Inflation in prices in the insurance sector is completely out of control and has not kept in line with ordinary inflation. The Government has done some work in this regard but has not been moving as swiftly as the Opposition would have wished. There have been major improvements in road safety in recent years. It is astonishing that 472 people were killed on the roads in 1997. This number has reduced by more than 20% up to last year as a result of the penalty points system. However, we have not seen the major reductions in insurance premiums that should have followed. Politicians need to put pressure on insurance companies to pass on the huge savings they are making thanks to legislation.