Full Show Podcast: 17 October 2025

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:09):
You're listening to a podcast from News Talk sed B.
Follow this and our wide range of podcasts now on iHeartRadio.

Speaker 2 (00:16):
Hello you great New Zealands, and welcome to mattin title
Full show podcast number two two three for the seventeenth
of October. It's a Friday, and it was a great show.
And when we don't get to a topic, I think
this is the third time we haven't got to this
topic about cynicism and negativity on the back of the
Chinese Communist Party basically imprisoning people for posting unhappy.

Speaker 3 (00:36):
Comments our China roles.

Speaker 2 (00:39):
So we didn't get to that topic. No, no, but
we had a great time with the insurance and really
interesting insurance stories and really interesting charities that went into
German prisoner camps.

Speaker 3 (00:55):
So and there was some flim flamming being done later
in the show. You got flim flammed.

Speaker 2 (01:00):
Yeah, I got flim flammed, Mass shocking flammed by an
old person in Napier.

Speaker 3 (01:04):
Yeah. So look out for that download. Subscribe and give
us a review.

Speaker 2 (01:09):
And give My Tastes a key. Where you seem busy,
will let you go love your big.

Speaker 1 (01:13):
Stories, the leak issues, the big trends, and everything in between.
Matt Heath and Tyler Adams afternoons News.

Speaker 3 (01:21):
Talk said me, good afternoon to you. Welcome into Friday.
I hope you having a great day wherever you're listening. Hey,
doing man, Look I'm doing pretty well.

Speaker 2 (01:33):
I'm looking forward to the next three hours of scintillating
conversations on eight hundred and eighty ten eighty. Thank you
so much for tuning in your great New Zealanders. Now,
I crashed my Cayes today and so I'm trying to
be positive about it.

Speaker 3 (01:46):
Okay, what happened.

Speaker 2 (01:47):
I just was pulling out of the car park downstairs
and just smashed up a bollard. Ouch wow, as you know,
to be fair, that ballard was fine, okayr just smashed
to be right. But I was in a hurry to
get to the hospital because my son was going in
for an operation and just undershot the core. And how

(02:10):
many times a year can you go for insurance for
you the same car.

Speaker 3 (02:13):
You're talking to the right man, I mean, the insurance
company and me are on first day basis.

Speaker 2 (02:17):
Now is it unlimited?

Speaker 3 (02:18):
I think it's unlimited.

Speaker 2 (02:20):
I think I think this is the second time this
year I've messed up my car.

Speaker 3 (02:24):
I think your premiums just keep going north, so they
just asked you to pay a little bit more.

Speaker 2 (02:28):
I never have major accidents. I think the last one
I backed into a skip. So I tend to have
accidents against things that you can't damage, which is good
because then there's only one party that is involved.

Speaker 3 (02:40):
Arguably that is much better.

Speaker 2 (02:41):
I didn't need to leave a note on the baller
with my insurance details. Let's just say that much.

Speaker 3 (02:46):
Yeah, very good, Well, good luck with that. Nobody saw you, look,
I tell you what.

Speaker 2 (02:50):
Oh I mean, I'm sure there's cameras everywhere. But and
someone saw me actually, and they were like, what are
you doing? And I'm like, well, I'm I'm off to
the hospital. But I was angry about it. But then
then my son came out of his operation and he
came out of the general aesthetic and his face was
so pale, and he looked really really unwell right, and
and you know, I was really worried about it, and

(03:10):
so I was thinking, you know, what does it matters?
You know, as long as my son comes out, well,
who cares if there's a you know, we bang smashed
up door on my car? Who hears the most important
thing in the world.

Speaker 3 (03:21):
Yeah, nicely said. Right on to today's show after three
o'clock because it is a Friday, we've got new Zealander
of the Week. Always exciting to see who it's going
to be.

Speaker 2 (03:32):
Yeah, nine two nine two. If you've got a suggestion,
fire through the judicating panel panel, which involves an elite
group of just me still deliberating.

Speaker 3 (03:43):
Yeah, yep, that's a big one. That is straight after
three o'clock. Also, after three o'clock, won't have a chat
about cynicism and negativity China. As you can imagine with
a place like China, they are going full noise. They've
got a recent campaign at the moment coming after bloggers,
influencers and commentators whose posts convey negativity or resignation about

(04:04):
the country.

Speaker 2 (04:05):
Do you know why people aren't gnashing their teeth and
being angry about things that happen in China compared to
the amount of angst that happens about things that happen
in the United States of America. Why because China shuts
down their social media so you don't hear about idiot But.

Speaker 3 (04:18):
Yeah, very true.

Speaker 2 (04:19):
So all these people just circling and freaking out and
they're angry and making up, you know, huge exaggerations about
the state of America. That's because you just don't know
what's happening in China, because they just shut things down.

Speaker 3 (04:29):
They certainly do.

Speaker 2 (04:31):
They don't like a bit of negativity.

Speaker 3 (04:32):
No, so they're coming after the negativity.

Speaker 2 (04:34):
Just to finish my sentence. They don't like a bit
of negativity, they'll just shut it down, right. If they
don't like it, they they'll shut it down. So obviously,
in New Zealand we want as much free speech as
we possibly can because we're a democracy. But also you've
got to say that constantly saying negative things and being
cynical does not lead to economic growth. So on that part,

(04:56):
the CCP are right, aren't they?

Speaker 3 (04:57):
They are?

Speaker 2 (04:58):
But in New Zealand we need to use other methods,
more honorable methods to foster a positive attitude. So what
are those? And if you've cynicism and moved on from
being negative, how did you do it? How did you
pull it off? How did you just turn it around
and become a positive force in your in your community?

Speaker 3 (05:17):
Looking forward to that after three o'clock, after two o'clock,
we want to have a chat about insurance snaffoos. So
this was after a recent case in which a couple
returned from a trip. They had thirty one thousand bucks
worth of gear in their car. They left it overnight
and that gear was stolen. So when they went to
the insurance company to file acclaim, the insurer rejected it.
They took it all the way to the ombudsmen, and

(05:37):
the ombsman said, nope, fair enough to reject it because
it was justifiable under not being careful enough.

Speaker 2 (05:44):
Yeah, we're going to talk about this yesterday, but the
lovely tributes to Jim Boulger. We're flying in so thick
and fast that we put this one off today. But
I think it's an interesting one. I always thought that
that that your stuff was covered in your car. I
didn't know there was sort of a due diligence part
part to it. So what are the other things you
should look out for when it comes to insurance? You know,

(06:07):
as I was saying yesterday, if you leave your doors
unlocked on your car, I mean on your house, yes,
are you still covered?

Speaker 4 (06:12):
Yeah?

Speaker 2 (06:13):
If you leave your windows open and you go out,
are you still covered?

Speaker 5 (06:15):
Yeah?

Speaker 3 (06:16):
Very good question. We're going to open that up after
two o'clock. But right now, let's have a chat about charities.
It's tough times for charities in New Zealand at the moment,
as we know, the cost of living crisis is having
a big impact with donations falling rapidly. Some charities are
having to sadly close their doors, while many others are
being forced to make painful choices. This is going to

(06:36):
be a good charities. Who do you give your money to?

Speaker 6 (06:38):
Yeah?

Speaker 2 (06:38):
Well, the charity is having to make painful choices and
so are the people that don't have the cash for
the charities. So if you don't have a lot, what
charity do you go for? Yeah? And I've been thinking
about this a lot. Who I want to spend my
time with as a charity? Because you want to do something? Yeah,
you want to do something, But what's the best thing
you can do? So let's talk about the great charities

(06:59):
of New Zealand. And, as a Texture immediately pointed out,
it's not just money. You know, you can volunteer for
a charity. You can give you your time as this
Texas says cure a lads. Happy birth Happy Friday, Happy Birthday.
Happy Friday was my other son's birthday, said, Actually, happy birthday, Charlie.
He spent the whole day in hospital with his younger brother.

Speaker 3 (07:19):
He's a good older bro.

Speaker 2 (07:20):
Yeah, yeah, it was a you know what he said,
and this is off topic, but and I said, oh,
I'm sorry that your birthday was stink that you were
just in hospital, and he goes, it was great to
spend it with the whole family.

Speaker 3 (07:28):
Oh mate, you've raised a good boy too.

Speaker 2 (07:30):
Good boys just on sunny lampdam Key says this text
during a lovely spring day here in the Capitol. There
are pink ribbons and pink ribbon collectors who are also
volunteers everywhere today, and rightly so. These little ribbons carry
big hopes for awareness for research for Live Saved. No affiliation,
but as a professional fundraiser, I hope Breast Cancer Foundation

(07:50):
New Zealand raised millions and spark conversations that matter. Boobies
are great, so looking after them is incredibly important.

Speaker 3 (08:00):
Yeah, great text, Thank you very much. Keep those texts
coming through. On nine two ninety two, I'd love to
hear from you on oh, eight hundred and eighty ten eighty.
Who do you support when it comes to charities and
if you give your time to a charity. Who is
it and why? How did you get involved? Love to
hear from you. It is thirteen past one.

Speaker 2 (08:18):
Mattter Your eyes painted on says this texture. Yeah, I
think they might be. I think my eyes might just
be painted.

Speaker 3 (08:23):
On that poor bollard. It is thirty past one.

Speaker 2 (08:26):
Third crash of the year.

Speaker 1 (08:28):
The big stories, the big issues, the big trends and
everything in between. Matt Heath and Tyler Adams afternoons used talks.

Speaker 6 (08:36):
It'd be.

Speaker 3 (08:38):
Very good afternoons. You a's sixteen past one. So we're
talking about charities in New Zealand. They are struggling at
the moment with donations dropping off a cliff, but we
want to focus on on the charity that you support.
Who do you think it is important to give you
money in time to now?

Speaker 2 (08:52):
Just something just popped into my head. Someone will be
able to tell me what it is on nine two
nine two. But there was a there was a charity
that was formed where they had a panel that made
very smart decisions, so you put the money in and
that was always challenging changing, so they weren't just doing
one thing interesting. So I mean the idea is that
the money might go somewhere today and then that need

(09:12):
might be sorted out, so it goes somewhere else. And
I think it was called logical altruism, there's a word
for it. But it hit a snag when the main
donated to it turned out to be a crypto currency scammer.

Speaker 3 (09:26):
Okay, that's unfortunate.

Speaker 2 (09:27):
Yeah, and so he was putting billions in but those
billions were being nicked. I believe, I'll look into it,
but that, you know, that's an interesting idea, the idea
that you would find some trusted people and you'd give
some money to them and they make very reasoned decisions
on where the need is needed, the most idea. Peter

(09:47):
from Wellington, Welcome to the show. You think the Red
Cross are a good deal?

Speaker 7 (09:52):
Oh yeah, definitely helping local disasters and overseas. My father
and his brother were in prison camp over in Italy
and Poland for one and a half years and the
Red Cross dropped parcels to their prison camps and kept them,

(10:16):
kept them alive.

Speaker 2 (10:17):
Was this what was this in World War two?

Speaker 7 (10:20):
World War two?

Speaker 2 (10:21):
Yeah? Wow? And so what they flew over and dropped
the parcels in.

Speaker 7 (10:25):
Yeah, the parcels came over and that kept those kept
my brother. There's over five thousand in each of the
prison camps there, and her father and his brother came
back to New Zealand here and I've been working sixteen

(10:45):
years at the Red Cross here in Colbernie, and as
I as, I've been thinking all the time, every sale
that I put through the cash register as a payback
time for the good that the Red Cross have actually
done for not only my father and brother, but for

(11:08):
all these other people. And at the moment it's there
so many disasters and wars still around the world. The
Red Cross is doing a great, great job, I believe anyway,
and actually of interest before I sign off, my father

(11:28):
and his friend in the prison camp in Italy made
a cricket ball of Red Cross strings, and and that
that ball is actually at the top museum I reckon
in New Zealand for cricket at the Basin Resive. Yeah,
it's a it's a great one. And you'll see that

(11:50):
that's right underneath there, and that that ball was moved
from from one camp, from the camp that my father
was into another camp in Germany. Unfortunately he didn't move
with the ball. He went he went elsewhere to another camp.
But anyway, that.

Speaker 2 (12:09):
Ball, So when you say when you say that that
Red Cross, it was maybe Red Cross strings? Was that
strings that we used for the drops?

Speaker 7 (12:16):
Yeah, the strops and parcels they boiled A dad was
in the with another chap from the cargo and they
boiled the ball and made it to what it Well,
that's sort of been vamped up a little bit there,
but it was playable and they had international games. Good,
So there it is, guys. Yeah, So I'm going to

(12:40):
keep going until I'm seventy nine, so I'll see if
I can go for another couple of years. Not out.

Speaker 2 (12:49):
Donating your time that that is fantastic. It isn't interesting
We think about charity, but you know, you're flying over
a war zone as a Red Cross, you know, pilot
and dropping dropping aid into prison camps. That is a
phenomenal risky way to do the right thing, you know,
do something incredibly awesome. Now that ball I haven't seen.

(13:11):
I've got to check it out. So it has it
got a good seam on it.

Speaker 7 (13:14):
Yeah, and it looks it looks so real red and
color and everything. I took my father and he never
told me, and to one day, I said, I think
we'll go into the museum, and he said, yeah, I
made it. I made that. I got it confirmed from
his brother who was who was with him, So it's

(13:35):
definitely true.

Speaker 2 (13:37):
I bet that would swing a mile. Whenever you make
when you we didn't make a homeway ball, you make
sure one side is really rough. Hey, what a greatrike,
What a great story, Peter, Yeah, fantastic.

Speaker 7 (13:47):
Thanks very much, guys, keep up the good work.

Speaker 3 (13:49):
You keep that you know you can keep up the
good work, mate, That's fantastic. I mean, when you've got
a connection like that to a charity, how could you
not What a phenomenal story.

Speaker 2 (13:56):
Yeah, the Red Cross has been going since eighteen sixty three.
That one's been around a very very long time.

Speaker 3 (14:00):
Yeah. Oh, one hundred and eighty ten eighty is the
number to call. Charities are doing it tough. So who
are you giving your money to?

Speaker 2 (14:06):
I volunteer at the Cricket Museum. That ball has such
a good story, as does the ball every other ball
in there, right, as does the other ball in there, right,
Matt Ah, Yeah, they've got then the other ball that's
in there. Oh yeahs a few other balls there. But
there's the underround ball in there.

Speaker 3 (14:20):
Oh, there's a story to that.

Speaker 2 (14:21):
You know, that Cricket Museum is fantastic. If you're a
cricket fan, you've got to check that out.

Speaker 1 (14:25):
Twenty two past one, the headlines and the hard questions.

Speaker 6 (14:30):
It's the mic Asking Breakfast.

Speaker 2 (14:32):
So I can't work out a way round this.

Speaker 3 (14:33):
So, I mean the horse has bolted when it comes
to jurisdiction and online, hasn't it If.

Speaker 8 (14:37):
You're wanting to go after the actual online provider for
defamation safe for example, a reasonable period of time after
they receive notice to take down the offending content. Obviously
a platform like TikTok Facebook, how are they going to
know what they're You know, people who are on those
platforms are posting if it's true or false, right, they
need to receive notice before they can take it down.
And as you said, the horse has already bolted to

(14:59):
some extent because it's already been up for a period
of time and probably shared by various people.

