1 00:00:00,040 --> 00:00:01,720 Speaker 1: On the huddle with us this evening, we have Thomas 2 00:00:01,720 --> 00:00:05,120 Speaker 1: Scrimger from the Maximum Institudinarie Jones read pr hello you too? 3 00:00:06,000 --> 00:00:06,440 Speaker 2: Did he hi? 4 00:00:06,519 --> 00:00:09,320 Speaker 1: Either right, Thomas? Is he playing politics or is this principal? 5 00:00:10,440 --> 00:00:13,119 Speaker 2: Well? I think it's both from Winston. I mean, you know, 6 00:00:13,240 --> 00:00:16,120 Speaker 2: it's it's election year. Campaign has already started and Jillan 7 00:00:16,160 --> 00:00:18,759 Speaker 2: First has already signaled before this that is going to 8 00:00:18,800 --> 00:00:21,320 Speaker 2: make immigration one of the issues of the election. But 9 00:00:21,440 --> 00:00:23,720 Speaker 2: that's not new for Winston. It's a long hand, you know, 10 00:00:24,079 --> 00:00:26,560 Speaker 2: long held ideal of his that he's been skeptical of 11 00:00:26,720 --> 00:00:29,680 Speaker 2: immigration and skeptical of trade deals. He wasn't that keen 12 00:00:29,760 --> 00:00:31,560 Speaker 2: on the trade deal with China back in O age 13 00:00:31,600 --> 00:00:33,920 Speaker 2: and he's been talking about immigration for forty years. So 14 00:00:34,360 --> 00:00:37,120 Speaker 2: Winston can do both. He can play politics and occasionally 15 00:00:37,159 --> 00:00:37,720 Speaker 2: have principles. 16 00:00:38,000 --> 00:00:40,160 Speaker 1: What do you reckon, Eli, I mean, I know immigration's 17 00:00:40,320 --> 00:00:42,760 Speaker 1: quite a big deal in places like the UK and 18 00:00:43,080 --> 00:00:45,600 Speaker 1: the US. Could he drum it up into something this 19 00:00:45,760 --> 00:00:46,239 Speaker 1: year for US? 20 00:00:47,280 --> 00:00:47,480 Speaker 2: Yeah? 21 00:00:47,560 --> 00:00:50,040 Speaker 3: Absolutely? And I think that this is this is his 22 00:00:50,880 --> 00:00:53,199 Speaker 3: his you know, this is his bread and butter, this 23 00:00:53,320 --> 00:00:55,120 Speaker 3: is what he does. And I agree that it is 24 00:00:55,360 --> 00:00:58,400 Speaker 3: obviously election year and so he's he's jumping on it. 25 00:00:58,440 --> 00:01:00,320 Speaker 3: But I think even if it wasn't election year, this 26 00:01:00,480 --> 00:01:03,000 Speaker 3: is exactly what New Zealand First has always done. And 27 00:01:03,040 --> 00:01:05,840 Speaker 3: I don't entirely disagree with him. Actually, I think if 28 00:01:05,880 --> 00:01:08,560 Speaker 3: the economy was stronger. I think if we did have, 29 00:01:09,000 --> 00:01:12,080 Speaker 3: you know, enough proper classrooms, if we had a decent 30 00:01:12,240 --> 00:01:15,120 Speaker 3: health system and so forth, then there could be an 31 00:01:15,200 --> 00:01:18,960 Speaker 3: argument that our economy can handle additional people coming in. 32 00:01:19,120 --> 00:01:21,960 Speaker 3: So look, I think he's actually going to find quite 33 00:01:22,000 --> 00:01:23,720 Speaker 3: a lot of people agreeing with him here, and I 34 00:01:23,800 --> 00:01:25,600 Speaker 3: don't think he's being entirely unreasonable. 35 00:01:25,640 --> 00:01:28,880 Speaker 1: Ohkive, but Ellie, our economy will not fire up properly 36 00:01:29,120 --> 00:01:31,520 Speaker 1: unless we have people to do the work that needs 37 00:01:31,600 --> 00:01:35,880 Speaker 1: to be done. So how do you fire it up 38 00:01:35,920 --> 00:01:37,640 Speaker 1: to take the migrants unless you have the migrants? 