The insurance industry is no better than the legal eagles. It cries the poor mouth as we heard tonight, while at the same time revealing record profits. If ever an industry needed more competition, this is one. Let me give an example that somebody handed me today when she heard this Bill was coming up. It is a letter from AA insurance thanking her for her recent instruction to adjust her policy. The instruction was a change of address, the person in question has moved to a house a few kilometres from where she had previously lived. The AA added that there was an additional premium of €92 due to allow it to clear the item from her account. It requested payment by return of post and noted that the adjustment was a change of address. The customer has moved house and for that the insurer is charging her €92. This is an example of the need for competition.