I propose to take Questions Nos. 65 and 66 together.
Any consideration of this topic is a matter for my colleague, the Minister for Transport.
It must be remembered, however that the pricing and underwriting of insurance is a matter for individual insurance companies and EU law prevents governments from intervening in such matters.
The issues raised in these questions may have implications for the underwriting process. It would be my understanding that insurers currently require clients to disclose certain details in relation to previous driving history, in order to assess each individual risk.
Enforcement in relation to the penalty points system comes under the area of responsibility of my colleague, the Minister for Justice, Equality and Law Reform and I am prepared to raise the issue with him in the ministerial level committee which I chair, set up to report on progress in implementing the recommendations of the Motor Insurance Advisory Board.