A man representing New Zealand reads a newspaper whose headline is ''Quake may cost insurance co's up to $16B'. Above him is an enormous mosquito that represents 'increased premiums' and that is about to suck the blood out of him; it casts a huge menacing shadow in which the man stands. Context - Insurance companies have experienced massive losses after the Canterbury earthquake. This may ultimately result in higher premiums as insurance companies try to recoup from their loss. According to Chris Ryan, Insurance Council chief executive, "The quake would probably result in foreign reinsurance companies increasing the premiums they charged local insurers." (Stuff 9 Sep 2010) Quantity: 1 digital cartoon(s).
Shows snarling rats labelled 'insurance companies' in a cityscape. Context: Concerns about shortfall in insurance cover have arisen in response to the Christchurch City Council's draft annual plan, which proposes a 7.5 per cent rates increase to fund earthquake rebuild (Stuff 23 April 2012). Quantity: 1 digital cartoon(s).
A louse labelled, Insurance companies, is shown eating something labelled, Huge premium hikes. A definition of the louse as a scavenger and a parasite is given below. Context: Insurance premiums rose New Zealand wide following the 2010 and 2011 Canterbury Earthquakes Quantity: 1 digital cartoon(s).
Shows a fish wondering about the difference between an insurer delaying earthquake-damage settlements and a scavenging groper. Context: refers to the unacceptable and hugely damaging delays in the provision of earthquake damage settlements by insurance companies after the Christchurch earthquakes of 2010 and 2011. Quantity: 1 digital cartoon(s).
A rat in a business suit representing 'insurance companies' carries a briefcase labelled 'Total replacement policies' and follows a fellow rat into a large hole 'loop holes' that leads into a collapsed building. The rat says 'Woo-hoo! Home sweet home!' Context - Problems for people whose houses were damaged in the Christchurch earthquakes. One of the options presented to residents in the red zone, ideal for people with replacement policies, was the government bought your land, and you dealt directly with your insurers about your house. However they got a shock when insurers told them they won't replace their homes, they'll only repair them, even though they're earmarked for certain demolition. Quantity: 1 digital cartoon(s).
Cartoons about political and social issues in New Zealand and overseas. The cartoon has the words 'Tsunami Warning cancelled' in the centre. Above are the words 'The end is nigh... insurance running out! No more cover!' Below the word 'cancelled' are the words 'We have reinsurance!' Context - Civil Defence has cancelled a tsunami warning after a 7.8 magnitude earthquake struck off the Kermadec Islands this morning (7 July 2011) The tsunami image is used to illustrate the problems that could arise from lack of insurance in Christchurch. When their policies run out on 30 June Earthquake-hit Christchurch and Waimakariri councils are in danger of having no property insurance because as the CEO of Civic Assurance, which insures most councils, says, 'the company cannot buy reinsurance'. There was also a potential problem for home-owners when AMI Insurance, the largest insurer of homes in Christchurch, was threatening insolvency. However, AMI has announced that it has re-insurance cover for earthquakes and other natural disasters from tomorrow (1 July 2011) for the next year. The Government feared AMI Insurance's directors would wind up the company affecting a huge section of New Zealand's insurance market and derail the reconstruction of Christchurch, official documents confirm. AMI said it had doubled its cover for the year to June 2012 after three large quakes in the year to June 2011. (Stuff 30 June 2011) Quantity: 1 digital cartoon(s).
Text reads 'The new liquefaction?...' and the cartoon depicts a huge mass of 'insurance red tape' inside which is a man with a spade. Two people stare despairingly at the red tape and the man says 'How are we EVER gonna rebuild with this stuff bubbling up!' Context: The people are trying to rebuild their house after the Christchurch earthquakes and are having trouble with their insurance company. The Press has been contacted by people unable to get insurance to buy new homes, construct buildings or start businesses. Business leaders have called insurance delays a "cancer" eating away at the city's recovery, and Earthquake Recovery Minister Gerry Brownlee has acknowledged insurance is an "ongoing problem". (The Press - 24 August 2011) Quantity: 1 digital cartoon(s).
