Separately, Minister of State Fleming noted that the recently agreed Programme for Government includes a commitment to work to remove dual pricing from the market and proposals will be brought to Government shortly to commence implementation of the Programme. The Central Bank’s review is an important element of this commitment, and it is important that the review now move to the next phase, so that a conclusion can be reached on this issue. This next phase will assess the degree of differential pricing among private car and home insurance policy types. In parallel, a consumer insights exercise will be undertaken to further develop the Bank’s understanding of how consumers engage with insurance providers. This is a positive development but as it is a complex issue, it will need careful consideration of any potential remedies, and what overall impact they would have on consumers.