Speaker 2 (15:06):
Back Monday from six am, The mic Asking Breakfast with
the Defendant News Talk.

Speaker 3 (15:10):
Z B Afternoon. It's twenty five past one and we
aren't talking about charities. They are struggling more than ever
at the moment, So who do you support and why
who do you give your time or money to? One
hundred and eighty ten eighties number to call.

Speaker 2 (15:23):
So when I was talking about before about it was
called effective altruism, and that that was the plan that
you give money to a panel that knows what they're doing,
and they make sensible decisions, and you just keep donating.
You set up a direct credit and you just give
money and you know that these people will slide through
a bunch of stuff yep, and donate. But the person

(15:44):
that was the biggest donator was that guy Sam Backman Freud.
You know that guy, Yes, Sam Backman Freed. Yeah, anyway,
terrible human being around that fallen crypto situation. So the
philosophy by behind effective altruism was really well intentioned, you
would think. But it's kind of like Bernie made Off, right.

(16:07):
So Bernie made Off was running all these charities and
all these charity dinners and was walking around getting celebrated
him and his wife. Yeah, his wife didn't know what
was going on, but the money was being stolen.

Speaker 3 (16:19):
Yes, yeah. Yeah. It's a great idea though, and unfortunately
in that case it was Yeah, it all fell over
deb How are you this afternoon?

Speaker 9 (16:27):
Kay?

Speaker 10 (16:28):
Good?

Speaker 11 (16:28):
Thanks?

Speaker 3 (16:29):
Now you want to have a chat about a charity
that you've had some involvement with.

Speaker 11 (16:34):
Oh, absolutely. I think it's an important part of human
is to give money to others, and I support a few,
but the one that I'm calling in about is the
Manaya Kilani Education Trust and that it's actually based out
of schools and is in supportive Decyle one and low

(16:57):
decole schools. So what they do is they support schools
where the parents are buying their their device, are their
chrome book to use in school. So rather than just
giving kids a laptop, these schools that the Mania Clone

(17:20):
Education Trust supports made the decision, along with the parents
and the schools, that they would set up a micro
financing system so that the parents pay three or four
dollars a week and over three years they pay off
their kids device. So this isn't you know, just asking
with your hand out to me give me laptop. It's

(17:42):
actually the parents paying in. But when you set up
a microfinancing system, you've actually got to be able to
buy the device in the first place for the parents
then to pay it back, you know, So the trust
needs to hold a pool of money so that they
can buy the devices and then yes, set up up a.

Speaker 2 (18:06):
System and you've got a no interest loan on the device.

Speaker 11 (18:14):
That's exactly it, and it's it's enabled. Well at the moment,
I think it's about thirty thousand kids in the country.

Speaker 12 (18:22):
Wow.

Speaker 13 (18:22):
So that's that's the kind of thing that makes a
huge difference in someone's life, right because nowadays the kids
have to have these devices. Yeah, absolutely, and so that
that's very well thought out. Who came up with the
idea and who started it?

Speaker 2 (18:37):
Do you know?

Speaker 11 (18:37):
Deb well it it was a group of schools in
glen and this Pamur Point, England, in that area of
what East Aalkland. Who knew, I'd know this is twenty eleven,
twenty ten. That you know, you can't just sit around
waiting for the government to do something about it or
hand out devices because it would never get to a

(19:00):
desil one community. So they yeah, cleverly talked about well
what could we do if we did it ourselves and
so yeah, they set up a trust and the trustees
take care of the financial side of it. There's more
to it that they just have to be trained and
so Forthsome I've got a part of it, training the teachers.

Speaker 3 (19:25):
What a great organization did so have you had a
bit to do with them? How did you get involved?

Speaker 11 (19:29):
Well, I'm a community member and the parents of the schools,
and so yeah, that began my association and then I've
just continued to be a great.

Speaker 14 (19:40):
And active supporter of it.

Speaker 2 (19:42):
Good on you and how can other people support it?
Is there is there an online presence?

Speaker 11 (19:47):
Yeah, there is. There's give a little page of course,
but they also have a website that gosh to spell
it out here in a in A I A k
A l A ni Manakalami dot org. There's a link
here to their bank at count.

Speaker 2 (20:07):
What is the name come from?

Speaker 11 (20:10):
It's a name that actually is in a Hawaiian word
and it's the name of the constellation of stars that
the original Mary Walker followed as they came backwards and
boards from New Zealand. So I've had that idea of
following your way in the cloud, and of course cloud

(20:31):
computing is what this is all about.

Speaker 4 (20:33):
So yeah, there you go.

Speaker 2 (20:35):
M A N A IAKA l A N I. Did
I get it?

Speaker 15 (20:40):
You got it?

Speaker 3 (20:41):
Well done? You two the spelling fantastic, Yeah, well done.

Speaker 2 (20:45):
It was like a kid like five year old kid
running down at hill. There's run to not fall over. Thanks,
good on you, Thank you so much for your call.

Speaker 3 (20:53):
Yeah, thanks, thank you very much. O. One hundred and
eighty ten eighty is the number to call. What charity
are you supporting at the moment? If you work for
a charity, love to hear from you. Good chance to
give a shout out to the good people out there.
Headlines with rayling coming up, then we're taking more of
your cause. It's twenty nine to two.

Speaker 6 (21:10):
News Talk said.

Speaker 16 (21:11):
The headlines with blue bubble taxis it's no trouble with
a blue bubble. A new government report on organized crimes
says the situation is dire. The report was delivered to
Customs Minister Casey Costello today and recommends creating an Organized
Crime Minister and in across government board. A person's critically

(21:31):
injured following a crash involving a car and a cyclist
in christ Church's Sydenham. Emergency services were called to the
intersection of Colombo and King Streets around twelve forty. The
roads closed and motors should avoid the area. Thousands of
career firefighters up and down the country are now back
on the job after an hour long strike from noon

(21:53):
to midday, A spotlight will be turned on children's motocross
after a coroner ruled four deaths will be examined in
a joint inquest a probe and to the death of
ten year old toepured motocross rider Jack Wilson has been
paused after three young people died in similar circumstances as Freely,

(22:13):
a founding member of the glam rock band Kiss has died.
He was seventy four. Six ways gen Z are ruining
the workplace for everyone else. See the story it and
said Harold Premium. Now back to Matt Eath and Tyler Adams.

Speaker 3 (22:27):
Thank you very much, Ray Lane having a great discussion
about charities. It's pretty tougher charities at the moment as
we know, their donations have fallen off a cliff. So
who are you donating to if you are, and who
are you giving you time to?

Speaker 2 (22:39):
So I shared an inaccuracy I believe on the show
a lot of people to texting through. I was saying,
yeap that the Red Cross used to drop the parcels
in to the prison prisoners, But no they didn't. Just
for the sake of accuracy, says Tom and a bunch
of other Texas. The Recross did not air drop parcels
into prisoner of war camps. The Red Cross parcels came
through a neutral country to the German authority, who distributed

(23:02):
them to the prisoners of war. In the camps. The
parcels were held together with string. Hints the story about
the cricket ball made from the Red Cross parcels, Yeah, yep,
so I was a bit wrong there. I was imagining
some kind of World War two flying ace dipping in low.
It doesn't actually make any sense because it's cool though,
because of course the prison guars which just grabbed.

Speaker 3 (23:22):
It, right, Yeah, good point. Yeah yeah.

Speaker 2 (23:24):
Have you ever seen that picture of Charlie Upton was
itt Star Lug four that he was. He was trying
to escape and he got wrapped up in the barbed wire.
There's this great shot of it. There's a great pot
called Finding Charlie actually fantastic book on history. But he's
he's wrapped up in the barbed wire, just smoking a

(23:44):
cigarette because he couldn't get out. He messed it up.
But the guys, all the prison guars have got guns
on it. It was a really amazing shot. Hey guys,
my granddad was also a PW POW and starlug four
in Jimmy. He used to say the Red Cross was
the reason lots of them survived.

Speaker 3 (24:01):
Great job, Red Cross. Cheers, Darren, fantastic. Oh eight hundred
eighty ten eighty is the number to call love to
get your thoughts on this one. Ellie, how are you
this afternoon?

Speaker 14 (24:12):
I'm very well, thank you, and I'm a free, pasionate
supporter of the Ovarian Cancer Foundation New Zealand. They're running
for October at the moment as a fundraiser. It's really
really important. The disease is the deadlist of the five
gynecological cancers. It kills more than the other four put together,
kills more women than die on our roads, and our

(24:34):
government spends more on trying to reduce the road toll
than have spent from research into ovarian cancer all over
the world.

Speaker 2 (24:42):
Ellie, what do you do? What did you say you're
doing in October? Run for October?

Speaker 14 (24:45):
Did you say for October?

Speaker 11 (24:47):
Oh?

Speaker 2 (24:47):
For October? Sorry?

Speaker 6 (24:49):
Yeah, so to.

Speaker 14 (24:50):
Frock up, to t to tell overian cancer to frock off.

Speaker 3 (24:55):
Ah, I like that nice.

Speaker 14 (24:57):
And it's not only women. I was speaking at a
function that's some wonderful women and twice run every year.
They've had a personal connection to people who've died of
ovarian cancer and among the people in the audience with
some men who crocked up and not very glamorous.

Speaker 2 (25:15):
Just a quick question for you, Alie, what what? What
part of my ignorance? But what's a frock compared to
a dress compared to a gown compared to a skirt?

Speaker 3 (25:25):
Fair question?

Speaker 14 (25:27):
Well, a skirt's only half right, the waist down, that's right.
A gown I think would normally be long like a
ball down. And I don't know that there's a difference
between a frock and a drink.

Speaker 2 (25:38):
Okay, it just the word frock just works for the
Ovarian Cancer Foundation. Yeah, and the frock off part of it, Yeah, brilliant.
And so how can people support froctober Ellie?

Speaker 14 (25:52):
If they google or just frocktober dot org, or if
they google ovarian cancer in z dot org, they all
find it and you can frock up. You can encourage
other people to get sponsorship, have a function of some sort,
go for well, I mean, do any of the usual fundraisers,
or just give some money to somebody who is frocking up.

Speaker 3 (26:14):
Yeah, good on foundation and organization. That's a big one.

Speaker 2 (26:18):
Frock's a word when you start looking at it and
thinking about it becomes like it's a very strange word. Frock.

Speaker 3 (26:22):
It was a good question and Ellie answered that beautifully.

Speaker 2 (26:24):
Yeah. But men used to be kind of a frock.
Wasn't there a kind of English dandies used to wear
big frock jackets? Is there there's another part to frock?

Speaker 6 (26:35):
Right?

Speaker 3 (26:35):
Someone will know out there? Nine two ninety two, If
you know.

Speaker 2 (26:38):
Let's deil the whole show and take a massive detour
down frock Ellie.

Speaker 3 (26:43):
Yeah, just for a short while. Nine nine two is
a tick's number.

Speaker 2 (26:46):
There you go, Elie Overian Cancer Foundation.

Speaker 3 (26:48):
Yeah, fantastic. October oh undred and eighty ten eighty is
the number to call. Christine. How are you this afternoon?

Speaker 11 (26:56):
Good?

Speaker 17 (26:56):
Thank you, Tyler.

Speaker 10 (26:58):
I just wanted to pass on a bit of information
that I was given years ago and when my husband
was president of a local group here in christ and
the person that we were interviewing with Rosie Foundation, she
said that it was much easier when groups were bigger groups,

(27:21):
and once groups doesn't screwing turned off into smaller groups.
There was a lot more groups wanting funding, but there
was only the same amount of funding available.

Speaker 2 (27:32):
Yeah, so I mean, how do you how do you
go about that? How do you go about consolidating groups?

Speaker 10 (27:38):
No, I don't I don't know. She just said that
that was that was causing quite a problem for them
because all the small groups were wanting funding.

Speaker 3 (27:47):
Yeah, that's a fair point, Christine. Thank you very much
for your call. Plenty of teach coming through. Hi, guys,
I sponsored an eleven year I like this idea. I
like this idea because, I mean, part of us is
thinking about how you can spend your money. I mean
that the topic started because charities are finding it harder
because people don't have as much money currently. We will
soon on positive economies coming back and things are going

(28:07):
to get better for chair it so as we come
to the end of this year and into next year.
But currently charities are finding it a little bit different.
So I've been thinking a little bit about what where
I want to put my money and I like this
idea from Kate. Hey, guys, I sponsor eleven year old
through Variety New Zealand. My fifty dollars monthly makes sure
he gets school uniforms, stationary warm clothes and bedding in winter,
and means to go to school camp. My child lives

(28:30):
with his mum and two siblings, and she tries hard
to afford a disease, but that tiny bit of money
means she doesn't dread the start of school in February
or struggle to buy winter shoes in May. I also
help her at Christmas with supermarket vouchers, and my variety
child writes.

Speaker 2 (28:44):
Me letters during the year telling me how he's going.
All kids want to do is fit in and have
the basics like their friends. It's easy and relative effective,
relatively effective, and it makes my heart swell with pride
when he achieves.

Speaker 3 (28:56):
Kate, I love that one that is beautiful, isn't it.
I love that one that goes a long way when
you're helping out a child who needs a bit of help. Yeah,
that is a huge one, Thank you very much. It
is nineteen to two back very shortly. Oh one hundred
and eighty ten eighty is the number to call.

Speaker 1 (29:12):
everything in between.

Speaker 6 (29:17):
Matt Heath and Tyler Adams afternoons used talk.

Speaker 2 (29:19):
Sa'd be sixteen to two, I was talking about one
of my favorite books ever, which is Searching for Charlie
in Pursuit of the Real Charles Upham VC and Bar.
It's a fantastic book, and we're just talking about you know,
German prison prison camps. There's also the famous one that
everyone had in their batches, Mark of the Lion. That's
a great book as well, and in a way, Searching
for Charlie is sort of a tribute to that book.

(29:41):
But fantastic book written by Tom Scott and he traveled
around all the places anyway by the buyer Roger here
as Texan Charles Upham VC with Barr. A backstory to
that photo which when you see him, he's wrapped up
in barbed wire smoking a cigarette after trying to escape
a German prison camp. The first guard was going to

(30:03):
shoot him, and Charles Upham said told the guard that
he refused to be shot by a private. Go get
an officer to shoot me. So the guard went for
an officer took who took the photo. And I think
at that point Charles up and was so famous for
his antics across you know, all the Allied forces and
even German forces. I think Rommelin even talked about him

(30:24):
and met him. That They're like, it's going to be
too much for a disaster if we shoot this guy.
So they didn't. But I think that's when he got
put on. What's that is it? Coldric's? Yeah, I'm just
talking history. Here's a fantastic, fantastic book.

Speaker 3 (30:36):
But what a legend that man is made? Clearly a
mad dog.

Speaker 2 (30:39):
Visit Graves and is gravenyar Chross church?