39 00:01:38,120 --> 00:01:40,120 Speaker 3: Yeah, look, I agree with that. And I heard you 40 00:01:40,240 --> 00:01:42,720 Speaker 3: ask him about that. What I've been confused about. I 41 00:01:42,840 --> 00:01:45,920 Speaker 3: heard a figure of sixteen hundred and seventy skilled workers 42 00:01:46,080 --> 00:01:46,600 Speaker 3: were coming in. 43 00:01:46,720 --> 00:01:49,080 Speaker 1: But oh yeah, that's every year, right times by three 44 00:01:49,960 --> 00:01:50,919 Speaker 1: pardon rights, and that's. 45 00:01:50,800 --> 00:01:53,320 Speaker 3: Every year right. Well, look, and I think that's fair enough. 46 00:01:53,360 --> 00:01:56,000 Speaker 3: But I still don't think that this government the three 47 00:01:56,080 --> 00:01:59,080 Speaker 3: parties have done enough to actually you know, educate and 48 00:01:59,160 --> 00:02:02,360 Speaker 3: bring people through into those roles that we need them in. 49 00:02:02,480 --> 00:02:05,320 Speaker 3: I really need them now, and that's important. But I 50 00:02:05,400 --> 00:02:08,079 Speaker 3: think it's it's a balance, and I'm concerned that the 51 00:02:08,120 --> 00:02:11,440 Speaker 3: extra pressure it will put on the country. 52 00:02:11,720 --> 00:02:14,799 Speaker 1: Thomas, how do you feel about AA Insurance pulling out, 53 00:02:15,160 --> 00:02:18,200 Speaker 1: they say temporarily of offering new policies in Westport? 54 00:02:19,560 --> 00:02:22,760 Speaker 2: Well, I think it's a hard thing, but a good thing. 55 00:02:23,320 --> 00:02:26,400 Speaker 2: You know, it's tough for Westports for the community, you know, 56 00:02:26,639 --> 00:02:28,560 Speaker 2: particularly if you know new bills aren't going to be 57 00:02:28,600 --> 00:02:30,919 Speaker 2: able to happen or people can't get mortgages because it 58 00:02:31,000 --> 00:02:34,279 Speaker 2: isn't insurance. That's really hard for the people of Westports. 59 00:02:34,400 --> 00:02:36,920 Speaker 2: But it is a good thing. It shows that insurance 60 00:02:37,040 --> 00:02:39,760 Speaker 2: markets are working and doing what they do. You know, 61 00:02:39,840 --> 00:02:42,040 Speaker 2: the point of an insurance market is to place a 62 00:02:42,200 --> 00:02:45,880 Speaker 2: price on risk. If they aren't pricing risk properly, then 63 00:02:45,919 --> 00:02:48,280 Speaker 2: there's no point in having insurance at all. I think 64 00:02:48,320 --> 00:02:50,959 Speaker 2: it's worth like observing that. It's not like flooding in 65 00:02:51,040 --> 00:02:54,040 Speaker 2: Westport is a new thing. The whole town flooded within 66 00:02:54,080 --> 00:02:56,040 Speaker 2: an inch of its life in nineteen twenty six. You know, 67 00:02:56,080 --> 00:02:59,160 Speaker 2: one hundred years ago, so they're obviously seeing more risk 68 00:02:59,280 --> 00:03:02,200 Speaker 2: now and at a pause on it, and that's what 69 00:03:02,280 --> 00:03:03,600 Speaker 2: an insurance market is supposed to do. 70 00:03:03,880 --> 00:03:05,400 Speaker 1: Yeah, okay, I'm going to get your take on it, 71 00:03:05,440 --> 00:03:07,000 Speaker 1: Ali when we come back from the break it right, 72 00:03:07,000 --> 00:03:09,480 Speaker 1: you're back with the huddle, Ali Jones, Thomas Scrimger. Ali, 73 00:03:09,520 --> 00:03:11,160 Speaker 1: what's your take on the West Sports situation? 