I welcome the Minister of State to the House. On the section, I want to make one point. It was brought to my attention recently that a young man was charged €5,000 for car insurance because his car clipped another car and the guy came back within a year claiming that he had back injuries and was awarded compensation. The point made to me was that if the average cost of insurance in the country is €750, which is regarded as average, there should be a cap on the percentage of levy charged. A young man paying €5,000 for insurance should not be paying a levy of €350. It is not proportionate or fair.
I am not suggesting an amendment to the Bill but ask that the Minister of State would bear that in mind when it comes to dealing with the regulations and talking to the insurance industry. Someone paying a very high insurance premium must pay a much higher levy than, say, I would pay with a premium of almost €1,000, which would be €70. Young men and women are under awful pressure in terms of insurance costs and, in fairness, we should spread that burden. I ask the Minister of State to look at that with a very-----