House of Representatives Committees

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Footnotes

Chapter 1 Introduction

[1] Ben Hurley, ‘The new Australian dream: own an apartment’, The Australian Financial Review, 16 June 2011, <http://afr.com >, viewed 7 March 2012.

[2] Unit Owners Association of Queensland (UOAQ), submission 328, p. 5.

[3] Australian Competition and Consumer Commission (ACCC), ‘Insurance industry market pricing review: March 2002’ p. iv.

[4] The ACCC review was updated later in 2002. See ACCC, ‘Second insurance industry market pricing review: September 2002’.

[5] Australian Securities and Investment Commission, ‘Making Home Insurance Better’, Report No. 89, January 2007; Australian Securities and Investment Commission, ‘Consumer Understanding of Insurance’, Report No. 7, June 2000.

[6] Western Australian Standing Committee on Economics and Industry, ‘Report into the Western Australian Strata Management Industry’ June 2003.

[7] Western Australian Standing Committee on Economics and Industry, ‘Report into the Western Australian Strata Management Industry’ June 2003, pp. 12–38.

[8] Western Australian Government, ‘Response to the Recommendations of the Legislative Assembly’s Economics and Industry Standing Committee Report on the Western Australian Strata Management Industry’, October 2003, pp. 8, 18, 19.

[9] Western Australian Standing Committee on Public Administration, ‘Report 13, Report in relation to the inquiry into Western Australian strata managers’, September 2011.

[10] Western Australian Standing Committee on Public Administration, ‘Report 13, Report in relation to the inquiry into Western Australian strata managers’, September 2011, pp. ii–v.

[11] Western Australian Government, ‘Response to the Recommendations of the Standing Committee on Public Administration: Report in relation to the inquiry into Western Australian strata managers’, March 2012.

[12] The Treasury, ‘Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011.

[13] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 6.

[14] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 3.

[15] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 4.

[16] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 6.

[17] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 46.

[18] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 43.

[19] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 99.

[20] The Treasury, Natural Disaster Insurance Review: Inquiry into flood insurance and related matters’ September 2011, p. 15.

[21] House of Representatives Standing Committee on Economics, ‘Advisory Report on the Insurance Contracts Amendment Bill 2011’ February 2012.

[22] House of Representatives Standing Committee on Social Policy and Legal Affairs, ‘In the Wake of Disasters: Inquiry into the operation of the insurance industry during disaster events’, February 2012.

[23] L Wilson, ‘Insurance industry is failing to protect consumers, committee finds’ <http://www.theaustralian.com.au> viewed 7 March 2012; J Gould, ‘Insurers facing walk of shame’, <http://www.qt.com.au> viewed 7 March 2012; B Saunders, ‘Committee Hopes to End Insurance Nightmares’ <http://blogs.abc.net.au> viewed 7 March 2012.

[24] Insurance Council of Australia (ICA), ‘Insurance industry has already acted on key recommendations of Perrett Report, says ICA‘, Media Release, 28 February 2011, p. 1.

[25] ICA, ‘Insurance industry has already acted on key recommendations of Perrett Report, says ICA‘, Media Release, 28 February 2011, p. 2.

[26] House of Representatives Standing Committee on Social Policy and Legal Affairs, ‘In the Wake of Disasters: Inquiry into the operation of the insurance industry during disaster events’, February 2012, p. 106.

Chapter 2 Regulating, pricing and taxing risk -

[1] House of Representatives Standing Committee on Social Policy and Legal Affairs, ‘In the Wake of Disasters: Inquiry into the operation of the insurance industry during disaster events’, February 2012.

[2] Strata Community Australia (SCA), submission 354, p. 3.

[3] See, for example, Ms Margaret Grant, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 32; Suncorp Group, submission 372, p. 2.

[4] See, for example, Mrs Margaret Shaw, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 15; Ms Shelagh Murphy, submission 96, p. 2.

[5] Everton-Moore, K., Ardill, A., Guilding, C. and Warnken, J., ‘The law of strata title in Australia: a jurisdictional stocktake’, Australian Property Law Journal, vol 13, 2006, p. 3.

[6] Queensland Department of Justice and Attorney-General, submission 425, p.2.

[7] Queensland Department of Justice and Attorney-General, Body Corporate and Community Management: Insurance, <http://www.justice.qld.gov.au/__data/assets/pdf_file/0008/ 12878/Insurance.pdf> viewed 14 February 2012.

[8] Queensland Department of Justice and Attorney-General, submission 425, p.3.

[9] Queensland Department of Justice and Attorney-General, submission 425, p.3.

[10] Queensland Department of Justice and Attorney-General, submission 425, p.3.

[11] Queensland Department of Justice and Attorney-General, submission 425, p.3.

