I again raise the issue of the high cost of motor and public liability insurance premiums in this country. This has been the subject of numerous debates in this House. There have been committee reports and action plans. I acknowledge the work done by Government to date, which has had some effect in reducing costs with regard to payouts and so forth. There is a lot more to be done, particularly the establishment of the council to deal with the whole area of fraudulent claims. The Irish Hotels Federation has indicated that the annual cost to the sector is €70 million. That works out at €1,150 per bedroom. It is an enormous sum of money. The Minister answered questions on this issue earlier today and he specifically said the Government cannot set the premiums. I do not want the Minister to do so, but I want him to listen to this very carefully. As we take action, there is no indication that the benefit of that action is being passed on to those paying the premiums. I want the Government to carry out a thorough review of the insurance industry to ensure that competitive practice exists, that there is no collusion, and that no cartel-type practices are occurring. If the Government does not do so, and if the steps we are taking do not result in a reduction of premiums, then we are wasting our time. We are working diligently, as are the Minister and the Minister of State with responsibility for this sector, yet the premiums are not coming down-----

Okay, we have got the gist of the question.

-----although the insurance companies are profiting.

I will allow Deputy Brady a short question related to Deputy Curran's. I remind him that he has colleagues waiting.

It is clear the Government has failed in respect of the insurance sector. I was dealing with an individual who runs an outdoor activities business in Bray, County Wicklow. His premium was up for renewal. Last year it was €1,200 but the insurers have hiked that up to more than €10,000 for this year. That is a massive tenfold increase.

The Deputy should ask his question.

He only operates four months of the year. That insurance increase will put him out of business unless something is done. His is not an isolated case. Five businesses providing nearly identical services to his have already closed their doors.

I ask the Deputy to think of others.

Why is the Government sitting on its hands? Businesses are being forced to close down.

I let the Deputy in on the back of another question.

Our outdoor activities sector is on its knees. We need action. The Government needs to address this issue immediately.

I ask Deputies to please think of their colleagues. They are critical of me, but they should be critical of their colleagues who do not allow them their opportunity.

The Deputy's colleague raised the very same issue earlier on and I responded. There is no doubt that this House is very determined in seeking to respond to this problem. In response to the Deputy's question, as I said, the Consumer Protection and Competition Commission is examining price signalling. The Central Bank now has access to a range of new data coming forward from the insurance companies which will put us in a position to evaluate the policy issues more forensically. I assure the Deputy that the Minister responsible continues to be determined to push on with the reforms and to get the outcome all Members of the House want to see.