A report on the insurance industry has condemned it as indifferent to improving the treatment of customers.
The Financial Markets Authority review of 42 general insurance companies showed only two adequately helped consumers get the right policies at the right price.
The authority's director of banking and insurance, Clare Bolingford, told RNZ the fact so many firms fell short was disappointing.
Clare Bolingford says new laws are coming that will make insurers meet standards or they may not get a licence.
Insurance Council chief executive Tim Grafton spoke to Corin Dann.