Profits have increased, but premiums have remained at unacceptably high levels. It is vital that any measures the Government introduces to assist the insurance sector are met with reductions secured directly as a result of savings the insurance companies enjoyed through a reformed market. The Tánaiste has failed to get bankable guarantees from the insurance sector that the reforms being introduced will result in lower premiums. The sector seems unwilling or unable to commit to such a course. This is unacceptable.