Speaker 3 (30:42):
Good question nine two nine too if you know the
answer to that. Oh, one hundred and eighty ten eighty
Back to the charity discussion, gid.

Speaker 18 (30:49):
A, Jeff, good afternoon, How are you doing very well?

Speaker 3 (30:53):
What charity do you want to that lady?

Speaker 5 (30:55):
That was just on?

Speaker 18 (30:56):
That was amazing short of beautiful story.

Speaker 3 (30:59):
Yes, yeah, it was lovely, wasn't the last one?

Speaker 18 (31:01):
It is? And that's what people should really take ten
minutes of their time to day and just contemplate and
reflect on what they're going to do and what they're
going what they have to do, and what they don't
have to do. I think we live in a bloody hoarly,
especially in Auckland in where early early bloody place where
at the end of the day. If you've had a

(31:22):
morning like I've had dealing with what's the name Wilson, pag.

Speaker 2 (31:30):
Wilson, the opposite of charity.

Speaker 18 (31:34):
Yeah, uh they you know we we are now dancing
the idiots that will put it this way, the monkeys
are in charge of the zoo. Let's put in the
mounds to Algam City Council and the other councilors. Look
at Auglam City Council. They're out of control. They do
not know which way they're running. Give them a million

(31:54):
dollars or spend it so and actually we went the
wrong way there.

Speaker 5 (31:57):
We'll go the other way tomorrow.

Speaker 18 (31:58):
That's another million.

Speaker 12 (31:59):
You know.

Speaker 2 (31:59):
So if you talked about the bad guys, what about
the good guys? What charity do you support?

Speaker 18 (32:04):
There are plenty of good guys out You just got
to take your time to find the man. When you
do find them, you hang on to them and talking
about councils of the plumber, drain a gas but the
roofer and you know it's through my life. You find
the good guys and the council and you deal with them.
Just stare clear of everybody else. And because we just

(32:25):
didn't ticketed, we really don't have to talk to anybody.
We just do what we are trained to do, which
is we're experts at what we do, you know. Yeah,
And I don't need anybody looking over my shoulder to
tell me what to do. I'm doing my job for
the customer who wants the best job at the lowest price.

Speaker 2 (32:45):
That's I love that for you, Jeff. And congratulations for
fantastic for your customers. What charity do you.

Speaker 18 (32:50):
Do well, I'm standing up for charity. It's been going
for quite some time, under the under the under the radar,
if you like, but it is called the UKA Trust
e u k A Trust and what we do we
look after physically and mentally handicapped people.

Speaker 3 (33:08):
A wonderful thing to do, Jeff, very wonderful.

Speaker 18 (33:10):
Well, the health system is broken.

Speaker 5 (33:12):
You're probably aware of it.

Speaker 18 (33:14):
The health system mentally health system is even more broken.

Speaker 2 (33:18):
Yeah, how could how could people support the e u
k A Trust the what do you say? You can trust?

Speaker 18 (33:26):
You can trust what we're doing with I'm setting this
up throughout New Zealand and we're starting in Auckland. Hopefully
we'll start very very shortly with a property and we'll
be going right throughout New Zealand, and we'll get the
first one if you like, teed up. Get the machinery
running right, get the people running right, and then there'll
be a middle bit like McDonald's where you get this,

(33:48):
you know, get the machinery right. Then you've got going
to get the right people. Yeah, and then duplicate that.
There's plenty of people out there want to help, you know.

Speaker 2 (33:56):
Yeah, good on your jip so the you could trust
the e u k A yep, just getting it up
and running.

Speaker 3 (34:01):
Good on you mate, fantastic Jeff, thank you very much.
A few ticks coming through on nine two ninety two.

Speaker 2 (34:06):
Hello, I'm a professional fundraiser and would like to give
thanks to all those who donate whatever charity aligns with
their personal circumstances and experiences. Your generosity is appreciated.

Speaker 6 (34:15):
That you go.

Speaker 2 (34:15):
That's Lisa from Lifeline.

Speaker 3 (34:17):
Yeah, good call a very good text Angela. How are
you this afternoon? Ray?

Speaker 9 (34:23):
Hi, guys, how you do it?

Speaker 2 (34:24):
Very very good? Better since you've called Angela, ah.

Speaker 4 (34:28):
Bless you.

Speaker 2 (34:32):
What's your charity of choice?

Speaker 19 (34:35):
So?

Speaker 20 (34:35):
I'm actually the chief entertainment officer at key We Harvest.

Speaker 2 (34:41):
Key We Harvest, Yes, tell us about key We Harvest.

Speaker 20 (34:44):
We're a food rescue charity, so we rescue foods that
would otherwise go into the waste stream.

Speaker 2 (34:51):
I love, this be really bad for.

Speaker 20 (34:52):
Our economy and our climates, and we redistribute it to
those in need via two hundred and thirty five charity.
So we actually help them to be able to do
more with their budgets by providing them with free How good?

Speaker 2 (35:10):
And so where do you collect the food from? Angela?
I'm just I'm just at kwiharvest dot org dot nz
and I'm looking and looking at each review.

Speaker 20 (35:19):
And Deborah Mening, Yeah, so lovely, the founder of Too
We harvests still in Donedans. We are we collected from
three hundred and seventy food dinings, okay, and supply that
to two hundred and thirty five charities.

Speaker 2 (35:36):
So is this food that would otherwise go to waste?

Speaker 20 (35:40):
Yeah, otherwise got a landfill?

Speaker 2 (35:42):
Or is it supermarkets? And who is it restaurant? Supermarkets?
Who is it that that has this extra food?

Speaker 20 (35:51):
It's from supermarkets right the way back to growers. So yeah,
we've got some carrots that were too orange. We get
food that doesn't hit speck, we get food that's coming
up to its best before date but still perfectly fine
and safe to eat. Yep, I was actually I was
actually one of the people that get best before dates

(36:15):
back in the nineties, and it was all about how
high the bubbs jumped and the color and shiny chocolate was.

Speaker 2 (36:23):
Yeah, not so much about the edibility.

Speaker 5 (36:26):
Yeah.

Speaker 20 (36:26):
So our superpower is that we can feed a family
of four three meals for five dollars.

Speaker 3 (36:33):
That's brilliant. I'm just having to look at some figures here.
So since twenty twelve when this was set up, is
this right, you have saved food for the meal equivalents
of thirty seven million, almost thirty eight million meals.

Speaker 14 (36:45):
Correct.

Speaker 3 (36:46):
Wow.

Speaker 20 (36:46):
I love what we do. I was in the food
industry and I came and volunteered and said to dead,
you best find me a job because I'm not leaving
the I'm just going to sit right here.

Speaker 2 (37:00):
Oh good on you. Well, I'm go and check them
out at Keywiharvest dot org dot NZ And there's just
a big donate button at at the top of that
something that you like the sound of. Thanks Angela.

Speaker 3 (37:10):
Yeah, fantastic, right, it is eight minutes to two taking
your calls on oh eight hundred eighty ten eighty. Which
charity do you support? And why back in the.

Speaker 2 (37:18):
Mo Yeah, never got any Charlie updom storys. Love those
love Charlie. Oh, Charlie Ufam's ashes are interned at the
Saint Paul's churchyard and Papa Noui oh.

Speaker 3 (37:26):
I should have gone and seen it.

Speaker 1 (37:29):
Matteath Tyler Adams taking your calls on Oh eight hundred
eighty ten eighty, it's mad Heathen Tyler Adams. Afternoons News Dogs.

Speaker 3 (37:37):
Be very good. Afternoon dude is six to two and
we've been talking about charities, who do you support? Who
do you give you money to?

Speaker 2 (37:44):
And there's frocktober going on and that's for ovarian cancer, yes,
and so there's some questions about frocks and Judy's going
to clear those up for us.

Speaker 17 (37:54):
I believe, Yes, Hello, you too, really good program. But
what I want to say about frocks that ladies wear frocks.
But you were wondering that there was something else. Yes,
men used to wear frocks, hoats with the top hats
and the canes and stride about London. They were the

(38:14):
long coats that came to the knee at the waist.

Speaker 2 (38:18):
They be called a dandy.

Speaker 17 (38:20):
Yeah, yeah, the dandies used to wear the frock coats
and twirl the cane and stride about London. You know,
just in the eighteenth century or something or ound that
they were frock coats.

Speaker 2 (38:32):
Would they be wearing a knickerboca with that.

Speaker 17 (38:36):
Mecka Bocca's are forgotten what they were?

Speaker 2 (38:39):
The sort of tight sort of job for type pants.

Speaker 3 (38:41):
Would go out with the frock coat, I think?

Speaker 17 (38:43):
Yeah, Well anyway, and they had the long boots on
you yeah, they probably did stove pipe trousers. Yesser.

Speaker 2 (38:51):
Is it a look that you approve of? Do you
think do you think it could come back? You think
Tyler could wear that?

Speaker 17 (38:58):
I do feel that it was in its day and
probably would.

Speaker 2 (39:01):
Not work now than if you called Judy on Rock
a frock coat, I know I would, Zoey sees. My
favorite way to support you there it is, is by
going to op shop city.

Speaker 3 (39:10):
That's good one, you know, that is nice?

Speaker 2 (39:12):
Put it back in. Heard your guests talk about variety
and it sounded so good. I just logged on and
sponsored a child. Nice one. Cheerz Calvin, well done. I
love the idea of variety.

Speaker 3 (39:21):
Yeah, they do. Good work. Fantastic discussion that one. Thank
you very much to everyone who teks through. Clearly a
lot of great Kiwi's generous kiwi still out there, which
is fantastic.

Speaker 2 (39:30):
Let's Texas is Mercy Ships super cool charity? Okay, yeah,
lot coming through.

Speaker 3 (39:33):
Yeah, love it right. Coming up after two o'clock, we
won't even chat about insurance snare foos. Have you tried
to make a claim and got denied for whatever reason?
Love to hear your stories on our eight hundred and
eighty ten eighty. If you want to send a teacher
more than welcome. Nine two nine two is that number back?
Very shortly. You're listening to Matton Tyler. Hope you having
a great Friday afternoon.

Speaker 6 (39:56):
Yeah, talking with you all afternoon.

Speaker 1 (40:01):
It's Matt Heathen Taylor Adams Afternoons news Talks.

Speaker 3 (40:04):
It'd be very good afternoon to you. Welcome back into
the program. Really good to have your company as always.
Hope you're having a good Friday afternoon. So it's going
to be a good conversation. We're going to get to
this yesterday, but we were so inundated with our discussion
about the beloved and late Jim Boldron also the most
impactful prime Minister, and there was some big votes for

(40:25):
Julius Vogel your.

Speaker 2 (40:26):
Favorite, and then we had to get to Thruffles as well.

Speaker 3 (40:28):
That's right, Yeah, there is a big afternoon. So we
want to have a chat about insurance snaffoos. This is
on the back of a recent case that was publicized.
It was a couple that returned from a trip overseas.
They had thirty one thousand dollars worth of designer items
this is clothes watchers, Jewelry, had it in their car.
So they went home, parked up the car, left all

(40:50):
that get in the car, locked it up, and then
during the night the car was broken into and those
goods were stolen.

Speaker 2 (40:56):
And am I getting a story right here, Tyler? If
I say that the partner she said, get their stuff
out of the car.

Speaker 6 (41:03):
Yep.

Speaker 2 (41:03):
And I'm adding a whole story to this that I
don't know. But it feels like come back for trip
and you can't bother unpacking the car.

Speaker 3 (41:09):
One hundred percent. And look, we've all been there, particularly
in an international flight, your drives. Oh man, I'm naked
being on a massive flight. We'll just get home, We'll
get the luggage out tomorrow and all be good.

Speaker 2 (41:20):
And I don't you know, I'm not judgemental because its
the kind of thing I do. But the dude had history,
the history of getting his car rob when he left
things in there. Maybe he was a lightning doesn't strike
twice kind of guy.

Speaker 3 (41:31):
Yeah, well that and that was a big part of
why the insurance claim they did have. Insurance tried to
make a claim. Insurance company turned around and said, sorry,
that's rejected because you weren't careful with the valuables that
you had in your car, and they took it all
the way to the insurance Onbardsman and the oddsman agreed
with the insurance company.

Speaker 2 (41:47):
That's going to sound stupid, But how many ombudsmen do
we have? I love the word.

Speaker 3 (41:51):
There's a very good question. I think there's one insurance oburdsman.

Speaker 2 (41:54):
Right, and there's the one general one.

Speaker 12 (41:56):
Yeah.

Speaker 2 (41:57):
Is there a radio on budsman there should be to
look at that.

Speaker 3 (42:00):
Yeah, yeah, we're gonna have to find out. It's a
great word. Onds.

Speaker 2 (42:03):
The point is the highest authority in the insurance world
said that, sweet as that. The insurance company goes, no,
you didn't. What's the word? There was no duty of care, not.

Speaker 3 (42:13):
Word for reasonable care.

Speaker 2 (42:14):
There was no reasonable care taken. So that's odd soul.
What would reasonable care include? Would that be putting it
under something or putting it in the boot?

Speaker 3 (42:25):
That was part of it.

Speaker 2 (42:26):
So you can't so it can't be seen through the windows.

Speaker 3 (42:28):
Yeah, Well, so there were two elements to why they
rejected it and why it was agreed to by the Obernsman. Was,
as you say, it was visible. Yeah, So that was
one element. And the second element was that this guy
had been robbed very recently in the same scenario that
someone broke into his car and stole some stuff. So
it already made a claim for that. So it was
a double wheremy he didn't learn from the first time

(42:49):
and it turns out that they were.

Speaker 2 (42:51):
What kind of stuff was it again?

Speaker 3 (42:52):
There, Tyler, it's thirty one thousand dollars worth of clothes, jewelry, watches,
et cetera. Watches, watches right with anes on it.

Speaker 2 (43:01):
So I don't know if the insurance company is right
or wrong. But if you're leaving watches and in a
place that people can see in your car, yeah, then
you are rolling the dice of life. I've got to say.

Speaker 3 (43:14):
Yeah. But is you know, like, how many of us
actually read the nitty gritty of an insurance policy when
you make it out. No, me neither. I just think
if I get insurance about valuables that I've got and
it's in a car that's locked up, even if it
is visible, I'd expect the insurance company to come back
and say, yeah, fair cop.

Speaker 12 (43:31):
Yeah.

Speaker 2 (43:32):
This textro on nine two nine two says where was
the car parked? Good question, on the street in front
of the house. This story doesn't specify that because if
it was in your driveway, that's a very different thing,
isn't it.

Speaker 3 (43:42):
Yeah, Well that's how that can get people as well.
That if you tell your insurance company that you park
your car in a garage and it gets broken into
outside of that garage, I think they've got grounds to say, nap,
not going to pay out this.

Speaker 2 (43:51):
Texas says you can't rob a car, you knob.

Speaker 3 (43:54):
Well, I am a knob, but of course you can
rob a car.

Speaker 2 (43:57):
Why can't you rob a car?

Speaker 3 (43:58):
Yeah, you can break into it, starter up and she's robbed, So.

Speaker 2 (44:01):
You can steal a car, but you can rob things
from a car. I think that person's got confused there. Yeah,
definitely rob a car.