74 00:03:11,480 --> 00:03:14,359 Speaker 3: Well, I don't agree actually with Thomas. This shows that 75 00:03:14,560 --> 00:03:16,800 Speaker 3: insurance is working well. I think New Zealand has got 76 00:03:16,919 --> 00:03:21,760 Speaker 3: one of the most poorly run and well it's definitely 77 00:03:21,840 --> 00:03:25,440 Speaker 3: the most unregulated insurance sector in the world and it 78 00:03:25,520 --> 00:03:28,120 Speaker 3: causes huge problems. We saw it in christ Church. But 79 00:03:28,480 --> 00:03:31,959 Speaker 3: let's keep this in perspective too. This isn't a biggie. 80 00:03:32,000 --> 00:03:35,800 Speaker 3: It's absolutely reasonable for an insurance company not to want 81 00:03:35,840 --> 00:03:38,440 Speaker 3: to take on any more risk. That's common sense. And 82 00:03:38,560 --> 00:03:41,360 Speaker 3: as you've said several times today, Heather, this is tempriy. 83 00:03:41,360 --> 00:03:41,960 Speaker 1: It's a pause. 84 00:03:42,760 --> 00:03:45,520 Speaker 3: It's they're just not taking on any new policies. And 85 00:03:45,560 --> 00:03:48,080 Speaker 3: it's not new. It happened here in christ Church after 86 00:03:48,120 --> 00:03:50,800 Speaker 3: the quakes, that's happened in Wellington in the early two thousands. 87 00:03:51,600 --> 00:03:54,480 Speaker 3: And you also said earlier ahead that if insurers won't 88 00:03:54,520 --> 00:03:56,480 Speaker 3: cover your house. Maybe your house is in the wrong place. 89 00:03:56,720 --> 00:04:00,280 Speaker 3: And I totally agree with you on that, which is 90 00:04:00,440 --> 00:04:04,080 Speaker 3: why not writing any new policies is totally different to 91 00:04:04,240 --> 00:04:06,920 Speaker 3: pulling insurance that is already in place. That would be 92 00:04:07,040 --> 00:04:07,640 Speaker 3: morally wrong. 93 00:04:07,800 --> 00:04:10,160 Speaker 1: Now, yeah, but I mean they all they may in 94 00:04:10,280 --> 00:04:12,880 Speaker 1: fact price it to such an extent that you can't 95 00:04:12,920 --> 00:04:15,040 Speaker 1: afford it, so you're priced out of the market anyway. 96 00:04:15,200 --> 00:04:17,720 Speaker 1: But in that sense, then are you okay? Are you 97 00:04:17,920 --> 00:04:20,880 Speaker 1: okay with us saying okay if your house, if you're 98 00:04:20,960 --> 00:04:23,920 Speaker 1: in Westport and you can't get insurance from anyone, you're 99 00:04:24,000 --> 00:04:25,760 Speaker 1: on your own, or do you want the government to 100 00:04:25,800 --> 00:04:27,520 Speaker 1: step in there and say we'll look after you. 101 00:04:28,120 --> 00:04:30,040 Speaker 3: Well, I don't think that's even a question at the moment, 102 00:04:30,080 --> 00:04:33,240 Speaker 3: because that's not happening. You've got this is just new policies, right, 103 00:04:33,320 --> 00:04:35,280 Speaker 3: and I don't think that it is fair to just 104 00:04:35,400 --> 00:04:38,600 Speaker 3: assume the next step is that they pull insurance completely. 