The Minister of State is new in the brief but I have heard nothing from him that is new. The one factor that is constant in all of this is that people are being ripped off. Motor insurance has increased by 12% since 2022. I am sure the Minister of State knows all about the increases from having to insure his house. A significant number of people are seeing their insurance premium go up, and not only by €300, €400 or €500. What is happening in the insurance industry is ridiculous. Insurance brokers argue that it is …