Speaker 3 (44:06):
Yeah, absolutely, thanks to the text though.

Speaker 2 (44:08):
Yeah, I appreciate it.

Speaker 3 (44:09):
I wait, one hundreds, good to clarify, I thinks.

Speaker 2 (44:12):
So it's an interesting one, isn't it. I didn't know this.
I just thought stuff in your car was covered if
you have that particular insurance. So what are the other
things that people should look out for when it comes
to insurance? If you leave your doors unlocked and your house,
are you covered for your contents insurance? What about leaving
the windows unlocked, barefoot driving? What don't you know about

(44:33):
your policies?

Speaker 3 (44:34):
Yeah, come on through. I eight one hundred eighty ten
eighty is the number to call. Nine two ninety two
is the text number.

Speaker 2 (44:40):
If you push your partner off a mountain path, an
isolated mountain path, can you claim the life insurance that
kind of thing. Yeah, these curly gray area questions.

Speaker 3 (44:49):
Love to hear those stories. Absolutely, come on through. It
is eleven past two back in the mole. You're listening
to Matt and Tyler, your.

Speaker 1 (44:57):
Home of afternoon talk, Mad Heathen Tyler Adams afternoons.

Speaker 6 (45:01):
Call Oh eight hundred eighty ten eighty News Talk ZB.

Speaker 3 (45:05):
News Talks.

Speaker 2 (45:06):
There be well wow, wow, I think this person, the
person that called you a knob, might have something here
about I think you can only rob.

Speaker 3 (45:14):
A person, yeah, me a copa time for me?

Speaker 2 (45:17):
Yeah, So I was thinking now, meaning that they hadn't
heard you and they thought the car had been stolen.
So you don't rob a car when you steal the car.
But I thought in the way that you can rob
a house if you break into a car. So you
break into a car and steal something, yes, but you
rob from the person.

Speaker 3 (45:35):
Yeah. Apparently the deep dive into the origins of the
word rob has to be associated with people.

Speaker 2 (45:41):
As this text says, you can't rob a car with
no people in it. You're not.

Speaker 3 (45:46):
A very important part of it. Yeah, I really appreciate
the knob out of it. Thank you very much.

Speaker 2 (45:51):
So, okay, I've got some audio here that see this
will help.

Speaker 3 (45:56):
Let's ever listen.

Speaker 2 (45:56):
Okay, let's have it.

Speaker 21 (45:58):
Let's see job and steal. Both the words are related
to crime, but you know what, there is a difference
in using them. Rob is used for the bigger crimes.
It is focused on the person and the place being targeted.
It often involves force or threat. They robbed the bank yesterday.

(46:21):
He was robbed in the street. Now, steal steal focuses
on the things being taken, not the person or the place.
It's generally used for smaller crimes. Someone stole my wallet.
The thief stole jewelry from the house. Here's a quick comparison.

(46:42):
They robbed the bank and stole ten thousand dollars. Rob
focuses on the place. Steal focuses on the thing.

Speaker 2 (46:52):
Well, say that that's interesting because you can rob the
car and steal the guy's watchers.

Speaker 3 (46:59):
Yeah, but in that case it's they've stolen the goods
and robbed the person. But then if they steal the car,
because there's nobody look good to clarify. I think we
will get to the bottom of that before this hour's out. No,
you can only rib a person like this is this
is this is complex. This always happens on our show.

Speaker 2 (47:17):
We get we get massively derailed from the topic due
to tyler and my inability to speak English.

Speaker 3 (47:24):
Yeah, very that is very well poised.

Speaker 2 (47:27):
Take this down, could set.

Speaker 3 (47:28):
I don't know what we can do about that. I'm sorry.
At least get back to insurance though, get a shama.

Speaker 5 (47:34):
Hi good eh.

Speaker 4 (47:35):
I learned a bit of English through that last session
in wheels.

Speaker 2 (47:38):
Yeah, me too, which is, yeah, I'm a little bit confused,
but I think I'm closer to the truth.

Speaker 4 (47:44):
I believe you confused more people than you've got them
sort of indicated.

Speaker 2 (47:48):
Likely that's what we do every day.

Speaker 4 (47:51):
Yeah, just my thoughts on insurance. One element in the
insurance I've been in the insurance industry for most of
my life and sort of retired now. So one element
is that you should be People believe there's this mindset
that if I meansured, I can be as scarless as possible.
But the reality is that you should always behave as

(48:14):
you are uninsured in any aspect of your life. That
is the clear mitigation on any claims. So example, a
gentleman that actually made that claim for the city one
thousand dollars whatever it was his mindset what I insured,
I'll go and sleep, I'll park the kive. If something
goes wrong, I've got insurance cover. That mentality is wrong,

(48:35):
you will always get rejected. Similar to any claims of
a natural disaster, some people wait for the insurance companies
to actually.

Speaker 5 (48:45):
And if you've got the.

Speaker 4 (48:47):
Ability to secure your home prior to an insurance prior
to an event, those things should be done even though
you insured. So just to re emphasize that a lot
of people have this mindset. Because I'm insured, I can
be as scarless as possible.

Speaker 3 (49:05):
And it makes sense what you're saying, But what a
out accidents? And you could argue, so when you're driving
in a car, you don't expect to have an accident,
and you're trying not to, obviously to your point, but
sometimes accidents happen because you haven't been careful. There wasn't
reasonable care on what you were doing, and you still
get paid out. Could you not argue that this fella
he accidentally left the bags, you know, it slipped his

(49:27):
mind and it was an accident that he left those
goods on the seat.

Speaker 4 (49:30):
It boils down to the terminology accidental or accident. You know,
accidentally left something in the car compared to it having
an accident at two different food aspects. So you know,
you knew you've come back, you know you've got valuables
in your car. How much effort did you make to
secure it is the question? You know, if you believe

(49:54):
that I could leave my car full visibility of what
the contents inside.

Speaker 3 (49:59):
Yeah, and believe that if I get robbed.

Speaker 4 (50:03):
I can claim insurance and it is you know, it's
a bit dumbfounding that somebody can be so ridiculously cares.

Speaker 3 (50:13):
That's a lot.

Speaker 2 (50:15):
How is that worded in an insurance policy? That's sort
of you know, responsibility to be sensible.

Speaker 4 (50:25):
Well, it is more to do with well if you
if you buy it again. It boils down to what
type of insurance you've taken. And it's not really worded
as I'm saying it, but there's in terms of when
you are making a claim on an insurance policy and

(50:46):
their point in assessor. The assessor's responsibility is to see
how much do you care you took on your property
or on your goods or whatever you ensured. In terms
of securing it, it's similar to having something You leave
something outside your door and it's in your compound, but

(51:07):
it's not secure it and somebody picks.

Speaker 5 (51:09):
It and takes it, and you say, oh.

Speaker 4 (51:11):
It's insurance, I clave insurance on it. But the fact
is that there was an ability of having that in
your house rather than leaving it outside. Well, it's it's
not a it's not a it's I would say, a common.

Speaker 2 (51:23):
Sense not if your jewelry box is sitting open on
in the middle of the driveway right beside the gate,
then it's not assured as opplosed to if it's in
your room and locked up. Yeah. Now I've got a
question for you, Sharma, just quickly. So what about a
total idiot like me, for example, who sourable? Yeah, so yesterday,

(51:48):
whilst driving out of the car park, I smashed up
the back door of my car and on on a ballard.
And it's the second time I've done that this year
in the car. That's could you argue that I'm too
much of an idiot to pay out insurance because I've made
the same mistake twice?

Speaker 4 (52:07):
So there was Those things are debatable. I think you'd
get a you'd get a favorable insurance claim out of that,
because it's, uh, it's it's the time of the day,
you're actually coming out, what was the you know, you
were conscious, you didn't have any alcohols so to say,
or you were really in the right state of mind

(52:28):
to drive and it's an accident. Yeah, so those things, Yeah,
you know, I could see the insurance looking at that
quite favorably that it can happen.

Speaker 3 (52:38):
Matt talked about a myth a little bit earlier on
this our shama about driving barefoot. I'll take it your
shoes on when this this accident happens. Absolutely, yes, that's good.
Is there is there such a thing as is not
being insured if you're not wearing shoes where you're driving. No,
not at all all right, so you say, not.

Speaker 5 (52:54):
A lot of my knowledge at all?

Speaker 4 (52:56):
That nothing. At the end of the day, there's no
real there's no real uh written policy that suggests that
what you're what you.

Speaker 5 (53:07):
Were drive, Who disqualifies you for my cover?

Speaker 2 (53:11):
Thank you for your cool sharma.

Speaker 3 (53:12):
Yeah, great cool.

Speaker 2 (53:13):
You can wear those diving flippers heavy days.

Speaker 3 (53:17):
Oh one hundred and eighty ten eighty is the number
to call if you've recently buttered heads with you insure
a claim you thought was going to be accepted. Love
to hear from you. Nine two nine tools the text number.

Speaker 2 (53:27):
This TEXTA says for clarification insurance companies rob us. That's
from Steph.

Speaker 3 (53:32):
Yeah, that's pretty clear. It's twenty three pars due.

Speaker 2 (53:35):
Here's a question, what if your home could buy your
next one? Sounds impossible, right, but that's exactly what we
thought until we talked with the Staircase crew on their podcast,
they've helped thousands of Kiwis use the equity in their
homes to build wealth through smart property investing. No tracks,
just real numbers, real strategy and a team that actually
knows what they're doing. And the best part is they

(53:56):
explain it in plain English. You don't have to be
a finance nerd to get it. We got into it
on the Alternative Guide to Property Investment on the Staircase podcast,
The Myth, the Mistakes, the mindset shift that turns your
home into your first investment tool and when we say we,
I mean me. The podcast stars Matt Heath. We covered
it all, where to start, what to watch out for,

(54:18):
and how to build a plan that works for you.
Go check it out on iHeartRadio or find it at
Staircase dot co dot nz. It's eye opening stuff.

Speaker 6 (54:31):
Matt Heath and Tyler Adams.

Speaker 1 (54:33):
Afternoons call OH eight hundred eighty ten eighty on news
Talk ZB twenty six past two.

Speaker 3 (54:38):
We're talking about insurance claims. Have you ever butted head
or come against an insurance claim that was rejected when
you thought it was going to be sweet airs Oh
one hundred and eighty ten eighty some.

Speaker 2 (54:47):
This is a Texter that's Look, this is what they've
said about my little accident with the back passenger door
of my car. Okay, insurance aren't stupid, and they smell
a rat who's trying to take them for a ride.
And it's not their first claim by the sound of things,
which would also raise a red frag. There you go. Yeah, okay, No,
it's a legitimate and it'll all be on cameras downstairs.

Speaker 3 (55:10):
Yeah, and it was an accident. You can have an
accident more than once in your life. Yeah, I mean
there's a difference between being an idiot and having an accident.

Speaker 2 (55:17):
You can have an accident more than once in six months.

Speaker 3 (55:19):
Yeah, that's six months. I one hundred and eighty ten
eighty is the number to core. If you can't get through,
keep trying. Get a Roger.

Speaker 12 (55:28):
Good, Hey, how are you? I think you'll probably find
his premium might go up. Who he's had a couple
more accidents, you know, he's a regular person having an accident.
But with that guy with the car, I think he
was an idiot doing what he did. But see if
he had the stuff in a lock car up his
driveway with lockgates in this gare oat with a locked
garage door and it got broken into him stolen. I'd

(55:50):
say the chances of them getting paid that would be
very good. Yeah, And I found out for me, I've
had my same broke. I've got a broker for the
last probably thirty five years. And the thing I've noticed
over the years is years ago that claim probably would
have taken twenty years ago, they probably would have accept the
claim now because there's so much fraud out there that

(56:11):
tightening up. And even my broker, when I'm talking about stuff,
you might say, look, if you've got a crapy old
lock on the door, put a dead lock on it,
if you if you can put a camera up, put
some cameras up, if you can do, the more you
can show the insurance coming you're doing to protect yourself,
the better chances are of you getting a claim. And
then I have had a few claims and what I've
actually done with the broker, I've actually got him to

(56:33):
word my claim form because again he said, you've got
to be careful how you even word the claim form,
because again you know it's not like lawyers looking at it.
But again they don't want to be paying out too
much of insurance because you know they're doing day so
they're going to look at that claim for me, yours
be able to find toothcamb So again, I've had my
brakelader boats sink, had a house fire, so I got

(56:56):
my broker to I just rung on and said, house
half burned down, saw me out, you know, So he
saw everything out for me. He showed me what to
write down, what words to say and not to say.
And I'm I've never had a problem in thirty five years,
and I still haven't had a problem. But he's very helpful.
Just a quick conversation. And every year we go over
my policies and these are increases, all know, it increases,

(57:20):
but the terms and that inside can change. You've got
to be aware of those as well.

Speaker 2 (57:25):
Yeah, And I mean, I guess getting signed off by
the insurance company probably helps if you're being honest as well.
I mean, but you know, even it kind of makes
sense to put all all those kind of precautions in
place anyway, I mean, obviously makes sense, right, as many
precautions as you can, because you want your stuff not
to get stolen and you want your house not to
get broken in, and you didn't want to not talk

(57:46):
to the insurance company if you can help it, because
it's just a pain in the ass.

Speaker 12 (57:50):
Yeah, so absolutely so again, my broke has been so helpful.
Even when my house burned down, he helped me. I
went to a motel for I think nine weeks, which
the insurance can be paid for. My dog went into
a kennel. They paid for that. A lot of my
stuff was destroyed.

Speaker 5 (58:07):
I've got to replace.

Speaker 12 (58:08):
There was even some stuff they had smoke damage, and
they got to dry clean some of my clothes. So
it was very, very helpful, and I just regree and
go what I do about this?

Speaker 3 (58:16):
Oh, really, when you need them, they voue aren't they?
But Roger, for example, under my insurance policy for my car,
it states that I park it at night in a garage,
and I just wonder for you know, for one night,
for whatever reason, I don't park it in the garage,
and that night it gets broken into and stolen, and
then they don't pay out to me. That's a bit
unfair that that ninety nine percent of the time I

(58:37):
put it in the garage and then this one time,
for whatever reason, there might be stuff in the garage.
I didn't have that in there. You see what I'm
saying that that wasn't really a slip up. It was
just that one time where it was on the street
and I got unlucky. But that's what insurance is for, really.

Speaker 2 (58:50):
Isn't it.

Speaker 6 (58:51):
Absolutely?

Speaker 12 (58:51):
Absolutely? But again in this day and age, even myself,
if I'm driving around, you know, sometimes I'll say, oh,
I've got to go down to the money machine and
get it. It's eight o'clock. I won't go down tonight,
it's too late. I'll go down tomorrow. It's just been
aware of your surroundings and what you're doing. Or shall
I put their car down there? Or do I just
park it in the lights there and I'll walk the

(59:12):
extra half a k or something. So it's been aware
of what's out there, and that's what insurance companies are
looking at as well. And if they can wiggle out
of a claim, they generally will. So again I found
that I've never really had an issue with claims because
I've had my broker. But yeah, there are some silly
ones out there, and like say, but there are some
silly people out there as well. So hence the balance

(59:33):
that the insurance companies are trying to find but unfortunately
most of the balance stay fine. We disagree with.

