Consumer Representatives commend the ICA for the breadth and range of issues that have been raised and sought to be addressed in its Interim Report. Consumer Representatives support the vast majority of the priority proposals and discussion point proposals. We have identified a number of areas that the eight priority proposals (and complaints, disputes, pressure selling and claims proposals) do not address. We put forward a significant number of recommendations to improve upon these. There are a small number of proposals that cause Consumer Representatives some concern and we recommend that the ICA and general insurers reconsider these