John McGuinness

Deputy Ó Broin, would you mind listening to the Tánaiste's reply, please?

No, have some manners.

I call Deputy Cian O'Callaghan.

It is pointless me having to try to shout down Deputies on the Government side, then shout down the Opposition and try to get the business done. If Deputies respect each other and the time they have, we will get on just fine and everyone will be able to make their points adequately.

You have to conclude, Deputy Connolly.

Please, Deputy Connolly.

I call Deputy Fitzmaurice.

We will stop the clock.

I call Deputy Michael Fitzmaurice.

Will the Deputy conclude, please?

Thank you, Deputy.

I want to congratulate the Minister of State on his appointment and to wish him well in his role. I have had dealings with him in the past when I served as Chairman of the Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach. He presented his Estimates and every time he came in I reminded him of Carlow, Kilkenny and the schemes that were waiting to be planned and completed…

Right across the insurance sector, premiums have increased significantly and there is an upward trend in every piece in every area, such as motor insurance and house insurance. SMEs across the country are faced with significant challenges in getting insurance. Flood insurance is impossible to get. Young people trying to get mortgage protection who may have had glitches with their health issues in …

The Deputy should stick to the topic.

Let us just deal with the legislation.

Deputy-----

It is, but I want the Deputy to stick to the subject of the debate.

I accept all of that, but this is not the place for that conversation. We are debating the legislation.

I ask the Deputy to stick to the legislation.

He is making a bad job of it.

Amendments Nos. 1, 2, 5 and 20 are related and will be discussed together.

Is the Deputy referring to amendment No. 7?

We are on amendment No. 1.

You are way ahead of us.

Amendment No. 3 in the name of Deputy Catherine Connolly is out of order due to a potential charge on the Exchequer. Amendment No. 4 in the name of Deputy O'Rourke is out of order.