Photograph captioned by BeckerFraserPhotos, "105 Kingsford Street, Horseshoe Lake. Many of the homes here have been sold to the government or insurance companies and their former owners have moved out to other areas of Christchurch, New Zealand or overseas".
A man representing 'EQC' (Earthquake Commission) talks to a couple outside their collapsed house. He says 'Unfortunately, this is a NORTH Canterbury collapse - so you'll only get your first $100,000 back.' Context: This refers both to the collapse of the South Canterbury Finance Company and to the problems that people are having with insurance companies in North Canterbury after the first Christchurch earthquake on September 4th 2010. Quantity: 1 digital cartoon(s).
Shows as asterisks, stars etc a list of curses and swear words used to describe the EQC, delays, Roger Sutton, Gerry Brownlee and insurance companies. Context: The words describe the frustration and stress being experienced by many people in Canterbury post earthquake. Quantity: 1 digital cartoon(s).
Depicts National MP Aaron Gilmore walking off carrying two suitcases. A row of Christchurch insurance men are calling for him to return and saying they have the right job for his talents. Refers to Gilmore's resignation after National Party censure following to his drunken bullying behaviour to a waiter in a Hanmer Springs restaurant (3 News 13 May 2013) Quantity: 1 digital cartoon(s).
A couple in a red-zoned dog kennel, completing the dwelling census. Their accommodation has one room;, their only heating is by body heat and burning furniture; their rent is $1000 per week. Two years after the earthquakes, the living conditions of many in the 'red zones' of Christchurch was poor, owing to local body, government and insurance companies' tardiness. Quantity: 1 digital cartoon(s).
A man sits in an armchair in the ruins of his house with his wife beside him. A man carrying a briefcase marked 'EQC' has come to make an insurance assessment and says 'Unfortunately, this is a North Canterbury collapse - so you'll only get your first $100,000 back'. Context; the Christchurch earthquake of 4th September and the collapse of the South Canterbury Finance Company. Quantity: 1 digital cartoon(s).
One landscape colour digital photograph taken on 26 May 2013 on Winchester Street, Lyttelton. The photograph shows part of the rear windscreen of a blue car with a sticker which reads 'I don't need sex EQC is screwing me'. The right side of the sticker is torn leaving a jagged edge. The process of negotiation with EQC and insurance companies to...
The New Zealand public contemplate a dead drought stricken landscape. As well as lack of water, there is a lack of moderate pay scales for CEOs, satisfaction with EQC, quality TV, generous insurance companies, brilliant Solid Energy management, the integrity of John Banks (and by implication that of other MPs), quality education ministers, worthwhile overseas trips by the Prime Minister, 'clever' NZ First MPs and a boost for the West Coast among others. Considered from a Canterbury perspective, the drought of early 2013 becomes a symbol for many of the recent political and social ailments afflicting the land. Quantity: 1 digital cartoon(s).
A digitally manipulated image of liquefaction around a house in Avondale. The photographer comments, "The bottom of the gates were swallowed up by liquefaction, but the house still looked in good condition, which was confirmed by builders just going in to work on the property. It is in the Christchurch red zone, which after testing has been deemed unsuitable for houses to be built on. All the land will be bought by the Government and they would also buy any properties that could be repaired. The remaining insured property owners will get a payment from the insurance company. All the buildings are condemned to be knocked down".
A poster created by Empowered Christchurch to advertise their submission to the CERA Draft Transition Recovery Plan on social media.The poster reads, "Submission, CERA Draft Transition Recovery Plan. Risk Acceptance. It is the role of insurance companies, the EQC included, to accept the risks covered under their terms of reference/policies and compensate policyholders when such risks eventuate. However, many policyholders in Christchurch have not been compensated for the damage to their homes and their lives. These responsibilities need to be faced by the entities responsible. An equitable solution needs to be found for properties with hazards such as flooding that are a direct result of the earthquakes. In tandem with this, every effort must be made to protect residents from the risks posed by climate change. We need a city that is driven by the people that live in it, and enabled by a bureaucracy that accepts and mitigates risks, rather than transferring them to the most vulnerable residents".