Real Solutions, Not Political Stunts

Mr. Dutton,

Insurance premiums reflect risk—risk that state, federal, and local governments have shaped through zoning laws, building codes, and decades of permitting homes in flood, cyclone, and bushfire-prone areas. Climate change is testing our resilience, but governments at all levels are already buying back high-risk properties, strengthening building standards, and improving disaster preparedness to reduce long-term costs for Australians.

Your proposal to break up insurers is infantile, offensive, and un-Australian. It ignores the real drivers of premiums—historical government failures in land use planning, outdated building codes, and inconsistent risk mitigation policies. Punishing private enterprise for adapting to government-created risks is not a solution; it’s a distraction.

History tells us that political interference in pricing markets drives costs up, not down. If you want to reduce premiums, support policies that improve resilience—not knee-jerk interventions that fail to address the root cause.

Australians deserve leadership that understands real-world economics and governance. Where’s your policy that actually works?

#Insurance #ClimateResilience #Governance