The pricing and underwriting of insurance is a matter for individual insurance companies and EU law prevents me or our Department from intervening in relation to the matter of premium levels or in respect of what risks insurance companies are prepared to underwrite. Insurers make decisions on provision of cover based on their assessment of that particular risk. Under the Equal Status Act, 2000, any individual who considers that he or she has experienced discrimination, within the meaning of the Act, may refer a complaint to the Director of Equality Investigations for investigation or mediation. Among the areas of potential discrimination are age or sex of an individual. I am concerned that persons in any particular age category might not be able to obtain travel insurance cover and I would encourage them to seek such cover from as many insurers as possible.