Paul Coghlan (Fine Gael)

I appreciate that and your remarks too. I refer the Leader to the significant profits we read about this morning that the insurance companies have made in the past year and ask what plans the Government has in that regard. It is good news for consumers and policyholders provided there are proportionate reductions. What plans, if any, does the Government have to ensure those reductions are passed on? We went to great trouble in this and the other House to ensure the passage of the Personal Injuries Assessment Board Act and the Civil Liability and Courts Act. These reductions happened without the further good effects which will follow the passage of those measures. What sanction, if any, will the Government impose if they are not passed on? If we are to have confidence in insurance companies, it is important they are seen to be fair and proportionate in their dealings with consumers and policyholders.