This comprehensive and co-ordinated approach shows how serious the Government is about the whole insurance issue. Initial indications are that the reform programme is having a real effect. A number of companies have announced major reductions in motor premia rates and more reductions are expected. Reductions in employer's liability and public liability insurance costs, which currently represent a significant burden for business in Ireland, are also expected. An Automobile Association survey published recently shows that the cost of motor insurance has fallen by up to 32% for some drivers between April and October this year. According to the Irish Insurance Federation there was an average 15% drop in premium levels up to September this year.