Speaker 2 (59:40):
Yeah, thank you so much for your call a Roger. Yeah,
I lost my late mother's diamond and platinum engagement ring,
says Sally, and which was valued at four five hundred dollars.
I had put a claim in giving them a valuation
certificate for the ring. However, they would only pay me
two thousand dollars as I did not lodge the valuation
certificate with my bank, who pay my insurance every month.

(01:00:02):
I did not realize you had to do that. I
thought the valuation certificate would be enough to add insult injury.
They then told me that the ring had increased in
value to nearly ten thousand dollars. So the moral of
the story is tell the insurance company when you do evaluation,
or your bank, whoever pays the insurance. Yes, Sally and Yeah,
that sucks.

Speaker 3 (01:00:21):
I can see why the insurance companies want that, though,
because that changes your premium. Right, if you've got you've
got something valued for I don't know, two k, you
pay a lower premium for something valued at ten k.

Speaker 2 (01:00:32):
This Texas is curious. Read your flirtation with the Ballard.
Do you have to pay to have it repainted, Juliet.
That's a good point that Bollard did paint my car. Yes,
this big quite a lot of yellow paint on my car.

Speaker 3 (01:00:45):
I'm looking forward to seeing it all right. I'm going
to get down to the garage soon.

Speaker 2 (01:00:48):
I might go down there and put a lick of
paint on it before the building manager has a lot.

Speaker 3 (01:00:53):
Good call. It is twenty eight to three headlines coming up.
Then taking more of your calls about insurance snaf foos.

Speaker 16 (01:01:00):
Back in a month, US Talk said the headlines with
blue bubble taxi, it's no trouble with a blue bubble.
A new report's advising the government to take a new
approach to tackle worsening organized crime and recommends a dedicated
minister for the issue. Primary School Principles have agreed to
a pay deal. More than five hundred members of the

(01:01:22):
Primary Principle's collective bargaining union support a payoffer. Career firefighters
are back on the job after striking for an hour
to day calling for safer equipment, better working conditions and
fair pay. Meanwhile, Health Minister Samen Brown's confirmed a law
change could be on the cards if no solution to
pay disputes with doctors is found. Wellington councilor Ray Chung

(01:01:47):
has been re elected with a margin of just forty
five votes. Chug ran a controversial mayoral campaign marred by
scandal's drummer and fallouts, and finished the race in third place.
In New Zealand's first electric test flight took off from
todong A Airport today heading to Hamilton. It's to determine
how the plane works in New Zealand conditions. Nadia versus Chelsea?

(01:02:11):
Which new cookbook will rule Key Wee kitchens this Christmas?
You can read more at Inzen Herald Premium. Macnaughto matt
Ethan Tyler Adams.

Speaker 3 (01:02:19):
Thank you, Ray Lean, and we are talking about insurance
snaff foos on the back of this couple got back
from holiday, left thirty one thousand dollars apparently worth of
designer items in the car broken into and their insurance
claim was rejected because they didn't take reasonable care.

Speaker 2 (01:02:33):
This Texas says, can you interview this thief? That must
be have been like hitting the jackpot. Yeah, I mean
if they walked across and saw that won, if it
was a crime of opportunity, I mean, that's the thing,
isn't that The insurance company's saying, maybe that person was
just walking down the road and then they saw thirty
one thousand dollars worth of watches and such in the
backseat and they thought, Jap, I wasn't gonna rob a

(01:02:56):
car today, but I'll robbed that one, dirty scum that
thieves are. It's a good haul, way better than the
usual change in the astra, says this Textter would love
to hear the emotional rollercoaster when he found out what
Luke was in the car.

Speaker 3 (01:03:08):
Yeah, if you're listening, dear thief, I love to have
a chat with you.

Speaker 2 (01:03:10):
Yeah. Tyler and Matt confusing more people than they educate
from twelve to four pm, five days a week. Love
it great show?

Speaker 3 (01:03:18):
Can we get them in the promos? A spot on Oh,
one hundred and eighty ten eighty years the number to go.

Speaker 2 (01:03:24):
Speaking of which, Andre, welcome the show. You're an ex
cop and you want to talk about Rob versus Steel.

Speaker 22 (01:03:31):
I'm an ex policeman. Actually, I find that cop word
quite derogatory.

Speaker 2 (01:03:36):
Where does cop come from? Sorry, I'll call you police,
ye explain?

Speaker 22 (01:03:40):
Yeah, I don't know, I don't know.

Speaker 6 (01:03:43):
Where it comes from.

Speaker 22 (01:03:43):
But I don't know why we get called cops. I
find it quite derogatory being but anyway, I'm just here
to help. If you want some information on what a
robbery and a theft.

Speaker 3 (01:03:52):
Is, thank you, Yeah, it'd be great.

Speaker 22 (01:03:55):
So a robberie, as they said, can only happen to
a person and it's accompanied by violence. So what the
lady said, when something being stolen, it has to be
a company with left but accompanied.

Speaker 2 (01:04:09):
With violence, right? And is that a violence a violence
on a person.

Speaker 22 (01:04:13):
Or on a person or threats of violence? So if
you're walking down the if you're walking down the road
and someone punches you and takes your wallet, it's a robbery.
If they walk past you and steal your wallet without
your knowing, that's just theft.

Speaker 2 (01:04:26):
Right, And so what about it robbing a bank? So
if you go in with armed, that's a robbery armed.

Speaker 22 (01:04:31):
And so that's a robbery. If you break into a house,
that's a burglary.

Speaker 3 (01:04:35):
Right, So there's there's no such things. Sorry, you carry on, andre.

Speaker 22 (01:04:39):
It only becomes a robbery when you're then a company
with violence. So remember years ago they had a changed
the home invasion, So that was when those people were
killed on that farm. They were tied up and beaten.
I think the wife was. They changed the law, so
there is now that if you do break into a house,
that then becomes a home invasion. But you have to

(01:05:00):
break into the house and you have to meet you know,
into the house, and then you have to steal something.

Speaker 3 (01:05:06):
Right, that's just a burgary. So there's no such thing
is aggravated theft.

Speaker 22 (01:05:11):
No, well, well yeah, but that's aggravated robbery, is what
you'd say.

Speaker 2 (01:05:15):
Right, that's funny. I've never this is I've been speaking
this language my whole life, well you know, since scream
to the TV.

Speaker 22 (01:05:23):
So the term robbery is thrown around. But there has
to be a company. So the same thing as that
to steal something that it has to have a value
and it has to be cabled being moved, if that
makes sense. So you can't steal ear and if you
just break into a car, you just break into a car.

Speaker 2 (01:05:40):
So I've been accused of being an oxygen thief before.

Speaker 4 (01:05:43):
So there does that make sense?

Speaker 2 (01:05:47):
It does, Yeah, it makes sense.

Speaker 3 (01:05:48):
So that that teaster was right rob that I got
the terminology wrong when I said they robbed the car.
They didn't really rob the car. They stole items from
the car.

Speaker 22 (01:05:55):
Yeah, they just broke what we used to say, you
just broke into the car. Yeah, your car is broken into,
your house is burgled. Here's one for you. I mean
the thing the other day with I remember when St.
Peter's house had that, you know, I had the crowbar
smashed in the window. Yes, Where they're going to charge
the guy burgery, Well, I find out difficult because to

(01:06:16):
meet the ingredients of burglary you have to break something.
You have to enter with intent to steal something. Yeah,
so they haven't haven't broken into the house. They didn't
commit a crime.

Speaker 6 (01:06:25):
In the house.

Speaker 22 (01:06:26):
I mean, that's what I mean. That's what when you
speak law. You have to come across and you have
to get all these things right. So, you know, you
and you break into a car, you burger and burger
ows a house, or you something that's stolen from you.

Speaker 3 (01:06:41):
Makes a lot of sense, yew Andre.

Speaker 2 (01:06:42):
Going back to the original thing at the start, about
twenty five people texted in and said COP stands for
constable on patrol that used to be on badgers see
p right, But also that so that's one theory. But
people don't really know. And the other theory is it
comes from you know, when you copp a fine. Yeah, yeah,

(01:07:02):
true that so people used to cop fines or copper
charge and so cops started being so they started calling
people coppers.

Speaker 3 (01:07:10):
Yeah.

Speaker 2 (01:07:10):
So there's two possible theories. But you know that's not
what you want to be called.

Speaker 22 (01:07:14):
So well, yeah, I'm long gone, but I always find
it that I find it we were always caused cop
by people that didn't want to be speaking to the police.

Speaker 3 (01:07:25):
Yeah, yeah, very true. Andre, that's great.

Speaker 2 (01:07:27):
Hey, thank you so much for clearing up a couple
of issues.

Speaker 3 (01:07:30):
Yeah, thank you very much. Nine two nine two is
the text number.

Speaker 2 (01:07:34):
The six is I don't want to go on the radio,
and please don't use my name, but I work in
insurance every day. In my experience, if you shout loud enough,
you get the cover.

Speaker 3 (01:07:43):
Yeah, good to know. Keep those teats coming through on
nine two nine two, nineteen to three. Are also taking
your calls on oh eight hundred and eighty ten eighty.

Speaker 1 (01:07:51):
Matt Heath, Taylor Adams taking your calls on oh eight
hundred and eighty ten eighty. It's Matt Heath and Taylor
Adams Afternoons News Talks.

Speaker 3 (01:07:59):
Envy sixteen to three. We're talking about insurance claims. Have
you ever had a claim denied? And why I love
to hear from you.

Speaker 2 (01:08:05):
This specif makes a good point. Can't be hated by
all the police. Look at their advertising. Oh eight hundred
new cops.

Speaker 3 (01:08:11):
Yeah, very true, good spotting. This is nice sticks as well.
Get a guys. My car got broken in two years ago.
They went through all my CDs and they didn't take
any of them. I'm still trying to get over at grants.
That is good.

Speaker 2 (01:08:24):
I used to have a job of back in the
day when CDs were all valuable. My job at Real
Groovy Records is when people got their houses robbed or
the cars robs of CDs to put the collection back together. Yes,
and they'd always have an obscure pressing of a cure
album that you could only import from Japan. It was
like it was. It was probably the most complicated job

(01:08:46):
I've ever had.

Speaker 3 (01:08:47):
Yeah, that is fullawed.

Speaker 2 (01:08:48):
You had to become basically a detective to find out
where this weird rear pressing that may or may not
have been in the collection. But they probably always just wanted.

Speaker 3 (01:08:58):
Very good Lee, you forgot a insurance get it kureda
what happened to you?

Speaker 23 (01:09:05):
Well, yeah, I'm just interested in some feat that I
went and parted the car park at Countdown and Countdown
and someone had hit my car, big accident. They were
able to record it and find the person on their
sect footage, but couldn't give it to me. They had
to give it directly to the police, who didn't follow
it up because it's not something that they follow up.

(01:09:26):
But that was the reason I had to pay an excess,
because I couldn't get an agreement when the person that
hit it without being able to identify it. And I
was like, does this feel wrong?

Speaker 9 (01:09:36):
Because I did.

Speaker 23 (01:09:37):
Everything I could to give to lead them to the
person that did it, but it's not it's not something
that the police will follow up.

Speaker 11 (01:09:44):
So the insurance charged me the excess.

Speaker 2 (01:09:46):
Right, well that does that does not seem fair And
the insurance company can't get the footage from the police.

Speaker 23 (01:09:54):
So yeah, the police don't follow these things up. So
you just end up being the person in the middle
while you're trying to support the process.

Speaker 3 (01:10:01):
And I'm just so clarifoy forgive me. But so you
had the accident and the police were called involved, but
you didn't manage to get their details. So at that
point you were behoving to the police to provide that
detail to the insurance company.

Speaker 23 (01:10:17):
No, so what happened why it was a hit and
run and the cowntown had the footage but couldn't provide
it to me personally, but provided it directed to the police,
and the police don't follow it up because obviously.

Speaker 4 (01:10:30):
It's not you know, they've got more important things to do.

Speaker 23 (01:10:33):
But because of all of that, So the insurancy to me,
because I didn't get an agreement with the person that
did it as to responsibility, I had to pay the access.

Speaker 2 (01:10:44):
It doesn't happen, right it fear you're the victim there?

Speaker 3 (01:10:47):
Yeah, I think the onus is on the insurance company
there to find that footage.

Speaker 2 (01:10:49):
That's also annoying. Yeah, I'd yell at them absolutely, Actually,
poor person working at the desk.

Speaker 3 (01:10:56):
Raisor ruckers with the insurance company, I yell at them. Oh,
one hundred and eighty ten eighty is the number to call.

Speaker 2 (01:11:01):
Two hundred and fifty twenty five thousand liters water tank
exploded wouldn't pay out because it had a hard plastic
pipe coming out at the bottom into the ground said
didn't have a flexible hose for first couple of meters,
so no claim.

Speaker 3 (01:11:13):
Oh that is devastating.

Speaker 2 (01:11:15):
Yeah, Craig, welcome to the show.

Speaker 15 (01:11:19):
Yes, hello, Hey, I had a similar experience to the
lady that was just on the phone about the car
accident where she wasn't at fault but got stung with
the excess.

Speaker 3 (01:11:27):
Yes, yes, hello.

Speaker 15 (01:11:29):
I was t boned right like I was driving on
a fifty k road. Car pulled out to do a
YouTube and right into me, so it was real clear
that there was no way I could be at fault.
I got the number plate, four four letters of the
number plate, but I also got confirmation of where the
car had because it was a hit and run right,

(01:11:50):
so they didn't stay and I got it. I got
an address, but when the police followed it up they
said it was a gang house. They weren't prepared to
go any further, and I had to actually fight to
not pay the excess because they weren't prepared to follow
it up with the third party. Out of I'm assuming
to themselves again member exactly exactly, they weren't really probably

(01:12:15):
supposed to tell me. That was the reason I think
the lady sort of said a bit much on the phone,
but it gave me the green light to say it
wasn't my fault. But I still had to escalate it
and get them to do it as an exception. So
if you don't, because the third the person that fault
has to actually accept fault. They don't have to just
be identified. They have to accept it. And that's why
you usually get them to do it when the police
are there with the police complained.

Speaker 2 (01:12:37):
So if you have all the evidence in the world,
like video evidence that you can show the insurance company,
that doesn't count unless the person admits its.

Speaker 15 (01:12:50):
It requires the police to go round and get that statement.
And if they're not prepared to do that step, then
it's not technically not a third party that's claimed fault.
So it's a it's a disconnect between the law following
up on a minor I guess infringement and the insurance
and industry going, well, there's actually not a third party.

(01:13:11):
We can put a name here, so it's your fault.

Speaker 2 (01:13:13):
So isn't the sure isn't there isn't there a part
of the insurance company that follows up.

Speaker 15 (01:13:17):
Definitely yep, But they just basically weren't getting any information
from the police. So I actually went and followed up
with the police three or four times. They lost my files.
It's a bit of a joke. I know they've got
more important things to worry about, but it shouldn't be.

