保额封顶是保险业的定时炸弹 .jpg)
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工党领袖大卫•康立夫 （Hon David Cunliffe）
工党领袖大卫•康立夫今天说：新西兰保险业转向保额封顶而置成千上万新西兰人于保险不足的境地，犹如给社会投下一颗定时炸弹，这种局面说明有必要设立一个国有保险公司以提升行业水准。
3月17日，我国的保险申诉专员已明确表示：就房屋投保金额而言，太多案例显示保险公司经常没有给客户一个准确的信息。
正如申诉专员指出的那样，保险公司给客户的讯息过于笼统，某些情况下给的资讯完全是错误的。
近60万户家庭可能被置于保险不足的境地。如果他们的房屋遭火灾烧毁，修缮费的缺口可能高达几十万纽元。
假如“屋漏偏逢连夜雨”，再有什么灾难临头，这些家庭便不可能有钱重修住屋。所以眼下保额封顶的规定无异于一颗随时可爆的定时炸弹。
保险行业执意要转向推行保额封顶，是因为坎特伯雷的数次地震给它造成了沉重打击。但是，保险业并没有为其如此重大的决策而给新西兰人提供必要的资讯。
这么做是不对的。保险行业必须提升其服务水准。这正是为什么工党要推出“国民保险”KiwiAssure政策的原因――“国民保险”是类似于国民银行（KiwiBank）风格的保险公司，它将提高新西兰的保险服务水平、优先照顾国人利益。
工党将会密切监督保险行业的发展，特别是基督城地区。
(本新闻稿原文如下)
David
CUNLIFFE
Labour Leader
17 March 2014 MEDIA STATEMENT
Insurance industry drops ball on sum insured
The insurance industry is overseeing a ticking time bomb with its move to sum insured leaving thousands of New Zealanders underinsured, which shows the need for a locally-owned company to raise standards, Labour Leader David Cunliffe says.
“The Insurance Ombudsman has today made it clear that in many cases insurance companies are not giving their customers an accurate idea of how much to insure their home for.
“The information sent to customers is too generic and, as the Ombudsman points out, is just plain wrong in some cases.
“Around 600,000 families could be underinsured. If their house burnt down they could be hundreds of thousands of dollars out of pocket.
“If there was another serious disaster families wouldn’t have the money to rebuild. At the moment sum insured is a ticking time bomb.
“The industry has insisted on moving to sum insured because it took a big hit after the Canterbury earthquakes. But it isn’t providing the information Kiwis need to make such a big decision.
“That’s not good enough. The industry needs to lift its game. That’s why Labour will introduce KiwiAssure - a KiwiBank-style insurance company that will raise standards and look after Kiwis first.
“Labour will closely monitor developments in the insurance industry, especially in Christchurch,” David Cunliffe says.
