It is encouraging to see today that the Central Bank is reporting a reduction of 5% in motor insurance in the first six months of this year. We also read today that the 188,000 uninsured drivers over a five-year period are adding €175 to premiums, effectively 6% per year. Can more effective action be taken to detect uninsured drivers?

I also welcome the fact that motor insurance premiums are continuing to fall. I think they have fallen about 40% or 50% from peak now. I would like to see the same happening when it comes to business insurance. Employer's liability and public liability have not come down and that is disappointing. The fact that there are so many uninsured drivers on the road is a cost for everyone, because the cost gets loaded on to the motorists who do pay their insurance and that is not fair. I am not sure if there are additional actions that can be taken but I will certainly take it up with the Minister of State, Deputy Carroll MacNeill, who is responsible for this area, and with the Tánaiste, who chairs the committee on insurance reform.

We are over time and there are four speakers left. I am going to take the four speakers but I ask for Deputies' co-operation.