Sir, - Your correspondent Sean Butler (January 16th) asks why community rating does not apply to motor insurance. The answer is glaringly obvious.
Health insurance is designed to insure the health and well-being of the insured person. Motor insurance, on the other hand, is intended to insure the health and well-being and, indeed, the lives of the community at large.
Statistics show that the premium differential is amply justified. - Yours, etc.,
Ennafort Park, Raheny, Dublin.