Insurance customers can get very good deals by shopping around regularly, and we would advise them to do so as they would for other services and utilities. Insurance Ireland understands from media reports that the Central Bank of Ireland intends to assess adherence to the Consumer Protection Code. Insurance Ireland will seek clarity from the Central Bank on the scope of this assessment and will engage constructively on it. It is important that any market study fully considers the operation of the market to ensure a balanced approach is achieved for all customers. Pricing decisions are commercial matters and are the sole responsibility of individual insurers.