Dr Michael Naylor

Contact details

• Ph: 06-3569099 x 7720
  Location: 2.19, BSW
  Campus: Manawatu

Research Interests

Insurance

Financial Planning

Financial Crises

Investments, ETFs

Foreign Exchange

Sports Econometrics

Area of Expertise

Field of research codes
Banking, Finance and Investment (150200): Commerce, Management, Tourism And Services (150000): Insurance Studies (150204): Investment and Risk Management (150205)

Keywords

Insurance

Financial Planning

Financial Crises

Investments, ETFs

Foreign Exchange

Consultancy

• 2012 - FSC
  Insurance

Teaching Statement

Personal RIsk Management

Business Insurance

Investments

Courses Coordinated

• 125.211 The Financial Planning Process
• 125.241 Introduction to Investments
• 125.351 Personal Risk Management

Current Doctoral Supervision

Co-supervisor of:

• Trang Phung - Doctor of Philosophy
  Perceived risk, risk tolerance and trust in debt decisions

Completed Doctoral Supervision

Co-supervisor of:

• 2018 - Robert Lissington - Doctor of Philosophy
  How prepared are New Zealanders to achieve adequate consumption in retirement?

Media

• 31 Oct 2016 - Newspaper, Online
  Article in NZ Herald
  "Car Industry gone by 2030, academic predicts." Feature story in NZ Herald business section on my opinions on the impact of technological disruption on the international auto-insurance industry. This
• 31 Oct 2016 - Newspaper, Online
  Front Page article in Dom-Post
  "Warning for insurers: tech will change industry". Front page feature on the views on the looming technological disruption of the insurance industry. This was an indication of the substantial media re
• 31 Oct 2016 - Online
  Feature article in Good Returns
  "Adapt or die, insurers told". Feature article on my views on the technological challenge facing insurers. This was created in response to the release of my "Perfect Storm" publication. Good Returns i
• 31 Oct 2016 - Online
  Article in BizEdge
  "How technology will disrupt the insurance sector". A feature on my opinions about technological disruption in the insurance sector. BizEdge is NZ's premier technological news outlet.
• 31 Oct 2016 - Online
  Good Returns article
  "Lower costs, better processes: Future bright for advisers". Feature article on my predictions for the future of financial advisers during the looming technological disruptions. This was created as
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• 31 Oct 2016 - Online
  Article on Stuff
  "Real-time tech to revolutionise insurance industry". This was an article based on my opinions relating to the impact of telematics and other technology on the insurance industry. This was created a
• 31 Oct 2016 - Online
  Good Returns Article
  "Roboadvice could divert clients: Naylor". Feature article on the Good returns relating to my opinions about the impact of robotic advice software on financial advisers. Good Returns is NZ's premier
• 31 Oct 2016 - Online, Magazine
  Article in Insurance News
  "Automation will wreck car insurance, says academic". Feature article on my opinions relating to technological disruption of the insurance industry. This was created as a reaction to my "Perfect Storm
• 31 Jul 2013 - Other
  Good Returns Web Site
  "Bank insurance practises queried" - An article based on my views on the training of bank staff around insurance advise. This is the main industry website.
• 31 Aug 2016 - Online
  Article in Insurance Business
  This article featured and discussed my NZ Herald opinion piece on the need for quality advice around business insurance. