I start by welcoming Josie, Jacek, Cillian and Eabha along with their teachers, Ms Lavin and Ms Keyes, and congratulating them on their outstanding achievement as European debating champions.

Reports this week from the national claims information database have highlighted further increases in motor insurance premiums. This is no doubt an added financial strain on motorists at a time when there are so many demands with the cost of living. Significant progress has been made on insurance reform, but premiums remain stubbornly high. In the best interests of reducing costs and premiums for much-pressed consumers, I have two asks of the Government. First, it needs to determine more ways in which the Injuries Resolution Board can be tasked as the fastest and fairest way to process claims. Second, it must reject the proposed recommendations of increasing personal injury guidelines by up to 17% and extending the current review period of three years, thereby giving certainty to the market and the sector.

I thank the Deputy for raising the important issue of the cost of insurance and the impact that can have on consumers, businesses and so many parts of our lives, our economy and our society. I know that the Government is working its way through that issue at the moment relating to the PIAB guidelines. The Deputy has made a sensible suggestion to look at the length of time for the reviews, which I think is probably too frequent. I know that the Government, led in this area by the Minister for Justice, will give consideration to whether there is a need to amend legislation as well. We are also re-establishing the Cabinet committee on insurance reform, which I will share with all relevant Ministers. We will certainly take forward the Deputy's suggestions through that forum as well.