[12] Queensland Department of Justice and Attorney-General, Body Corporate and Community Management: Insurance, <http://www.justice.qld.gov.au/__data/assets/pdf_file/0008/ 12878/Insurance.pdf> viewed 14 February 2012.

[13] See Recommendation 13, House of Representatives Standing Committee on Social Policy and Legal Affairs, ‘In the Wake of Disasters: Inquiry into the operation of the insurance industry during disaster events’, February 2012, p. 106.

[14] Queensland Department of Justice and Attorney-General, submission 425, p.4.

[15] UOAQ, submission 328, p.5.

[16] Strata Community Australia (SCA), submission 354, p.4.

[17] Strata Community Australia (SCA), submission 354, p.4.

[18] Strata Community Australia (SCA), submission 354, p.4.

[19] Strata Community Australia (SCA), submission 354, p.4.

[20] Mr Anthony O’Rourke, Committee Hansard, Wednesday, 1 February 2012, Mackay Videoconference, p. 10.

[21] Witness C, Committee Hansard, Monday 30 January 2012, Cairns, p. 33.

[22] Corey and Aneka Davis, submission 177, p. 1.

[23] Whitsunday Ratepayers Association, submission 112, p. 14.

[24] Strata Community Australia (SCA), submission 354, p.7.

[25] SCA, submission 354, p.8.

[26] Owners Corporation Network (OCN), submission 388, p. 1.

[27] Mr Graham Koch, submission 214, p. 2.

Chapter 3 Decreasing risk and increasing market competition

[1] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 3.

[2] Zurich Financial Services (Zurich), submission 330, p.2.

[3] Zurich, submission 330, p.2.

[4] Mr Brad Robson, CGU Insurance, Committee Hansard, Monday, 30 January 2012, Cairns, p. 4.

[5] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 2.

[6] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 5

[7] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 5.

[8] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 5.

[9] Mr Raymond Pavey, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 23.

[10] Mr Raymond Pavey, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 23.

[11] Mr Raymond Pavey, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 23.

[12] ICA, submission 380, p. 4.

[13] Zurich, submission 330, p. 5.

[14] Zurich, submission 330, p. 5.

[15] Zurich, submission 330, p. 5.

[16] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 13.

[17] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 13.

[18] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 2.

[19] ICA, submission 380, p. 1.

[20] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 3

[21] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 3.

[22] CGU Insurance, submission 379, p. 3.

[23] Mr Brad Robson, CGU Insurance, Committee Hansard, Monday, 30 January 2012, Cairns, p. 4.

[24] ICA, submission 380, p. 4.

[25] CGU Insurance, submission 379, p. 4.

[26] ICA, submission 380, p. 2.

[27] ICA, submission 380, p. 5.

[28] ICA, submission 380, p. 5.

[29] Mr Mark Beath, submission 298, p.1.

[30] OCN, submission 388, p. 5.

[31] Mr Matthew Blackmore, submission 377, p. 2.

[32] Mr Mark Beath, submission 298, p.1.

[33] Mr Raymond Pavey, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 26.

[34] Mr Dallas Booth, Committee Hansard, Thursday 16 February 2012, p. 1.

[35] Mr Dallas Booth, Committee Hansard, Thursday 16 February 2012, p. 7.

[36] SCA, submission 354, p. 5

[37] SCA, submission 354, p. 5.

[38] Viewmont Body Corporate, submission 137, p. 5.

[39] See, for example, Body Corporate for Park Edge, submission 174, p. 1; Ms Denise Timanus, submission 39, p. 1; Mr Graham Young, submission 409, p. 1.

[40] OCN, submission 388, p. 2.

[41] OCN, submission 388, p. 5.

[42] Mr Graham Janz, submission 387, p. 7.

[43] Mr Raymond Pavey, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 26.

[44] Mr Raymond Pavey, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 25.

[45] SCA, submission 354, p. 9.

[46] Mr Mark Lever, Committee Hansard, Monday, 30 January 2012, Port Douglas, p. 4.

[47] Mr Richard Harding, Committee Correspondence, 10 February 2012.

[48] Mr Richard Harding, Committee Correspondence, 10 February 2012.

[49] The Treasury, Terrorism Insurance Act Review, October 2009.

[50] Mr Robert Whelan, ICA, Committee Hansard, Monday, 30 January 2012, Cairns, p. 7.

[51] Mr David Matcham, Committee Correspondence, 24 February 2012.

[52] Mr David Matcham, Committee Correspondence, 24 February 2012.

[53] OCN, submission 388, p. 5.

[54] OCN, submission 388, p. 5.

[55] See, for example, Mr Andrew Hayes, submission 329A; Mr Edward Dews, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 22; Whitsunday Ratepayers Association, submission 112A.

