Mr. Paul Hackett:

It comes down to the travel guidance and advice. Insurance applies when someone travels within the advice of the Department of Foreign Affairs. That advice, pretty much since the start of March, has been against non-essential travel, and then the green list was published. The green list is similar to the traffic light list; it can change quickly, which does not give consumer certainty. It will not resolve the issue of rebuilding travel and restarting the aviation and tourism sectors in this country.