The committee recommends that the Australian Government review:
- the availability and coverage of insurance in Northern Australia, specifically the insured versus the uninsured, including nonparticipation; and
- the impact of the 48-hour clause on the cost of insurance premiums for Northern Australians, and the availability of insurance in the region as part of the built-in review in 2025, and adjust this clause if necessary.

The committee recommends that the Australian Government’s 2025 review of the Cyclone Reinsurance Pool consider:
- evidence and data on whether to ‘sunset’ the Cyclone Reinsurance Pool’s coverage of policies for new builds past a certain date; and
- how to reinforce the policy objective of the Cyclone Reinsurance Pool to move to parity of cost and access for all Australians.

The committee recommends that the Australian Government direct the Australia Competition and Consumer Commission to monitor the cyclone insurance markets in Northern Australia, and report on:
- instances where thin markets may be impacting both insurance coverage and cost; and
- market participation, specifically under-insurance and the issue of lack of insurance in some areas.