Chapter 4 Improving transparency, flexibility and choice -

[1] Dr Janice Crowley, Committee Hansard, Monday 30 January, Cairns, p. 26.

[2] Body Corporate and Community Management Act 1997 (QLD), p. 29.

[3] National Insurance Brokers Association (NIBA), submission 303, p. 1.

[4] NIBA, submission 303, p. 1.

[5] NIBA, submission 303, p. 1.

[6] NIBA, submission 303, p. 7.

[7] Mrs Margaret Shaw, submission 404, p. 2.

[8] Body Corporate and Community Management Act 1997 (QLD), pp. 341-3.

[9] Western Australian Government, ‘Response to the Recommendations of the Legislative Assembly’s Economics and Industry Standing Committee Report on the Western Australian Strata Management Industry’, October 2003, p. 19.

[10] See, for example, Mrs Margaret Shaw, submission 404, p. 1; Geoff and Kathy Partridge, submission 50, p. 1.

[11] Mr Ian Campbell, Committee Hansard, Monday 30 January 2012, Port Douglas, p. 18.

[12] Mr Ian Campbell, Committee Hansard, Monday 30 January 2012, Port Douglas, p. 17.

[13] Mrs Margaret Shaw, submission 404, p. 1.

[14] UOAQ, submission 328, p. 10.

[15] Mrs Margaret Shaw, submission 404, p. 1.

[16] Mr David Morgan, submission 4, p. 1.

[17] Mr Anthony O’Rourke, Committee Hansard, Wednesday 1 February 2012, Mackay videoconference, p. 10.

[18] See, for example, Mr Andrew Hayes, Committee Hansard, Monday 30 January 2012, Cairns, p. 2.

[19] ICA, submission 380, p. 2.

[20] ICA, submission 380, p. 2.

[21] Mr Shaun Feely, Committee Hansard, Monday 30 January 2012, Cairns, p. 9.

[22] Mr Robert Whelan, ICA, Committee Hansard, Monday 30 January 2012, Cairns, p. 13.

[23] ICA, exhibit 1, p. 1.

[24] See, for example, Mr Ian Cruickshank, submission 130, p. 1; Ms Kim Hughes, submission 305, p.1; Ms Linda Tuck, Committee Hansard, Monday 30 January 2012, Cairns, p. 27; Ms Judy Hayden, submission 100, p. 1.

[25] Ms Linda Tuck, Committee Hansard, Monday 30 January 2012, Cairns, p. 27.

[26] Ms Linda Tuck, Committee Hansard, Monday 30 January 2012, Cairns, p. 27.

[27] Ms Kim Hughes, submission 305, p.1.

[28] ICA, submission 380, p. 4.

[29] ICA, submission 380, p. 2.

[30] Mr Shaun Feely, Committee Hansard, Monday 30 January 2012, Cairns, p. 9.

[31] See, for example, Mr Matthew Blackmore, submission 377, p. 2; Sea Temple Palm Cove Body Corporate, submission 126, p. 1; The Committee of Josephine Palms, submission 361, p. 1; Mr Warren Pitt, submission 397, p. 1.

[32] Mr Raymond Pavey, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 25.

[33] See, for example, Mr Don Cunningham, submission 121, p. 1; Dr Janice Crowley, submission 389, p. 1; Mr David Wah Day and Mrs Audrey Wah Day, submission 424, p. 1.

[34] See, for example, Dr Janice Crowley, Committee Hansard, Monday 30 January 2012, Cairns, p. 25; Witness B, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 36.

[35] Mr Steven Malcolm, submission 147, p. 1.

[36] Mr Steven Malcolm, submission 147, p. 1.

[37] Mr Steven Malcolm, submission 147, p. 1.

[38] Dr John Ginger, Committee Hansard, Wednesday 1 February 2012, Townsville, p. 2.

[39] See, for example, Mr Ian Campbell, submission 281, p. 2; Mr Garry Masters, submission 95, p. 3; Mr Terry Balson, submission 68, p. 2.

[40] Mrs Pauline Stirgess, submission 185, p. 3.

[41] Mr Ian Campbell, submission 281, p. 2

[42] Mr Garry Masters, submission 95A, p. 1.

[43] Mr Garry Masters, submission 95, p. 2.

[44] Mr Colin Archer, Committee Hansard, Monday 30 January 2012, Port Douglas, p. 7.

[45] Mr Anthony Sharp, submission 283, p. 1.

[46] Mr Warren Pitt, submission 397, p. 3.

[47] Queensland Commissioner for Body Corporate and Community Management, <http://www.justice.qld.gov.au/justice-services/body-corporate-and-community-management>, viewed 7 March 2012.

[48] Strata Community Australia NSW, <http://nsw.stratacommunity.org.au/page/education/ free-online-executive-committee-training>, viewed 7 March 2012.