This report explores the role of the insurance market in responding to complex issues related to climate change. It is informed by a nationwide survey of people that have home insurance, as well as interviews with homeowners and people who rent in communities affected by extreme weather events.

Financial counsellors are reporting that more and more clients have Buy Now, Pay Later (BNPL) debt and that this is causing financial hardship. The aim of this survey was to understand the extent of the issues, particularly given the broader context, as BNPL is now available for more and more goods and services and new...

Drawing on the grassroots professional experiences of financial counsellors as well as focus group interviews with consumers, this report outlines how the telecommunications industry's hardship policies and practices compare with those of the banking, energy and water industries.