105 00:04:38,720 --> 00:04:41,200 Speaker 3: That happens very very rarely, if at all. 106 00:04:41,440 --> 00:04:43,080 Speaker 1: Yeah, what do you reckon, Thomas? If we get to 107 00:04:43,120 --> 00:04:45,839 Speaker 1: the stage where people are unable to obtain insurance, insurance 108 00:04:45,839 --> 00:04:47,560 Speaker 1: either because it's not an offer or it's priced out 109 00:04:47,560 --> 00:04:50,440 Speaker 1: of their reache. What do we as a country do well. 110 00:04:50,480 --> 00:04:51,880 Speaker 2: The thing what we need to do is send a 111 00:04:52,240 --> 00:04:56,000 Speaker 2: long term signal so that people have predictability, because the 112 00:04:56,080 --> 00:04:58,640 Speaker 2: problem is is when people are expecting to get insurance 113 00:04:58,920 --> 00:05:01,800 Speaker 2: and the rugger is pulled out from them, then they're left, 114 00:05:01,920 --> 00:05:04,640 Speaker 2: you know, upper Creek without a paddle. But the reality 115 00:05:04,760 --> 00:05:07,640 Speaker 2: is that there will be places that if flooding continues 116 00:05:07,680 --> 00:05:09,800 Speaker 2: to be an issue, there will be places where it 117 00:05:09,880 --> 00:05:11,840 Speaker 2: does not make sense to ensure because there will be 118 00:05:11,880 --> 00:05:15,120 Speaker 2: flooded often. There's no way that we can continually say 119 00:05:15,200 --> 00:05:18,240 Speaker 2: that there is an unlimited cart blanche, you will be 120 00:05:18,360 --> 00:05:20,480 Speaker 2: bailed out by the government. It's what there needs to 121 00:05:20,480 --> 00:05:23,480 Speaker 2: be is sort of verbal signals followed by stable policy 122 00:05:23,560 --> 00:05:27,080 Speaker 2: that is, yes, eventually the government cannot bail out every 123 00:05:27,200 --> 00:05:28,400 Speaker 2: house that is subject. 124 00:05:28,520 --> 00:05:30,040 Speaker 1: Do you put a limit on it? Like so, I mean, 125 00:05:30,040 --> 00:05:32,040 Speaker 1: we're waiting for this adaptation document's going to come out 126 00:05:32,120 --> 00:05:34,800 Speaker 1: later this year. And does the government then say, I 127 00:05:34,880 --> 00:05:36,680 Speaker 1: think this was an idea that was floated last year. 128 00:05:37,600 --> 00:05:40,240 Speaker 1: In twenty years, that's the cutoff. We do not help 129 00:05:40,320 --> 00:05:42,280 Speaker 1: you after that. You've got twenty years to sort it out. 130 00:05:42,400 --> 00:05:44,160 Speaker 1: And if you're still living in a place where you 131 00:05:44,160 --> 00:05:46,120 Speaker 1: should not be living and you can't get insurance, you're 132 00:05:46,160 --> 00:05:46,600 Speaker 1: on your own. 133 00:05:47,560 --> 00:05:49,240 Speaker 2: Yeah, I think you know, there's a time factor, and 134 00:05:49,279 --> 00:05:51,880 Speaker 2: then there's an amount bailed out factor, whereas you don't 135 00:05:51,880 --> 00:05:53,760 Speaker 2: have to do after twenty years, it goes from one 136 00:05:53,839 --> 00:05:56,120 Speaker 2: hundred percent to zero percent. It's that there's a phase 137 00:05:56,200 --> 00:05:59,000 Speaker 2: out over time or we need to signal a timeframes 138 00:05:59,040 --> 00:06:00,920 Speaker 2: that you can make this seat based on that, and 139 00:06:01,040 --> 00:06:03,919 Speaker 2: house prices can then reflect that reality that they carry 140 00:06:03,920 --> 00:06:04,440 Speaker 2: a lot of risk. 141 00:06:05,520 --> 00:06:07,880 Speaker 1: Ali, do you lament the death of the door upper? 