure that Ireland has a functioning insurance market in which vigorous competition will ensure a fair deal for policy holders. A fair deal for policy holders will not involve any diminution in the rights of, or the compensation available to, legitimate claimants. Rather, the measures are aimed at reducing costs by reducing the incidence and severity of accidents, reducing the cost of delivering compensation and eliminating fraud.