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General insurance

March

ASX-listed IAG is defending itself against some $7 billion in claims related to the collapse of Greensill Capital.

IAG seeks to delay trial on $7b Greensill insurance claims

Greensill Capital’s biggest insurer is less than a year away from defending claims that were lobbed after Lex Greensill’s financing firm collapsed in 2021.

What to do when disaster strikes your holiday house

While loss or damage to a beloved family retreat may not be as wrenching as a hit on your main home, the process of getting it fixed has challenges that can be equally infuriating, baffling and stressful.

Residents wade through flood waters from ex-tropical cyclone Alfred in Tingalpa on Brisbane’s Eastside on Monday.

The $400,000 gap putting Alfred victims on notice

Widespread underpayments by insurance companies in the 2022 Victorian floods mean claimants should look carefully at what their insurer first offers.

Flooded homes in Tingalpa, as a result of heavy rains.

The 210pc insurance tax you didn’t know you were paying

No other tax has such a large economic welfare loss. Despite the Henry Tax Review wanting them scrapped, taxes on insurance premiums continue to distort the market.

Some fund managers will argue Australia’s three big insurers have had a lost two decades. Now they’re tempted back by premium increases.

Alfred highlights need to fix insurance industry

Readers’ letters on the insurance industry after Cyclone Alfred, Peter Dutton’s nuclear power policy, attacks against Australian Muslims, Donald Trump’s policy and the share market slump.

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Opposition leader Peter Dutton.

Dutton rekindles threat to forcibly break-up insurers

The opposition leader has moved to clear up internal confusion, if not division.

We should remember that rising insurance premiums aren’t just driven by extreme weather  but also by outdated regulations.

Alfred’s a reminder that red tape is pushing up premiums

The problem is not only extreme weather. Australia’s fragmented insurance regulatory structure which requires separate licences for each to operate is also driving up costs.

CBA shifted an emergency mobile “bank in a box” from Townsville to Brisbane on the back of a semi-trailer this week.

Banks deploy mobile branches, generators to cyclone zone

Major banks have sent mobile banking units powered by their own diesel generators to Brisbane, after Armaguard halted cash deliveries to ATMs due to high winds.

A resident of Graceville, a Brisbane suburb prone to flooding, sand bags his house on Friday.

Canberra shields insurance companies from cyclone losses

The Australian Cyclone Reinsurance Pool covers insurers for damage when weather is classified as a cyclone – and for 48 hours from the time it is downgraded.

Tom Neville aboard his yacht Postremo at Brisbane East Coast Marina.

This yachtie parked his boat in Brisbane to avoid Cairns’ cyclones

Tom Neville sailed Postremo south thinking it would avoid the summer storm season. Now he’s battening down the hatches in Cyclone Alfred’s landfall zone.

From left: Cbus chair Wayne Swan, APRA chair John Lonsdale and NAB chair Phil Chronican.

Bank, super boards the target of APRA’s new director rules

The lobby group for company directors described some of the proposals, which include limits on tenure and more oversight in succession planning, “overreach”.

IAG acquired the insurance business of the Royal Automobile Club of Queensland for $855 million last year.

IAG, Allianz eyeball Royal Automobile Club WA

IAG is understood to be working with Goldman Sachs while Allianz has JPMorgan along for the ride.

February

A flooded South Pine River, north of Brisbane, in January. The ICA says of the estimated 225,000 Australian homes in the highest flood risk locations, only 23pc have flood cover.

Insurers call for $30b flood defence fund to protect properties

After Peter Dutton said he wanted to break up insurers, the industry wants to partner with governments to strengthen infrastructure and relocate the most vulnerable buildings.

Companies across the economy are introducing powers to suspend or terminate accounts when financial abuse is suspected. 

Banks, insurers crack down on abusers using their products as weapons

Financial abuse is estimated to cost victims $5.7 billion every year – more than twice the amount of losses from scams.

Andrew Horton, CEO of QBE, says to reduce premiums, you need to reduce risks.

QBE boss hits back: high insurance premiums are due to risk

Andrew Horton has issued the first response from an insurance industry boss since the opposition leader threatened to break up companies.

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Peter Dutton and shadow treasurer Angus Taylor do not want to scare voters before the election with more radical proposals on tax, industrial relations and spending cuts on the National Disability Insurance Scheme.

Populist politics won’t make insurance cheaper

Peter Dutton has reached for a big stick without any attempt to explain how breaking insurers up into smaller companies would lower the cost of insurance.

Streaming might be more productive than the old video store, but what’s the human cost?

Don’t neglect the human elements of productivity

Readers’ letters on the downsides of digital service delivery; Peter Dutton and big insurers; anti-hate speech legislation; RBA promises; offshore wind farms; and cost blowouts.

Home insurance premiums in flood-prone regions surged by 50 per cent in the past year.

Insurers argue returns are falling as Coalition seesaws on divestment

Peter Dutton threatens to force insurers to divest assets if they were found to be abusing their market power. He made similar remarks about supermarkets.

Opposition Leader Peter Dutton promised no cuts to frontline public services at a press conference at Parliament House in Canberra.

Dutton’s ‘big stick’ plan could make your insurance more expensive

Rather than focusing on re-regulating the sector, the Coalition leader should take the advice of his own backbench and ease the regulatory burden.

A fire-ravaged property in the Pacific Palisades last month. IAG said the devastating wildfires have drawn attention to bushfire coverage in Australia.

IAG says LA wildfires were a wake-up call on disaster preparation

The insurance giant, which owns the NRMA and CGU brands, reports a 91 per cent jump in interim profit, but its shares fell as premium rises moderated.

Original URL: https://www.afr.com/topic/general-insurance-1np7