SpeechDr JIAN YANG (National): We all understand that insurance is vital in our society. Most of us have experienced some kind of claim against damage for example a car incident—it happens quite often. That has happened to me actually recently. So it is kind of stressful to have some kind of accident but at the same time if you have good insurance if you are confident that this thing will be sorted quite quickly then you would feel less stressed and therefore you'll be able to focus on something else so you can move on with your life.But an earthquake is actually more of course stressful. As an Aucklander I do not have this kind of experience an earthquake but Kaikōura Christchurch—all these places experienced earthquakes and residents there I can imagine must have gone through a stressful time. If you can't sort out accommodation can't sort out your claims in a timely way—you can imagine how miserable how stressful these people's lives would be. This bill is indeed a very good bill because it helps people and it makes sure that the claims will be sorted quite speedily in a timely manner for those who can no longer live in their accommodation their properties. This is a very important bill because if people can't live in their properties they have to find a place to stay and they do not know when the issue will be sorted. They do not know whether financially they will be able to sustain this kind of stressful ordeal. So this is the purpose of the bill—basically to set out a time frame to set up legislative framework to make sure that these issues can be sorted.The bill also envisions some kind of difficulties some kind of extraordinary conditions. In those conditions the time frame would be longer. So this bill indeed has all the details to help those who are in difficulty to find a way out and the hard-working MP Stuart Smith must have contacted many many constituents and must know all sorts of stories. So this is the motivation to help those people who are in difficulty to get help in a speedy way.Now actually I did a quick search online to see the experience of getting claims sorted. I've found that earthquakes—this is a survey. They found that earthquakes caused enough uncertainty and stress long before you or your organisation has to deal with a complicated claims process"—right? The survey also has found that many people find dealing with insurers to be incredibly confusing overwhelming and long-winded. So it is a challenging process and they don't know what to do. They have no time to deal with a very complicated case they have no experience in dealing with complicated cases and they have no idea when this will be sorted. You can imagine how stressed people can be.So this bill tries to make sure that the insurers need to act quickly or in a timely way. If there is a necessity for the claims to be extended under certain circumstances it can be extended and the Minister would have the discretionary right basically to make decisions in some circumstances so it is not like one bill for all. It is a bill which tries to find a way to help the residents who have no place to stay who want to get out of this particular ordeal in a legal and proper way. So I support the bill to the House."