Young Fine Gael is very concerned with this issue. Males under 30, in particular, are being crucified in terms of car insurance. Many companies will not even quote them. The idea of being innocent until proven guilty does not apply in terms of insurance companies. Once they are asked to quote for a male under 30, they do not want to know. They have not time to say goodbye, so anxious are they to hang up the telephone. Hopefully that can all change. We should be doing everything possible to reward safe driving and provide incentives.