Recommendation 4.1 – Hawking Insurance
No hawking of insurance products

Recommendation 4.2 – Funeral Expenses Exemptions
Removing the exemptions for funeral expenses policies

Recommendation 4.3 – Insurance – Deferred Sales Model
Deferred sales model for add-on insurance

Recommendation 4.4 – Vehicle Dealer Commission
Cap on commissions paid to vehicle dealers for sale of addon insurance products

Recommendation 4.5 – Insurance – Misrepresentation
Duty to take reasonable care not to make a misrepresentation to an insurer

Recommendation 4.6 – Life Insurance Contracts Avoidance
Limiting circumstances where insurers can avoid life insurance contracts

Recommendation 4.7 – Insurance – Unfair Contract Terms
Application of unfair contract terms provisions to insurance contracts

Recommendation 4.8 – Insurance – Claims Handling Exemption
Removal of claims handling exemption for insurance

Recommendation 4.12 – BEAR – Insurers
Extending the BEAR to APRAregulated insurers