Author Retains CopyrightMcmanus, James Daniel.2018-07-312022-07-112018-07-312022-07-1119951995https://ir.wgtn.ac.nz/handle/123456789/20474pdfen-NZhttps://www.wgtn.ac.nz/library/about-us/policies-and-strategies/copyright-for-the-researcharchiveNew Zealand.--Consumer Guarantees Act 1993.Insurance law--New Zealand.TextAll rights, except those explicitly waived, are held by the Author