Xu-Nan LawrenceDr LAWRENCE XU-NAN (Green): Thank you Mr Speaker. First of all I would like to again thank Minister Bayly for bringing this bill to the House but also an honourable mention as we have heard to the Hon Duncan Webb whose member's bill that this was kind of built on.So I know a few things have already been mentioned but I want to just kind of reiterate and pick up some of the things—and particularly the scenario that the Minister previously mentioned that when we are looking at insurance and when we're looking at the protection of people of Aotearoa particularly at the time when they are the most vulnerable when they need to make a claim on their insurance that the current system puts an unfair and particularly punishing criteria around their claim and particularly if their claim was considered to be void.So I think the two key elements when we are looking at this particular bill is around fairness and to an extent—but obviously not to the extent that the Hon Webb has mentioned before—good faith. I think in this particular case we are looking at the idea that now consumers will be expected to take reasonable care not to misrepresent as opposed to having their insurance being void and particularly when it comes to that the remedies for any representation must also be proportional to the breach. I think this is a really important move towards fairness for both parties.I think as I also mentioned before that there are two elements to this not only from the perspective of the consumers but also for small and medium sized businesses in particular who have currently been disproportionately and harshly treated. A lot of the time small businesses function more like individual consumers whereas avoidance of a contract for large businesses tend to rarely occur because they will have their advice from brokers and they're usually well informed. So I think in this case that businesses are only required to make a fair representation of risk is really important.One other thing that has also been mentioned as well that I would like to kind of pick up on is around the exception that has been currently carved out for insurances as part of the Fair Trading Act 1986. In this particular case that will also be to a certain degree removed as well.One of the other things that I think will be most beneficial to the people of Aotearoa in this particular case is also around that there's a requirement for consumer insurance policies to be clear and in plain language and also for the insurers to stay take steps to ensure the consumer understands the extent of the coverage and the exclusions that they will apply.So overall the Green Party is in support of this particular bill. I think in this case what we'll also mention is—and particularly us from Tāmaki-makau-rau Auckland will already know that people are still working through their insurance policy and have still not yet fully received the claims of the insurances as a result of the extreme weather that we saw at the beginning of last year which is I would say more than a year ago and definitely more than 14 months ago still working through those policy claims and insurance claims as a result of those extreme weather patterns caused by the acceleration of climate change.I think in this particular case modernising and updating this particular area would be really really beneficial going forward. Of course there is going to be a lot of areas that need to be teased through because this is an incredibly technical bill. We are looking forward to this bill going to the Finance and Expenditure Committing and also for people for consumers for insurance companies for lawyers or for anyone who is interested in this particular bill to submit and also speak on the bill in that select committee.