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Wed 04 Apr 2003Cheaper car insurance? Well, don't count on it

As chief executive of the Irish Insurance Federation (IIF), the industry's representative body, Michael Kemp is the public face of an industry we all love to hate. And, after two hours dissecting the industry and chasing up cul-de-sacs for solutions to the intractable problem of exorbitant premiums, even the most optimistic commentator begins to feel disillusioned about suggested cuts of up to 30 per cent.

Like a surgeon, he dissects the suggested changes, using figures as his scalpel. Little words such as "if" and "when" would seem to be the pillars of the initial estimate of cuts and Kemp is quick to cut these down to size.

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