142 00:06:10,160 --> 00:06:13,400 Speaker 3: This is really interesting, isn't it. Well, my mass is 143 00:06:13,520 --> 00:06:16,320 Speaker 3: not very good, as you know, and from this of 144 00:06:16,400 --> 00:06:20,440 Speaker 3: these fats from trade me, it says fifty one percent 145 00:06:20,640 --> 00:06:22,840 Speaker 3: are happy with the door upper. Potentially it was only 146 00:06:22,920 --> 00:06:24,239 Speaker 3: forty nine percent that weren't. 147 00:06:24,440 --> 00:06:26,320 Speaker 1: No, it's one of the main six percent. It was 148 00:06:26,400 --> 00:06:28,760 Speaker 1: only six percent who were out there looking for a 149 00:06:28,839 --> 00:06:29,280 Speaker 1: fix up. 150 00:06:30,240 --> 00:06:33,320 Speaker 3: No, that's right, But that doesn't preclude people from looking 151 00:06:33,440 --> 00:06:36,360 Speaker 3: for a place that does require some DIY. You know, 152 00:06:36,480 --> 00:06:38,360 Speaker 3: six percent looking for a door. But I think one 153 00:06:38,400 --> 00:06:40,880 Speaker 3: of the issues is that people are not able to 154 00:06:41,000 --> 00:06:43,320 Speaker 3: do what our parents and our grandparents did. 155 00:06:43,680 --> 00:06:43,800 Speaker 2: You know. 156 00:06:43,880 --> 00:06:46,760 Speaker 3: I remember my father wallpapering our hundred year old house 157 00:06:46,800 --> 00:06:48,960 Speaker 3: when we first moved in there. I think some people 158 00:06:49,000 --> 00:06:50,640 Speaker 3: don't even know how to open a tin of paint, 159 00:06:51,279 --> 00:06:54,160 Speaker 3: preparing wood to paint, replacing where the boards, you know, 160 00:06:54,279 --> 00:06:56,360 Speaker 3: I think that's one of the big issues here as well. 161 00:06:56,480 --> 00:06:58,920 Speaker 1: It's the last DIY that you did, Ellie. 162 00:07:01,160 --> 00:07:05,000 Speaker 3: Does gardening count No? No, okay, what's going to. 163 00:07:05,000 --> 00:07:07,040 Speaker 1: Have a drill or a hammer involved or something like that. 164 00:07:08,720 --> 00:07:10,680 Speaker 3: Oh I put up a trell of summer beans could 165 00:07:10,720 --> 00:07:11,600 Speaker 3: grow up at It's. 166 00:07:11,520 --> 00:07:13,720 Speaker 1: Not bad now that. Yeah, I'll take that. I'll take 167 00:07:13,760 --> 00:07:16,600 Speaker 1: his gardener gardening at jacent as well. What about you, Thomas? 168 00:07:17,960 --> 00:07:20,160 Speaker 2: The last thing I did was roll of paint roller 169 00:07:20,240 --> 00:07:22,440 Speaker 2: over some walls. Wasn't my house, it was my inloards. 170 00:07:22,480 --> 00:07:24,200 Speaker 2: But you know, good son in law did some work 171 00:07:24,280 --> 00:07:27,640 Speaker 2: for them. Yeah. Other than that, haven't done a lot recently, 172 00:07:27,840 --> 00:07:30,640 Speaker 2: have you know? Managed you're a bit of sexptember lawn 173 00:07:30,720 --> 00:07:33,200 Speaker 2: edging over the pasting years. But yeah, other than that, 174 00:07:33,440 --> 00:07:34,160 Speaker 2: it's not bad. 175 00:07:34,400 --> 00:07:36,880 Speaker 1: But like what there's a theme here. It's it's stuff 176 00:07:36,920 --> 00:07:40,200 Speaker 1: that you guys are. You guys are handier outdoors with 177 00:07:40,360 --> 00:07:42,600 Speaker 1: the DIY, like in the garden than you are inside 178 00:07:42,640 --> 00:07:43,280 Speaker 1: the house. Yeah. 179 00:07:44,160 --> 00:07:47,080 Speaker 3: Yeah, but you see, my husband's a builder, so you 180 00:07:47,080 --> 00:07:49,200 Speaker 3: don't know, I'm kind of well, I don't need to. 181 00:07:49,320 --> 00:07:52,120 Speaker 3: He does all that, and he's done bathrooms and all 182 00:07:52,160 --> 00:07:54,160 Speaker 3: that sort of stuff, So he does the inside. I 183 00:07:54,240 --> 00:07:54,800 Speaker 3: do the outside. 