Cost of insurance

Sir, – Micheál P O'Higgins SC, the chairman of the Council of the Bar in Ireland, wrote a very learned and comprehensive article describing how insurance cases are handled by the legal system (Opinion & Analysis, April 19th).

He managed to do this without mentioning the issue of the legal costs involved in these cases.

Presumably we can therefore conclude that these are not a factor in insurance costs? – Yours, etc,

LIAM ROCHE,

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Dublin 14.