Will the Minister tell the House if he has any special provisions in mind with regard to the insuring of young people?

That appears to be a separate question.

No, it is related.

If the Deputy could be more specific in his question I might be able to answer it.

The specifics are, young people, insurance and exorbitant prices. What is the policy of the Minister of State?

In relation to a price application in any area of insurance, my policy is that there should be an underwriting break even. That is a well understood principle that has been in operation in my Department for a number of years. It allows the cost of insurance to fall where it should fall, a policy that is well understood. I realise that the cost of motor insurance in particular for young people is high but I maintain if reflects the risks involved. Motor insurance for young people is available and if there is any difficulty for young people in getting insurance notification should be given to my Department so that we may examine the matter.

It is so high they avoid taking it out at all. They cannot afford it.

9.