Insurance Ireland has been working with the Government and the Central Bank of Ireland to put in place the Non-Life Renewal Regulations which come into force today (1 November). It has always been our belief that these regulations are important in assisting insurance customers in making informed decisions on the cover that is right for their needs. These same customers also deserve to have the long-awaited recalibration of Irish claims costs completed. It is over a year since the Personal Injuries Commission established that Irish soft tissue awards were 4.4 times those paid in the UK. We still do not know when this overdue recalibration of our personal injury awards will happen. This lack of claims cost reform will be a disappointment to Irish insurance customers and it should commence without any further delay.