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Southern Response Concealment Class Action

The Southern Response Concealment Class Action is a claim alleging that Southern Response misled policyholders who settled before 1 October 2014, by failing to disclose financial information that Southern Response held, at the time those policyholders settled. As a result of that misleading behaviour it is alleged that affected policyholders settled their claims for much less than they were entitled to. 

Therefore, the action is a claim for damages (i.e. compensation) from Southern Response for allegedly misleading its policyholders about the extent of their insurance entitlements for the overall cost of repairing or rebuilding their houses damaged in the Canterbury earthquakes. The claim seeks to recover the difference between the settlement amounts and what should have been paid had all financial information been made available to policyholders prior to them settling. 

Broadly speaking, you may be eligible to participate in the class action if you:

  • owned a house that was insured by AMI Insurance (now Southern Response) under a Premier House Cover Policy or a Premier Rental Property Policy;

  • your house was damaged in the Canterbury earthquakes; and

  • you settled your insurance claim with Southern Response prior to October 2014.

If you wish to register your interest in joining the class action you may do so at:

GCA Lawyers is conducting the class action for affected policyholders and is doing so with funding support from Claims Funding Australia, a major litigation funding company. This support will ensure that the class action is fully resourced through to conclusion. 

Claims Funding Australia is wholly owned by Maurice Blackburn, Australia’s leading class action law firm. The firm has about 1200 staff and over 30 offices throughout Australia.   It has recovered over $2.7B for its clients. 


Given these circumstances, class members can take comfort from the fact that the Southern Response Concealment Class Action has been considered by the best class action minds on both sides of the Tasman, and has therefore now received full funding support.


A lot of useful information can be found in the Frequently Asked Questions (FAQs) section of the SRCCA website SRCCA set out above.

If that information doesn’t fully answer any queries, you can find out more by sending your questions to GCA Lawyers on or calling GCA Lawyers on 03 365 1347 during business hours. 

Further information about Claims Funding Australia can be found on its website at 

Further information about Maurice Blackburn can be found on its website at   

Brendan & Colleen Ross

Brendan and Colleen Ross are the representative claim for the Southern Response Concealment Class Action. View their story below...

Gary Blair

View Gary's story below...

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