Speaker 2 (01:13:33):
But if you talk about if you talk about more
important things to do, any reason to harangue gangs? Would
you know if a gang member t bone someone and
there's and then there's reason to go and hassle them
and potentially find something else out, you'd think that the
police would jump on that, right.

Speaker 15 (01:13:52):
Oh yeah, but they are not in charge of the town.
They don't you'll follow up any of those kind of things,
which is why they probably keep doing it.

Speaker 2 (01:14:00):
What about the old days with.

Speaker 15 (01:14:01):
The person driving away and didn't look like the Carls
the first accident they'd been in.

Speaker 2 (01:14:05):
What about the old days with the old front end
Londa through the front of the gang?

Speaker 3 (01:14:10):
Awesome?

Speaker 12 (01:14:10):
Hen I want?

Speaker 15 (01:14:12):
I want to be about ball bars on my car
that would probably have helped.

Speaker 3 (01:14:16):
Yeah, yeah, absolutely could have could have.

Speaker 2 (01:14:19):
But but you got paid out in the end, Craig,
without having to pay the excess just by making a ruckus?
Is that correct?

Speaker 15 (01:14:24):
I did but it was a point that seemed to
be it was an exception and it shouldn't have been
the rule.

Speaker 2 (01:14:29):
Yeah, yeah, well thank you you cool Craig.

Speaker 3 (01:14:31):
Yeah, well glad they got sorted out. Yeah, very complex.

Speaker 2 (01:14:34):
I hope the ballot I hit yesterday asn't a gang member.

Speaker 3 (01:14:38):
That would be awkward. Right, there's nine to three D
eighty ten eighty is the number to call the issues.

Speaker 1 (01:14:45):
That affect you, and a bit of fun along the way.
Matt Heath and Tyler Adams afternoons used talk.

Speaker 3 (01:14:51):
Said, be very good afternoons you seven to three. We've
been talking about insurance snare foods or claims that you
made that weren't accepted by your insurance company.

Speaker 2 (01:15:00):
This says lads, great hour, but pretty concerning. How many
people know absolutely nothing about insurance? Marat of the story
getting insurance broken? Most of the stories told this afternoon
would be a piece of cake to resolve. Cheers Jason, Yes,
I'm an insurance broker.

Speaker 3 (01:15:13):
Yeah, nice self sourcing there, thank you very much.

Speaker 4 (01:15:16):
Good as Steve hi mate story here how the insurance
company was connected to my body? Yep, please okay, so
here with the event Toles came off Wood and win
and he's some damage made of claim claim accepted. The
guys going to start on a Monday. Unfortunately, myself and

(01:15:38):
my wife are off on holiday. Contacted the insurance company,
I said, this is what's happening. Are you a believing
that the keys and they get on with it, and
they think yes. Following Mondays, we're two weeks into the
one week and the holiday fire. Monday, get a call
from the neighbor garage stores open car's gone, are wandering,
all the TVs, freud and freeze and food has been

(01:16:00):
cleaned out, all the booz's gone, basically trashed. How long
story short, The builder left the care outside underneath a
rock for the painters coming. One of the apprentices or
laborers went down the pub Sunday night told us mates
went around there and filled the whole lot of the
car with all the gear, TVs, etcetera. Which was very

(01:16:25):
easy to find out because they talked, we've got arrested,
et cetera. Put a claiming for all the food and
all the booze and all that. And the first thing
investigator said that the insurance company takes no responsibility.

Speaker 2 (01:16:39):
How come because they said.

Speaker 4 (01:16:43):
They didn't weren't going to take any responsibility. So you
blurned the face faith and they stuck the toism. So
they said, okay, if that's the case, they're not paying
any excess. If we need tradesmen coming around, put the
cleavers on the walls, et cetera, you can pay part
of that. In second, what I claim on my claim,

(01:17:03):
not going to question it, and they just went radio
silence and everything I put down which was the truth.
But because my wife worked to a liquor importer, we
bought bulk or it was on the treet and a
half a dozen bars akli eseeture. It's probably a normal

(01:17:24):
claim when it get paid out or we don't have
some invoices, but they just refuse to accept any responsibility.

Speaker 3 (01:17:32):
That's horrendous. Did it get sorted out in the steel
in the end step, We've only got twenty seconds here.
Did you get a resolution?

Speaker 4 (01:17:38):
Yes? I got everything I claimed for all my tools, TVs, booze, clothing,
food and a freezer. It came to about five to
six thousand dollars.

Speaker 3 (01:17:50):
That is a crazy story, Steve, but glad it got
resolved in the end. Far rout. We're going to carry
the sign actually, because so many people have been calling
through and we've got hundreds and hundreds of tecks, so
keen on your stories. I had one hundred and eighty
ten eighty insurance snare foods or claims that you've tried
to make and it was rejected by your company. That
is you. We'd love to hear from you if you
want to send a text more than welcome. Nine to

(01:18:12):
nine two is that number? New sport and weather coming up.
Stay right here, we'll be back soon.

Speaker 1 (01:18:17):
Talking with you all afternoon. It's Matt Heath and Taylor
Adams Afternoons news Talks.

Speaker 3 (01:18:23):
It'd be afternoons seven past three, happy hour on a Friday,
Great debut company. As always, we have been chatting about
insurance and neat foods. Times you've tried to make a
claim but the insurance company has said nap for whatever reason.
So many stories have come through over the last hour.

Speaker 2 (01:18:40):
Yeah, yeah, so many stories. And actually simultaneously I'm trying
to make an insurance claim on my laptop here for
a little me meets Ballard yep in the parking area.

Speaker 3 (01:18:52):
This job is all about multitasking, so it's good if
you can get that done before end of close on Friday.
That's a good thing to do.

Speaker 2 (01:18:58):
But before you ask her, wasn't multitasking when I was driving? No, no,
one point. The ballard just jumped out of nowhere. I
think the ballard had been drinking.

Speaker 3 (01:19:09):
Yeah, yes, all right. Oh one hundred and eighty ten
eighty is the number to call if you want to
send the text more than welcome nine to nine two.
Let's get into it. But right now it is a
past three. Every Friday on Matt.

Speaker 2 (01:19:22):
And Tyler afternoons on News Talks, 'd be we name
the New Zealander of the week and honor the weaverstove
to a newsmaker who's had an outsized effect on our
great and beautiful nation over the previous seven days. As always,
there'll be two runners up, but only one winner. Without
further pissing around, this is the most significant New Zealand

(01:19:45):
of the whatever award.

Speaker 3 (01:19:46):
In New Zealand.

Speaker 2 (01:19:47):
Who will it be? A second runner up also gets
the Great Breeder Award Left School of fifteen twenty seven
years in Parliament seven is PM eight Kids, Ambassador of
the US, Head of New Zealand posting Kiwibank stabbed in
the back by the ship but never Bitter, lovingly known
as the spud Ip.

Speaker 3 (01:20:09):
Jim Bolger, thank you for your service.

Speaker 2 (01:20:11):
You are second runner up for New Zealander of the Week.
The first runner up also gets the Striking Results Award.
New data from Education Minister Erica Stanford Destructured Literacy Program
shows a strong lift in early reading skills, with the
share of new entrant students meeting or exceeding expectations jumping

(01:20:31):
from thirty six to fifty eight percent for actually learning
how to read for once. New entrance Kiwi Kids, You
are first runner up for New Zealander of the Week
and a new entrant Keewi Kids who can actually read
for once. If for whatever reason, the winner cannot fulfill

(01:20:52):
their duties as New Zealander of the Week, you'll be
asked to cut the sashes and ride the floats associated
with this coveted award. But as I say, there can
be only one. This is Hugh first scene in Byron
Bay nineteen ninety one, one of only four in the
World Star of the twenty eighteen Commonwealth Games opening ceremony

(01:21:15):
on the Goldie and now spotted off Kai Kora. This week,
you have made the right choice and up sticks to
the greatest little country on planet Earth.

Speaker 3 (01:21:24):
It's great to see one coming back.

Speaker 2 (01:21:26):
The other way. You beg dirty barnacle backflipping old white
ossie humper. Welcome to your new home, Mongoaloo.

Speaker 3 (01:21:36):
No harpoon for you. You are the mad in Tyler afternoons,
you celander of the week. Take it away.

Speaker 2 (01:21:43):
Howie Morrison.

Speaker 6 (01:22:20):
His talk sa'd be very good.

Speaker 3 (01:22:21):
Afternoon, Jive. It's thirteen past three and we are talking
about insurance. When it went wrong for you. You tried
to make a claim, thought they were going to green
light it, and they said nap.

Speaker 2 (01:22:31):
Here's a story from Emma. We had a house fire
last year and all the doors were broken from the
firefighters kicking in the doors. Long story. Short doors went
first fixed first, so the house was left vacant and unlocked.
Someone broke in dirty stole all the copper wiring and
piping from the place, and the house needed an entire rewire,
and insurance company told us we needed to pay another

(01:22:51):
excess as the rewire was separate to the fire claim.

Speaker 3 (01:22:54):
It sucks.

Speaker 2 (01:22:55):
We kind of scumbag, And I know there's lots of
scumbags out there, but rob's a house that's already been
hurt by fire. It's low kicking people in there down.
We refused and said many times the doors need to
be fixed. First, they didn't charge us for the X
after we threaten to take them to the media. Bear
in mind we just lost every single blonging we'd owned
from the fire too. That's a really rough story.

Speaker 3 (01:23:16):
Yeah, that is rendous from the insurance company.

Speaker 2 (01:23:18):
I mean, you're already dealing with the fire and losing
this stuff and probably some stuff that's really important to you,
and of course you love your house, and then some
absolute turds come in and steal the copper wiring and
just make it. Yes, some people that.

Speaker 3 (01:23:33):
Are super low.

Speaker 2 (01:23:34):
Yeah, and the hasering isn't tasering's too good for some
people nicely said Oh eight hundred and eighty teen eighty
is the number to call, Colleen, Welcome to the show.

Speaker 23 (01:23:44):
Oh.

Speaker 9 (01:23:44):
Firstly, guys, I've got to say, I really enjoy your show.
You have so many different programs coming through all the time.

Speaker 4 (01:23:54):
It's really informative, Colleen.

Speaker 2 (01:23:56):
Colleen, can I say I really enjoyed you saying that?

Speaker 3 (01:23:59):
Thank you?

Speaker 9 (01:24:01):
Because you're funny too. You've got this character, you know,
your bloody characters.

Speaker 2 (01:24:06):
What a nice thing to say on Friday. Thank you?

Speaker 9 (01:24:09):
No, well, it'll make your weekend better. But I genuinely
mean that. Obviously, I don't mean to blow smoke up you.

Speaker 3 (01:24:14):
You know what, You're welcome any time you keep calling us.
This is great.

Speaker 9 (01:24:19):
Oh okay, get the smoke, get the smoke, prong going please?
And that guy that did like then call cops. I'm
married to one. And honestly, that poor guy, he needs
to get over himself. Anyway, moving on.

Speaker 12 (01:24:35):
Right, moving on.

Speaker 9 (01:24:39):
It's a nice on the afternoon, isn't it changed the subject?

Speaker 3 (01:24:42):
Beautiful?

Speaker 9 (01:24:43):
When when I just did, when you do your insurance
to ensure your house, I had never asked a question
until a few years ago when they said, oh, do
you have an alarm? And I said yeah, okay, And
I said, why would you ask that? And she said, oh,

(01:25:04):
well you get a discount if you've got an alarm.
Oh okay, sure, okay, call that's great. But you said
there is there is a proviso that if the alarm
isn't told me and you're burgled, you're unlikely to be
able to make a claim.

Speaker 2 (01:25:18):
Ah right, But if you didn't have that, I guess
because you get the discount. But yeah, so once you're
getting the discount and then you've got the alarm, it's
you've got to remember to put it on. Yeah.

Speaker 9 (01:25:27):
Well yeah, so if you go racing up the door
and you to get to put the alarm on and
that's the day that you get burgled.

Speaker 12 (01:25:33):
Good luck with that.

Speaker 3 (01:25:35):
Yeah, I mean that is a yeah, it's a it's
a difficult one, but it makes sense. I suppose if
you are getting you know, you're not paying Yeah, you're
not paying as much on a premium. But it's a
good tip because how many people out there with alarm saying, ah,
don't need tom just nipping down to the dairy and
then boom they get done over.

Speaker 9 (01:25:50):
Exactly And that's of course those opportunities burglars. I mean,
that's exactly what they're looking for. Our door that's unlost
or whatever.

Speaker 2 (01:25:57):
Yeah, thank you so much for your call, Colleen, and
you ring in and blow smoke up our butts anytime
you want. We enjoyed it.

Speaker 3 (01:26:04):
We love that. A go next week please do yeah,
same time, same place. See here Coe and you too.
You have a good Friday. Plenty of ticks coming through.

Speaker 2 (01:26:14):
Some feedback on the new Zealand of the Week. They
are not barnacles on whales here growths a throwback to
when they were land animals.

Speaker 3 (01:26:22):
No push back. Okay.

Speaker 2 (01:26:25):
Many species, particularly filter feeding bileen whales like humpbacks and
right whales have barnacles. These whale barnacles, especially those species
that attached to the whale skin, and the relationship is
generally considered uh what do you call it up when
you work together symbiotic. Yeah, meaning the barnicles benefit by

(01:26:48):
getting a free ride and the whales helps with wales
stop and getting infected.

Speaker 4 (01:26:54):
Yeah.

Speaker 3 (01:26:55):
Good. And anyone questioning how heavily are researched the New
Zealander of the Weeks, you know, there's a lot of
work that goes into the research for that segment.

Speaker 2 (01:27:02):
So and for those people that are saying it's a
little bit unfair that Jimbolgia didn't get the New Zealand
of the Week, it's just that we've had dead guys
winning two weeks in a row. Yeah, so it'd be
three weeks in a row with the dead guy and yeah,
it was just getting a bit like if you die,
you'll be in New Zealand of the Week. Yeah, but
you know, Great Great New Zealand.

Speaker 3 (01:27:20):
Great New Zealand d and he got runner up, So
you know the helmsman deserved a fantastic man. Siah, how
are you?

Speaker 14 (01:27:27):
Oh good?

Speaker 24 (01:27:27):
Thank you you.

Speaker 3 (01:27:28):
Now you've got a claim that's been processed as we speak.

Speaker 25 (01:27:33):
Yes, I have a little bit of it right really,
I ensure with FMG and twenty fourteen we had an earthquake,
so I claimed. Eleven years later we had another earthquake
and because the damage to my house was in the
same place as the last earthquake. Now they're saying that

(01:27:54):
I can't claim.

Speaker 2 (01:27:55):
What's the logic there? So it got fixed? But is
there a lightning strike kind of rule you can't have
you can't have the same thing affected. But because that
doesn't make any sense to me, No it doesn't.

Speaker 25 (01:28:09):
And I liken it to a car. If you get
whacked on the right hand side door and ten years
later you get wacked on the right hand side door again,
what's the difference.

Speaker 2 (01:28:18):
Yeah, Well, well, Sarah, I'm just going through that right now.
As I keep saying, I smashed up a door earlier
this year, and then I just smashed up the same
door again.

