On one occasion on which I raised this issue the Tánaiste said my contribution was "quite a diatribe". Perhaps he will be more considered in his response today given that since that time, the Central Bank's investigation, which was prompted by my dossier, found that what I said was true and that dual pricing is being used by the majority of insurance companies. This is a practice that rips off consumers. The Central Bank is so concerned at what it has seen that it has called for immediate action. The courts have found that business interruption cover, which is an issue I have raised with the Tánaiste time and time again, should support the consumer against the insurance industry.

As late as today, the Competition and Consumer Protection Commission has, in its preliminary findings, found against the insurance industry for what I would describe as cartel-like activity. The commission says there are reasonable grounds now to believe that the industry or a number of companies have broken the law for price signalling. With that in mind I ask the question. The Tánaiste has talked about conspiracy theories. The Minister for Finance put on the record of the Dáil that he has delayed significant parts of the implementation of my legislation for a further year because the insurance industry sat down with him and said they wanted it delayed. Given everything that I have said, given that the Competition and Consumer Protection Commission has found against the industry, given that the Central Bank is so alarmed that it has called for immediate action and given that the FCA is finding in favour of consumers, will the Government for once stand up for the ordinary people against the industry and implement in full the legislation that was endorsed by Fine Gael and every party in the House? My legislation balances the scales in favour of consumers against an industry.

Ní féidir leanúint ar aghaidh mar seo, a Theachta. Bhí nóiméad amháin ag an Teachta Doherty agus níl sé féaráilte do na Teachtaí eile. Tá mé ag rá é sin le gach Teachta. Deputies have one minute to put a question and one minute for a reply. It is to be fair to all Deputies.

Gabh mo leith scéal.

From the way the Deputy is speaking, one would not think that the Competition and Consumer Protection Commission was a Government agency. It is a Government agency under my Department that carried out the investigation and released a statement only in the past hour. Rather than criticising us, Deputy Doherty should at least welcome the fact that an agency under my Department took this action. The way Deputy Doherty is speaking one would swear it was some sort of NGO or something.

I am told that at least 22 of the 27 sections of Deputy Doherty's Consumer Insurance Contracts Act are now in operation. That will result in positive changes for consumers. Certain sections of the Act will have a transformational impact on insurers' systems and operations. A further year is provided so that insurers can prepare to implement these sections, taking account of the impact that it will have on systems. The Minister for Finance, Deputy Donohoe, believes it is a balanced measure and an appropriate way forward for industry and consumers.

I would say to those in the insurance sector that the findings of the Central Bank and the Competition and Consumer Protection Commission should be a wake-up call for them. They should get on with making these changes, whether legislatively required to or not.