I am happy to hear the Minister at least admit that the legislative procedures are somewhat inadequate in so far as the settlement of all types of insurance claims is concerned. Would the Minister agree with me further that there is a certain amount of selective quoting of insurance premiums taking place and that certain companies are not now prepared to take the risk — because of the location of certain properties, because of the crime rate and so on? But I would have to ask the Minister if he is aware that some companies are actually talking about withdrawing from quoting in general insurance entirely because of these difficulties? What protection does the Minister intend providing for general insurers who find themselves in this dilemma?

The Deputy appears to be going from one end of the spectrum to the other.

That is what Question Time is all about.

The Deputy started with over-competitiveness and now he is going on to worry about somebody dropping out——

It is general insurance quoting and 26 companies have lost money every year for the past five years.

We are talking about companies involved in liability underwriting. There are 26 insurers involved in this business in Ireland.

They are all losing money.

That is not my Department's fault.

This question should be confined to rate cutting and I allowed a discussion about legislation, court cases and many other matters which had nothing to do with it.

There is rate cutting because of the fierce competitiveness in the trade and many of those companies are liable to go down.

The Deputy should not be scaremongering.

Twenty-six companies are losing money each year.

Will the Minister please answer Question No. 11?

The answer to Question No. 10 was most unsatisfactory.

This is most disorderly. I have called Question No. 11 and the Minister should answer it.

I wish Deputy Flynn would not interrupt when I am trying to clarify a question.