Speaker 3 (01:28:26):
Yeah, that's living it.

Speaker 2 (01:28:28):
I don't know if they're going to.

Speaker 25 (01:28:30):
Yeah, so they're saying that the earthquake between that claim
and disclaim, apparently my house has settled a little bit
into the earth beneae.

Speaker 3 (01:28:43):
And no claim are you christ Us? Are you Sarah?

Speaker 21 (01:28:49):
No?

Speaker 3 (01:28:49):
What part of the country.

Speaker 25 (01:28:52):
I'm on the east coast right?

Speaker 3 (01:28:55):
I just I just mentioned that because I'd say fighter
is a lot of people in christ Church face that
very aspect of insurance companies saying no, you claim for
the first one, you can't claim for the second one.
And the course everyone said no, that's nonsense. Of course
you can claim for multiple when it went through the
courts and everything else, and a lot of people were
successful in that that court action. But it sounds like
maybe you need to take it a bit further, Sarah.

Speaker 25 (01:29:16):
Trust me, it's not ending there.

Speaker 2 (01:29:19):
Good on you, Sarah, you keep fighting.

Speaker 3 (01:29:20):
Yeah, good luck to you. That is a difficult one.

Speaker 2 (01:29:22):
Speaking of Napier, we're speaking of earthquakes, so that you
think of Napier, Yes, and now I only just found
out when I was in Napier over the weekend that
that whole airport area was brought up in the big quake,
so it didn't exist that that was where the airport
is in Napier. You could just sail around the boats.

(01:29:43):
And I was talking to someone that used to used
to sail around in an Optimist there. And then then
they had the mass of the massive Art Deco earthquake. Yes,
and and there you go. The land for the airport
was pushed up.

Speaker 3 (01:29:57):
Well, that's a slight bonus a massive event.

Speaker 2 (01:30:00):
A lot of Wellington was pushed up as well. Anyway,
that's that's that's off topic. High. I have had pet
insurance for years from my Roddi's never put a claim in.
Yesterday I did as my young girl was spade last
week because seven hundred wound healed well, keep the bucket
on her head and created her sighted the wound ERAa

(01:30:20):
Wednesday morning. It took it looked good Wednesday night. She
must have bumped it. The vet wasn't able to fix it,
so went to another VET and had to have new
surgery at one thy seven hundred dollars pay straight out
of their pet insurance have refused to cover this, they
told me today, despite it being a new incident.

Speaker 3 (01:30:38):
Really again, doesn't sound right.

Speaker 2 (01:30:40):
Yeah, so they've paid for the spaying and then and
then there's been an injury from the head covering coming off,
but that's considered the same thing. They won't pay out again.
That's complicated.

Speaker 3 (01:30:56):
Yeah, that is very complicated, but that sounds like you
should fight that. One oh one hundred and eighty ten
eighty is the number to call. Plenty of teas coming
through on nine two nine two, but would take a
quick break and back with more of your stories very shortly.
Twenty two past three.

Speaker 1 (01:31:13):
Matt Heathen, Tyler Adams afternoons call oh eight hundred and
eighty ten eighty on Youth Talk ZAB afternoon.

Speaker 3 (01:31:19):
We're talking about insurance and when it's gone wrong for you.

Speaker 2 (01:31:22):
I think I've been the victim of a flim flam.

Speaker 3 (01:31:25):
Okay, there's a great word, flim flam.

Speaker 2 (01:31:27):
Because the quake, the Hawks Bay earthquake, was third of
February nineteen thirty one. So as this Texas said, how
old was the person that was sailing around at an
optimus where the airport is now? They say, was it? Yeah?
Corona Bay twenty square miles of new Land from the
nineteen thirty one earthquake. So that person so to be

(01:31:49):
sailing around in an optimist what are you going to
have to be max absolute minimum five. Yea, so that's
born in nineteen twenty five. So that last person wasn't
one hundred.

Speaker 3 (01:31:59):
I think they've got you there. I've done the maths,
and yeah, it doesn't quite work out.

Speaker 2 (01:32:04):
The person I was talking to was seventy tops.

Speaker 3 (01:32:06):
Yeah, it would have been a sparkle in his old
man's I may be sailing around this miss free ocean
and I was.

Speaker 2 (01:32:12):
Like, oh wow, yeah, wood story, Yeah, oh wow, I
used to sail around here. Yeah, yeah, I've been. I've
been flim flat, flim flat, and then I've humiliated myself
on national radio.

Speaker 3 (01:32:25):
Hey, good to clear up. There's a lot of mere
colors on that.

Speaker 2 (01:32:27):
Thank goodness for nine nine two the text machine. You're
the best of pointing out when I say, stupid, Juliet,
how are you mate?

Speaker 5 (01:32:35):
Not to be there?

Speaker 1 (01:32:35):
Guys?

Speaker 26 (01:32:37):
You know minds of them? Interesting, Well, I must be
back about six years ago when we had that drought
and everybody was kind of scrub fires everywhere. Anyway, I
was coming home down a cork screw and I saw
this little little wee fire on the side of the
road there, and so anyway, shut home grabbed them back
into the water, and it came back by that stage
step to go, thrown by three times in size. Anyway,

(01:33:00):
the rist of the neighbors that come out rung the
fire department and everything else. Anyway, I was packed right
over the side. Wow, you know, obviously going forwards, getting
anyway the fire engines an.

Speaker 2 (01:33:16):
Oh no, Julian, your phone keeps cutting out and key key,
key moments. We're losing a few of your words.

Speaker 26 (01:33:25):
But the story just driving around so anyway, compared fighting
the spy on the side of the road, and anyway,
the fire engine's coming down, coming down towards us. At
this stage, I've got a neighbor who's just about to
jump into my passenger seats so that we can get
out of the way. What happens is the fire engine
comes down, swishes her down the side of my car,

(01:33:50):
denting at all and everything else. She's obviously injured, and
averyance arrives everything else. Fire department, you know, obviously. And
then you know, so I go and put an insurance claimer,
and the insurance company said, no, this won't be accepted,
and I said why I've got you know, the fire
departments said yes, oh no, hire department, Hire engines on

(01:34:15):
their way to a fire can do damage and they're
not liable, and so we don't we don't put in
claims for it. And I said, you're going to be joking,
and I don't explain further about the fact that you know,
somebody get injured as well and everything else. He said, Oh,
I've good to try it, but I don't think there's
any chance of getting through, but likely get des But
I don't think anybody knows on the way to a thing,

(01:34:39):
it's during the way your bed.

Speaker 6 (01:34:42):
Luck that is.

Speaker 3 (01:34:43):
That's crazy, isn't it. And I'm not blaming the you know,
the emergency services here. They've got to do what they've
got to do. But the very fact that the insurance
company claim now they're on their way to a fire
or a job, you're not going to get cover. It
doesn't make much sense.

Speaker 26 (01:34:57):
No, I thought it was crazy.

Speaker 2 (01:34:59):
Well, what were the injuries like for your your your
the person that was with you that got.

Speaker 3 (01:35:05):
In the middle.

Speaker 26 (01:35:06):
Basically she got kind of I suppose you call it
crushing kind of thing, kind of gave way, if you
know what I mean. That basically lucky the other exambulance there,
they just took her to the hospital and she just
basically had what they are soft injuries or something, right,
and so she was so she was on crutches for

(01:35:26):
a little while while you know.

Speaker 5 (01:35:28):
That could be broken.

Speaker 2 (01:35:29):
There could have been so much worse.

Speaker 26 (01:35:32):
Oh well yeah you don't. You don't expect that to happen.

Speaker 2 (01:35:36):
So no of that and the damage to your car
caused by her getting crushed against it by the fire engine.

Speaker 6 (01:35:44):
Yeah wow.

Speaker 26 (01:35:45):
Yeah, that's basically where the jury came in.

Speaker 6 (01:35:48):
Yeah, that's right.

Speaker 3 (01:35:49):
Yeah, So what eveens if an ambulance goes through your
house when they you know, they're on the job and
unfortunately go through your house, you buggered so long house
and there's nothing you can do. Well I supposed to fascinating.

Speaker 2 (01:36:02):
Yeah well but well I'm glad they got paid out though,
Yeah he indeed.

Speaker 3 (01:36:06):
Yeah, yeah, that is a hell of a story.

Speaker 2 (01:36:09):
Thank you for sharing.

Speaker 26 (01:36:10):
Mate out of water.

Speaker 5 (01:36:16):
Check water.

Speaker 2 (01:36:17):
Yeah right, well, I can see why that law exists,
or that rule exists. You know, it would make sense
because sometimes that the greater good. Sometimes a fire engine,
you know, a fire unit just has to smash through
a bunch of stuff to get to the fire.

Speaker 18 (01:36:32):
Yeah.

Speaker 2 (01:36:32):
Yeah, you know, if if the fire is just going
to cause that much more damage than the cars. I'm
pretty sure if you watched that movie called The Lost Bus,
Yes with Matthew McConaughey, tense. Yeah, but you've got all
those cars on the road and then people abandoning the
cars to get out of the fire, and the fire
engines have to get through these cars.

Speaker 3 (01:36:52):
And they just bump them out of they have.

Speaker 2 (01:36:54):
To smashed the cars out of the way. So this
is America. So I don't know what the rules are,
but under that those circumstances, you know, you just have
to destroy a hell of a lot of cars to
get to the fire. And so the insurance claim on
that could have been you know, millions of millions and
millions and millions.

Speaker 3 (01:37:10):
Yeah, very true. All right, taking more of your calls
on oh, eight hundred and eighty ten eighty insurance claims
that weren't accepted by the company Loved a year your story.

Speaker 2 (01:37:20):
Further to this person that's duped me. The Optimus sailing
dinghy was only designed in nineteen forty seven, so that
Chap couldn't have been sailing in one in Napier in
nineteen thirty one. Also, because he was about forty years
from being born as well. Oh this is so good,
you need a rolling text machine. This guy was at
least twenty five years from being born at that point.

Speaker 3 (01:37:39):
Massive flim flam lover. It is twenty nine to four.

Speaker 2 (01:37:41):
I mean, yes, he would have been born at least
twenty five years later. Yes, flim flam so good.

Speaker 16 (01:37:49):
Jus talk said, be headlines with blue bubble taxis, it's
no trouble with a blue bubble. A new Ministerial Advisory
Group reports concluded the fight against organized crime is too muddled,
labeling the situation dire and calling for urgent action. He
said First Leader Winston Peters is issuing an urgently to
farmers warning them about accepting a deal to sell Fonterra

(01:38:13):
brands to a French company, saying it could harm the
local dairy industry. Primary School Principles have agreed to a
pay deal. More than five hundred members of the Primary
Principle's collective bargaining union support a pay offer after negotiations
with the Public Service Commissioner forire An emergency received eighteen
calls for incidents during a one hour five fighters strike today.

(01:38:36):
None were confirmed fires. The mother of Tom Phillip's children
has joined legal proceedings around the suppression of key case details,
but at today's hearing, Justice Helen Cull has again suppressed
arguments heard in court and no changes to the injunction
are expected at this stage. State Highway One near South

(01:38:57):
Canterbury's maki Kihi will close tonight between seven and ten
to recover a crash truck and trailer unit. How high
rise living could transform Auckland, Explore the interactive and see
way new rules may shape the skyline at en, said
Herald Premium mac naw to matt Ethan Tyler Adam.

Speaker 3 (01:39:16):
Thank you very much, Ray Lean.

Speaker 2 (01:39:17):
So back to that story we had before about the
fire unit that smashed into the smeared a person's friend
across the side of his car and the insurance company
paid out yes, but initially said that any damage caused
by fire emergency services isn't paid up because they don't

(01:39:43):
take liability. Yes, it's confusing, hi guys. This text says
an ex police officer. Emergency food services are liable for
any crashes they cause. Even under red and blues. We
still had to be careful going through red lights. In
the deceptions we could exceed speed limits under urgent duty driving.
So that's interesting. This text, This is the kind of

(01:40:03):
text I never understand from people. Come on, guys, wake.

Speaker 3 (01:40:06):
Up, wake up?

Speaker 2 (01:40:08):
Who it starts a text like that? The fire engine issue.
He's talking about the claims Clark view that the fire
department won't have a third party responsibility nothing to do
with an insured car, which of course remains covered.

Speaker 3 (01:40:20):
Hayden, wake up, wake up, come on, go I'm on mate,
Get with the program.

Speaker 2 (01:40:25):
Hayden, come on, come on, you're better than that, mate.

Speaker 3 (01:40:29):
Yeah, Friday afternoon, mate, come on, get happy.

Speaker 11 (01:40:31):
Yeah.

Speaker 2 (01:40:32):
You don't want to be blasting that kind of unnecessary
negativity at the start of your text into the world.
We love you, Hayden, come on, mate, yeah, come on,
be better, be better, be better than you were yesterday.
You know today you've had a bit of a rough one.
You've sent in a strange text, but that you can
improve as a person.

Speaker 3 (01:40:48):
That is a beautiful message and we still love you, mate.

Speaker 6 (01:40:50):
Yeah.

Speaker 3 (01:40:50):
Yeah, carle let's how are you this afternoon?

Speaker 11 (01:40:54):
Yes?

Speaker 12 (01:40:54):
Good?

Speaker 27 (01:40:55):
Thank you?

Speaker 3 (01:40:55):
How are you very good?

Speaker 18 (01:40:56):
Now?

Speaker 3 (01:40:56):
You had a bit of an insurance snapho with your travel.

Speaker 27 (01:41:01):
Yep so last year myself and my daughter, where I
hadn't arranged put a meaning to Scotland, she might have
guessed yep, to the Tea family and my father, my
dad had I did have cancer and anyway we he

(01:41:22):
didteriorrated like really unexpectedly. So I had to bring my
flights forward. And I had booked all my flights through
House of Travel, and I had travel insurance through Alliance Partners,
and I was assured by how to Travel that bringing
my flights forward would be reimbursed, you know, for the
outbound flights, and I would expect with the same flights

(01:41:44):
coming back. Anyway, I was, I had to get my
dad's death cer trafica, et cetera. My dad did die
and we got there just in time, got the death certificate,
everything that the insurance company asked for. I'm still getting
emotional thinking about it. And they said that I wasn't
entitled to any reimbursement whatsoever because my dad had a

(01:42:05):
pre existing condition. That it is, yeah, pray that he
would die at some point, and obviously he would, but
no one knows when someone's going to die. And yeah,
so they told me first of all that they couldn't
reimburse me because I knew that my dad was going
to die. I didn't know when my dad was going

(01:42:26):
to die. And then I appealed and they came back
and said, oh, you were given the wrong advice. That
wasn't the reason that we declined. You should have read
your policy in the bold things and whatever, and we'll
offer you fifty dollars is reimbursement.

Speaker 2 (01:42:45):
Fifty dollars.

Speaker 3 (01:42:46):
What an insult?

Speaker 2 (01:42:47):
So what was the part in you know, yeah, I'm
sorry for what you've been through, collect and thank you
so much for bringing to that and sharing. But what
was the what was the bit and the policy that
you needed to look through and write.

