"The Private Property Insurance Industry Expose and 4 years with State Insurance"

The Christchurch Fiasco : the Insurance Aftershock and its Implications for New Zealand and Beyond

  The Christchurch Fiasco

The Christchurch Fiasco…. is available at all good bookshops and/or can be ordered from Dunmore Publishing Limited at     ISBN: 9781927212035

This is a book about the management of catastrophe at a National level. Earthquake protection in New Zealand needs to be about more than ‘stop, drop, cover and hold’.

The aftermath of the 2010-2014 Christchurch earthquakes in New Zealand offered me a rare opportunity to examine the national policies and effectiveness of Government funding and management of catastrophe on a national scale. My findings are both surprising and disturbing. The slow and confused recovery phase led me to examine the insurance industry, locally and globally. This has revealed a clear pattern of corporate greed at the expense of citizens and has shown that the profit-driven model of private insurance can, and very often does, fail those who have paid-up policies based on “good faith” responses that are their due. This is not a book about idealistic sociological concepts, but a revelation of actual Government administrative failure and financial risk-taking, in concert with corporate malfeasance. It is a book every homeowner,  policy-maker, politician, local-government official, Treasury official and economist, should read. This is a story the wider media chooses not to publicize and consequently few people outside Christchurch are aware of the extent of the ongoing insurance battles. These are the same insurance battles fought by citizens the world over after similar catastrophic events. The opportunistic behaviour of the insurance companies together with the lack of transparency and integrity within these corporations, is compounded by the failure of corporate watch-dogs, such as government, the legal system and regulators, all of whom have failed to protect the public interest after the recent events. In the background, behind closed doors, are the strategic alliances and the networked relationships between Government, corporates, professionals and other major stakeholders with the object of profit. The interests and voices of the policyholder and homeowner are conveniently ignored and the lack of redress is well understood by these arguably complicit parties. The book discloses the failures and fallacies of current disaster management strategies, not only in terms of the huge financial implications but also the management of the ‘recovery’ phase. I also examine international experiences of catastrophe from the viewpoint of government policies and funding strategies. I point to a fundamental conflict of interest between corporatism and the need for rapid recovery in the interests of both the affected public, business interests and the economy. Also discussed are the tensions between National and Local government objectives and the unheard voice of the local population. I make comment on the limited efficacy of Civil Law and associated means of redress as protection against systematic corporate breach-of-contract and bad-faith, both in New Zealand and overseas. A need for fundamental change in disaster management is obvious from the findings of this work and I propose a viable, efficient revision of the means to achieve that objective – one which eliminates the current state of financial risk and susceptibility to Corporate subversion.

See Sarah’s Story:  My Insurance Nightmare with State Insurance.



In a Civil Society there must be collaboration, openness, ethics, trust and democratically accountable structures at all times but especially after a country has experienced a natural disaster. In Christchurch, post-earthquakes, there has been a systemic failure by both Central and Local Government to meet the demands of the Christchurch, Canterbury and New Zealand communities for tangible solutions and evidence of a comprehensive commitment to this Civil Society. Central Government is mindlessly committed to disaster capitalism, seemingly often without the parameters of ethical and accountable sound policy. A dark cloud has descended over Christchurch called “Westminster politics” with black and white decisions being imposed on a weary population. Central Government has set the rules and all sectors have to keep them. This book clearly highlights these poor decisions and lays them out for all to see. I recommend this book to all as it promotes openness and the need to address issues which both the public and private sectors have to get right, now and in the future. Garry Moore, Mayor of Christchurch 1998-2007

I have never met Sarah Miles, but am looking forward to doing so. Anyone who writes a book like this in the climate engendered by the present government requires courage. My colleagues and I have been calling for transparency and accountability, along with open engagement with affected communities, since the first earthquake. Sarah has started to turn the spotlight on the struggle many Christchurch people have been left to endure alone. When the Prime Minister came here and said he would stand by the people of Christchurch, they expected more than to be abandoned to deal with EQC and multi-national insurers all by themselves. When he said no-one would be worse off, they probably thought there was a bit of political rhetoric in what he said, but they didn’t expect to be out of pocket by six-figure sums. We need to learn from this disaster, so that it is never repeated. But to learn, we need to know the truth. Congratulations Sarah for having the courage to tell the truth and for offering some ideas for the future of catastrophe cover. We need to debate these issues openly and honestly. Thank you for getting the ball rolling. Lianne Dalziel, Current Mayor of Christchurch 2014 (See

As we in Christchurch have suspected, the private insurers’ primary relationship is not with us, the insured, it is with their re-insurers. We need an insurance plan for when New Zealand’s Alpine Fault erupts, the social and economic well-being of communities in New Zealand and beyond is dependent on it. Subjecting the community to this current insurance fiasco is unacceptable. Glenn Livingstone, Christchurch City Councillor

This book is the real and shocking story of the Canterbury Earthquake disaster. The Plot: how our own Government left Cantabrians to be devoured by Corporate Insurance Companies who ran to the fine print in our policies to minimise their contractual obligations. Sarah has the facts and insight into these black years in New Zealand’s history. Kiwis must read this book!! Rev. Mike Coleman (See

It will be for local authorities and national governments to act for the greater good – the honest and full protection of the nation’s citizens. I commend the book to all New Zealanders and Australians. Herman Wijffels, Professor of Sustainability and Social Change at Utrecht University, The Netherlands

~Future Proofing for a sustainable, participatory, democratic society.

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