Background to the Package

In December 2020 the Government announced a payment package for affected customers who cash settled with Southern Response prior to 1 October 2014. We refer to this package as the "Pre-October 2014 Payment Package" or "Package".

Prior to October 2014, Southern Response did not ordinarily pay professional fees and contingencies for ‘Buy Another House’ or other cash settlement options. Subsequent court decisions have said those costs should be included in the calculation of the total cost to rebuild or repair a property. Based on these decisions, Southern Response commenced paying these costs in insurance settlements entered after October 2014.

The Pre-October 2014 Payment Package is based on the Dodds case

The Package now available has been informed by the Dodds Court of Appeal decision. This decision determined that Southern Response made false and misleading representations and engaged in misleading and deceptive conduct in relation to certain cost elements, which should have been paid to Mr and Mrs Dodds. More information about the Dodds case can be found here.

Based on the findings in the Dodds case, and depending on each individual customer’s circumstances, a payment under the Package may include:

  • An allowance for professional fees
  • A contingency sum, and
  • Interest

A contribution toward the cost of getting independent legal advice on any Package payment offered to you may also be available.

The implementation of the Package will be overseen by an Independent Oversight Committee.

More information about the Package is provided on our FAQ page here.


Eligibility for the Pre-October 2014 Payment Package

To find out more about eligibility for the Package, visit our FAQ page here.

To find out if you may be eligible for the Package and to apply, please follow the link here.


Requesting a review of your Package offer

If you have received a Package offer from Southern Response and have concerns about how it has been calculated, you may request a review of your offer within 20 working days of receiving it.

For more information about the Package Review Process, please click here.


Recommendation to seek independent legal advice

We recommend you get legal advice regarding your options in relation to both the Ross class action and the Pre-October 2014 Payment Package. Community Law Canterbury provides free legal help to people in Canterbury and the Grey and Westland Districts.

If you have engaged GCA Lawyers or another lawyer to act for you in relation to your pre-October 2014 settlement with Southern Response, the Ross class action or similar issues, your lawyer should contact us regarding your participation in the Package. Any such communications should be addressed to This email address is being protected from spambots. You need JavaScript enabled to view it..