Faafoi KrisHon KRIS FAAFOI (Associate Minister of Housing (Public Housing)): My colleague Peeni Henare raises a very timely issue in terms of insurance in general. I just wanted to ensure that the House is aware of substantial work that the Government has in the insurance space—whether it be personal insurance contents insurance or insurance experiences in the likes of Christchurch and I'll get to that.The Government is currently undertaking a rather large review of insurance contract law in order to give consumers more certainty around what they are covered for and I guess more certainty in terms of what they might get in terms of claims—I think that's one piece of work—but also after some work by the Reserve Bank and the Financial Markets Authority looking at both the conduct of the financial sector and the insurance sector.A separate piece of work is being undertaken—by I think Minister Woods but that may have transferred now to Minister Robertson as the Minister responsible for the Earthquake Commission—around the insurance experience of Christchurch. Having visited Christchurch I think earlier this year and initially having gone down to listen to general insurance experiences it's clear that the experience of Christchurch residents post the 2011 quakes in a lot of instances—and I'm not sure if it's the majority so I want to caveat that—has been in the parlance of Treasury suboptimal. So I think we will learn a lot from that experience and that review about how insurance especially in those kinds of instances can be made better for consumers.I also wanted to make sure I responded to Jamie Strange who asked how these reforms within the Residential Tenancies Act amendments fit into the wider scope of changes that the Government is making around tenancies. I think one of the harsh realities of the housing crisis is that a lot more New Zealanders are going to be facing being in rental accommodation either for a lot longer than they would hope or for in some instances their entire lives. Making sure that we have some clarity both for those tenants and in many cases landlords is essentially what this bill does but also there are a lot of other measures that the Government is taking to ensure that those people who are in rental accommodation can do so in an effective manner for them and their families.One obvious thing that the Government is doing is the healthy homes standards which will prevent thousands of children from going to hospital. I think that's a no-brainer. I think most New Zealanders as taxpayers would see the benefit of making sure that people who are living in rental accommodation are in healthy warm safe homes. We've also banned letting fees and we're progressing this piece of legislation and we've also—as someone who grew up in a State home—stopped the sell-off of Housing New Zealand properties and committed to building over four years 6400 homes. We'll have a very good update for the public about that very soon.In the wider context of what's happening in this space this is another important piece of the puzzle to ensure that New Zealanders are looked after in rental accommodation. I also want to note that we're striking that balance between the rights of both tenants and landlords and again going back to that Osaki case where that imbalance around the tenant liability and the landlord liability that the previous Government and this Government certainly feels was out of whack.The question was put that the amendments set out on Supplementary Order Paper 254 in the name of the Hon Kris Faafoi to Part 1 be agreed to.Amendments agreed to.Part 1 as amended agreed to.