Car insurance costs are coming down but it could be a while before motorists see an improvement in their bills.
New figures show there's been a 14% drop in prices - the most dramatic decrease since costs began rising three years ago.
The Irish Independent suggests the reduction could be linked to dawn raids on insurance companies by the EU Competition Directorate designed to break-up cartels.
The paper quotes Michael Kilcoyne of the Consumers' Association who says the raids have frightened insurers.
The EU is investigating the possibility that a cartel is operating in the Irish motor insurance industry.