184 00:07:54,880 --> 00:07:57,080 Speaker 1: I know it's fair enough. Okay, Thomas, were you surprised 185 00:07:57,120 --> 00:07:58,840 Speaker 1: to find out that the most dangerous time on the 186 00:07:58,920 --> 00:08:02,360 Speaker 1: road is on a Tuesday morning in September or August 187 00:08:02,640 --> 00:08:04,440 Speaker 1: between the hours of seven and eight in the morning. 188 00:08:05,560 --> 00:08:07,800 Speaker 2: I mean, it was certainly an interesting bit of I 189 00:08:07,880 --> 00:08:10,960 Speaker 2: guess trivia. The time of year I thought was particularly interesting, 190 00:08:11,120 --> 00:08:13,120 Speaker 2: So you know, I might just take that on leave 191 00:08:13,200 --> 00:08:15,480 Speaker 2: and go on a long holiday at that sum a year. Yeah. 192 00:08:15,840 --> 00:08:17,240 Speaker 2: But I think it's one of these things that it's 193 00:08:17,280 --> 00:08:20,480 Speaker 2: sort of quite an emotional fact, the idea that it's 194 00:08:20,560 --> 00:08:23,800 Speaker 2: dangerous when the school commute happens, and so people latch 195 00:08:23,920 --> 00:08:26,360 Speaker 2: onto that. But I think, you know, thinking about road tolls, 196 00:08:26,640 --> 00:08:29,880 Speaker 2: the more interesting fact is that we're about the lowest 197 00:08:29,960 --> 00:08:31,720 Speaker 2: road toll in the last one hundred years when you 198 00:08:31,760 --> 00:08:35,120 Speaker 2: were just for population. So road safety isn't something that 199 00:08:35,200 --> 00:08:37,079 Speaker 2: I spend a lot of time worrying about because I 200 00:08:37,120 --> 00:08:39,040 Speaker 2: think we're actually in a really good place to wait till. 201 00:08:38,920 --> 00:08:42,640 Speaker 1: You have children, mate, Wait till you have am I right, Alie, 202 00:08:42,720 --> 00:08:45,400 Speaker 1: wait till you have children. Yet worrying about it like crazy. 203 00:08:45,640 --> 00:08:48,839 Speaker 3: Absolutely, my boy slid under a ute on one of 204 00:08:48,920 --> 00:08:50,960 Speaker 3: the main roads up here when he was on his motorbike, 205 00:08:51,640 --> 00:08:54,040 Speaker 3: you know, last year, and it was not the biggest 206 00:08:54,080 --> 00:08:58,000 Speaker 3: issue is congestion, lack of enforcement, red light running. We 207 00:08:58,120 --> 00:09:00,440 Speaker 3: get that round our area. But yeah, I think Thomas 208 00:09:00,559 --> 00:09:03,320 Speaker 3: is right. I think this is an interesting bit of trivia, 209 00:09:03,440 --> 00:09:04,800 Speaker 3: time of year and driver. 210 00:09:05,960 --> 00:09:07,920 Speaker 1: Well, you guys say it's trivia, but I'm just going 211 00:09:07,960 --> 00:09:10,920 Speaker 1: nowhere on a Tuesday between in August and September, between 212 00:09:10,920 --> 00:09:12,120 Speaker 1: the hours of seven and eight, and then I'm just 213 00:09:12,160 --> 00:09:14,400 Speaker 1: going to stay pot save my own life. Guys. It's 214 00:09:14,440 --> 00:09:16,280 Speaker 1: lovely to talk to you. Thank you so much. Thomas Scrimger, 215 00:09:16,360 --> 00:09:17,600 Speaker 1: Ali Jones a huddle this evening. 216 00:09:18,240 --> 00:09:21,360 Speaker 3: For more from Heather Duplessy Allen Drive, listen live to 217 00:09:21,520 --> 00:09:24,520 Speaker 3: news Talks it'd be from four pm weekdays, or follow 218 00:09:24,559 --> 00:09:26,280 Speaker 3: the podcast on iHeartRadio.