Speaker 27 (01:43:00):
Just actually looked at it? It said he exist in
medical conditions. Yeah, so again coming back to that, I
should have been aware or back to that. Yeah, yeah,
so but I had a friend who comes from South
Africa and she was in a similar situation, got the
call and went over sees, stayed for a month's dad

(01:43:23):
didn't fortunately pass away, had to come back, and then
three months later had to go back. We don't know
when people are going to pass away, but yeah, it
just yeah, anyway, it was really stressful, and haven't you
give them the death certificate and all of those things,
and for them just to turn around and say, no,
you're not covered. And even though House to Travel said twice,

(01:43:45):
you know, the first time in a phone them the
second time and they pick up in new tickets, they said, look, absolutely,
your travel insurance will cover and these flights, and they didn't.

Speaker 3 (01:43:55):
So, yeah, I'm really.

Speaker 2 (01:43:57):
Sorry to hear that. It is interesting how little we
know about our and insurance. Yeah, I mean that's kind
of what started this whole conversation today, isn't it.

Speaker 9 (01:44:05):
Yeah.

Speaker 3 (01:44:06):
I ever read them, and I shured, but I don't
know the exclusions. I just thought they were just.

Speaker 2 (01:44:10):
Ensure things, because you're supposed to ensure things. Yeah, and
then hopefully, Actually, I think what happens is that I
sort of glaze over when someone's it's explaining things to me. Yeah,
because you know, like when you when you do it
on the phone, they say, just hold it on the
line and we'll read this bit out to you, and
you go, you put your phone down and you're going
to do something else, and you come back and go, yeah,
that sounding good.

Speaker 3 (01:44:27):
You know, it's three minutes. It's enough time to make
a cup of tea. But Coline, thank you very much
for sharing your story and so sorry that happened to you.
We have plenty of calls to get to if you
want to send a text nine to nine too. There's
still some texts coming through about that that great story
that Fella told you about Napier. Keep those coming through.
Oh this is Hayden again.

Speaker 2 (01:44:47):
Hayden says, come on, guys, the pointer is you let
that silly discussion run. That just makes the nonsense worse.
Hence the wake up call. Hayden. Yeah, is that do
you think that's unfair to put their voice on? Maybe
it was like this, Maybe he Hayden meant in the sticks.
Come on, guys, the pointer is you let that silly
discussion run. That just makes the nonsense worse, hence the

(01:45:07):
wake up I think it was Maiden.

Speaker 3 (01:45:09):
Yeah, that feels the right time. Yeah, and good on
you hate and see, I knew you'd get them around.

Speaker 2 (01:45:13):
That's a listen for life, especially if if you get
a text from your loved ones your partner read it
in a happy voice, not in an angry voice. That
is great advice because too often we put the angry
voice on, and we we we add meaning to a
text that wasn't there so true? So I'm going to
endeavor to read texts in a nice voice from now on.

Speaker 3 (01:45:32):
That's great. On a Friday, right nineteen to four, when
we come back, we're going to have a chat to Bob,
who's got a doozy of an insurance story that's coming up.

Speaker 1 (01:45:42):
Your home of afternoon talk Mad Heathen Taylor Adams afternoons
call eight hundred eighty ten eighty News Talks.

Speaker 3 (01:45:49):
They'd be sixteen to four and we are talking about
insurance and we're we it's gone wrong for you if
you've tried to make a claim on something you thought
was easy as the insurance company was going to pay out,
and then that it's love to hear from you. Oh,
eight hundred and eighty ten eighty. Get a Bob, how

(01:46:10):
are you, my friend?

Speaker 5 (01:46:12):
Well, this is a DJ for you.

Speaker 6 (01:46:13):
Good driving.

Speaker 5 (01:46:16):
My wife's car had my name underneath air insurance and
had a back sliding door open, and normally I would
fit through the gap if my door were closed. I
went forward at the back door that was a slide

(01:46:36):
door that was open, and that was jam once I
hit it, it was jammed open, right, so and that
was going forward and I had gotten into a slide
ditch where the front wheels will go through right by
this gate. So I put it in reverse and reversed out,

(01:46:56):
and I pulled the front bumper off, not not the
not the poles on the side of the road, but
the ditched it. So I'd done a scraper and was
going forward, put it in reverse and pulled the bump off. Anyway,
rung up and explain this to the insurance. I won't
say it was, but they were ed. But that's that

(01:47:18):
was two separate incidents, one driving forward and the other
boat was me putting it in reverse, putting it in
reverse to try and get out, and that's when I
pulled the bumper off.

Speaker 3 (01:47:28):
Yep, And he said.

Speaker 5 (01:47:29):
They said, that's two separate incidents. That's going to cost
you go over your exits.

Speaker 3 (01:47:33):
Come one hundred dollars.

Speaker 2 (01:47:38):
Surely, surely there's a time of the the lasted over
the grace period of at least.

Speaker 5 (01:47:50):
I said, I said, mate, I just put it straight
in reverse. And they said, oh, no, we don't know
about that, because you've you've done three separate incident. But
it was in the same motion. I haven't even be
the motor off.

Speaker 3 (01:48:04):
That's that's good for you, the same motion.

Speaker 5 (01:48:05):
I like that.

Speaker 3 (01:48:07):
What do they say to that, that's god?

Speaker 5 (01:48:09):
Well they thought about it. And then on top of him,
I said, well, this is the double wearing for you.
Uh my wife is actually in hospital with stage full
cancer and she is. That was she went in February
and she's still on there today. But for these people
to sort of knuck me around for a while and

(01:48:30):
this is right, you don't go put it in, we'll
still discuss it. And of course they didn't get back
to me, and I started penalty, and so we put
one hundred dollars into five hundred. Went to put five
hundred dollars in to cover it, and they tend around.
He says, not, don't worry about it. It's will put
this in as a what was it? They basically done

(01:48:53):
it themselves. They paid for it.

Speaker 3 (01:48:56):
Well, good on them. In the year they did the
right thing, Bob, for.

Speaker 5 (01:49:00):
My wife via Christopher having state full cancer. I can't
remember the name they had it under.

Speaker 19 (01:49:06):
It was the.

Speaker 2 (01:49:09):
Hardship compassion type of thing. Yeah, oh well, all the best, Bob,
and you know sorry that you guys are going through that,
and thank you so much for bringing up and ensuring
that this is a good point. This text is here, Hey, guys,
because some people are not always completely truthful, the rest
of us have to go through hoops. Always the minority
affixed the rest of us. Yeah, I mean that's the
thing right off everything, right, because you know, you have

(01:49:34):
to have insurance because some people steal. Most of us don't,
nearly none of us. There's such a small percentage of
people steal, so we all have to have insurance.

Speaker 3 (01:49:42):
You know, it's a dickead.

Speaker 18 (01:49:45):
Always.

Speaker 2 (01:49:45):
Some people scam insurance companies, so the insurance companies don't
trust the rest of us. So I don't know, I mean,
I mean, there's nothing you'll ever be able to solve.
There's always going to be some people that are dishonest.

Speaker 3 (01:49:57):
Right, Yeah, that is very true, tis sir. You've got
a bit of a funny insurance claim.

Speaker 18 (01:50:02):
Hello.

Speaker 3 (01:50:03):
Hi, Hi guys, Hey, nice to chat with you.

Speaker 15 (01:50:06):
Yeah, yeah, good a day.

Speaker 24 (01:50:10):
Yes, So recently I had to leave my dog in
my car because I was somewhere with families and there
were other dogs. I was trying to keep them separate,
and this dog she's got anxiety, and I came back
out and she had chewed to roof all of my
feet out.

Speaker 3 (01:50:28):
Yeah, yeah, that's dog is for you. Sometimes that was rough.

Speaker 24 (01:50:33):
And see me how I had full I've got a
comprehensive cover in my car. So I lodged a claim
and did dog shows through seats out need and replaced
the car into the garage and got.

Speaker 2 (01:50:43):
All that rolling.

Speaker 24 (01:50:44):
And anyhow, I ended up driving around with no seat
out for nearly two months because they just really dragged out.
And at some point you turned around and came back
and said, we don't believe that your dog choos were
the seat out. They looked cut what and you know,
like the rational person's going to go, you know what,
fair enough, they've got to do their diligence. And sure

(01:51:07):
people do fake insurance claims and stuff all the time,
but like what in this particular scenario, what on earth
is the ulterior motives?

Speaker 5 (01:51:16):
Yeah?

Speaker 2 (01:51:16):
What are you going around? You just really want a
new flash seatbouts?

Speaker 3 (01:51:20):
Yeah, now behind your own seatbouts.

Speaker 9 (01:51:23):
The implication was.

Speaker 24 (01:51:24):
Like I just woke up, I was walked out and
looked at my car and it's you know what, no,
So this will not do And like some deranged maniac
are when it picks up a blunt rock into.

Speaker 6 (01:51:33):
Packed the mall, And so did they Insurance?

Speaker 18 (01:51:37):
Did they?

Speaker 2 (01:51:38):
Did they come around?

Speaker 24 (01:51:39):
In the end, it took a little bit. And to
be honest, I think the only reason that actually except
that it was having someone on the inside. Yeah, my
case a little.

Speaker 2 (01:51:49):
I'm glad that came around. What what's what's the toddler
that we can hear in the background? What's hello? Who's that?

Speaker 24 (01:51:56):
That's Dorothy?

Speaker 2 (01:51:57):
Hey, Dorothy?

Speaker 3 (01:51:58):
How are you?

Speaker 7 (01:52:00):
Yeah?

Speaker 24 (01:52:00):
And I feel like if I left her in a
carf alone and after probably.

Speaker 3 (01:52:05):
Gets a bit boring. And then sometimes yeah, Tessa, thank
you very much for your call. Quite a few texts
coming through on nine to nine two.

Speaker 2 (01:52:15):
This one all right, Hey guys, Insurance didn't pay out
on my stolen tools out of the ute, they said,
even though the ute was parked in my garage with
the garage door lock. I left the ute unlocked. My
mistake was letting that slip. The less you say, the better.
So hang on a minute. Your tools are in parked
in your garage with the garage door locked, but your

(01:52:37):
ute's not locked. I mean the thief has already gone
through one series of locked doors. Yeah, surely that's enough,
you would think. So, I mean, you've always got to
be honest with insurance company. So Ben said there that
he was a bit too honest, and he should have
said that he locked his car. But you don't want
to lie to insurance companies because if they catch you
your bugget Yeah, I mean, you'll never get insurance again.

(01:52:58):
And it's very hard to operate in this world if
you're not allowed to get insurance.

Speaker 3 (01:53:01):
Yeah, yeah, exactly right. It is nine minutes to four.
Plenty of texts coming through, but will play. Some messages
come back very shortly. You listening to Matt and Tyler
Good afternoon.

Speaker 1 (01:53:12):
everything in between.

Speaker 6 (01:53:16):
Matt Heath and Tyler Adams Afternoons used talks.

Speaker 3 (01:53:19):
That'd be very good afternoon. It is six to four.

Speaker 2 (01:53:23):
The six says, I think you've been flim flammed again.
There's no way there's a Dorothy under eighty two. Cheers Robert.
I've got a son called Barry, and he was in
hospital and no one would believe that his name was
Barry because he's so young. But then there was a
Barry that was next to him in the in the
you know through the curtain and he was ninety two.
Well after there was a sixteen year old Barry. Barry's
coming back.

Speaker 3 (01:53:43):
Yeah, we'll pay it around.

Speaker 2 (01:53:45):
We've run out of time for insurance. Some chat, but
it was it was fantastic. Thank you so much for
all your calls and text this. Going back to a
topic at the start of the show, we did about
charities and we should put your money as from deb
Oh my life. Thank you to the generous listener who
gave a donation to the manaia Ka laney Ed Trust.
Following my call to the station, I called the account's

(01:54:07):
person and told them about our chat on the radio,
and she said that she had been notified that a
big donation had just can't been put through. Thanks guys
for letting me speak about and thanks listeners. You've just
enabled two kids to begin financing their own device.

Speaker 3 (01:54:21):
Oh good. That is amazing, isn't it.

Speaker 2 (01:54:22):
That's good. And I'm a person jumped on board and
sponsored a cad at the Variety charity as well. So
that is fantastic. Okay, that brings us the end of
the show. Thank you so much for listening. Everyone loved
the chats, love the discussion. Today. It's been a great conversation.
It's been a good old time.

Speaker 3 (01:54:40):
Yeah, absolutely it has. And we love to celebrate the
great people who call into our show, and we get
so many of them, So every week we pick a
caller of the week and this week we're having a
great chat about why it's sometimes nice to show your
appreciation to our struggling hospital industry with a good tip.
And Tessa called in to say she was a big
tipper to her petty curist.

Speaker 9 (01:54:58):
I do when they do my hoops.

Speaker 4 (01:55:00):
I makes ten bucks on top of a petticure your hoops?

Speaker 9 (01:55:04):
Did you never know they might stick a somewhere really
really sensitive?

Speaker 4 (01:55:07):
And I'm like the old kick.

Speaker 9 (01:55:09):
There's a little bit of a language barrier. Thank god
you have those new airbuds now so they can't really
talk too much about you, so you can actually understand
what they're saying. You drop on the whole conversations that's
going up throughout the song. You know, this one doesn't
get their feet done enough, no respect.

Speaker 2 (01:55:27):
How do you pay the tip?

Speaker 18 (01:55:28):
Cash?

Speaker 26 (01:55:28):
Is king?

Speaker 3 (01:55:29):
What a great caller? Yeahs, there you go, all right.

Speaker 2 (01:55:33):
The Mighty Sir Paul Holmes Broadcast of the Year heither
do with thee Islan is up next. But Tyler, why
am I playing this song here?

Speaker 10 (01:55:39):
Uh?

Speaker 3 (01:55:40):
Give me the name.

Speaker 2 (01:55:42):
If I give you the name, it'll give it away.

Speaker 19 (01:55:44):
Andrews whisper of my year. It's called the Crash Primates.
Is that right, no Ah? The band is called the
Crash Primates. The band is called the Primitives, and the
song is Crashed.

Speaker 3 (01:55:56):
Oh fantastic because we had such good calls about insurance
snare foos.

Speaker 2 (01:55:59):
Yeah, it's obvious if you know the song. Anyway, until
Monday afternoon, give them a taste of Kiwi from Tyler
and I and have a fantastic We can love you,

(01:56:23):
Madam Tyler Tyler.

Speaker 1 (01:56:26):
For more from News Talks at b listen live on
air or online, and keep our shows with you wherever
you go with our podcasts on iHeartRadio

All Episodes

Episode Transcript

Popular Podcasts

CrimeLess: Hillbilly Heist

Crime Junkie

Stuff You Should Know

.css-15opob5{left:0;position:absolute;top:0.8rem;} All Episodes

.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Full Show Podcast: 17 October 2025

Episode Transcript

Popular Podcasts

.css-r6mb8g{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:1;overflow:hidden;}CrimeLess: Hillbilly Heist

Crime Junkie

Stuff You Should Know

All Episodes

Full Show Podcast: 17 October 2025

CrimeLess: Hillbilly Heist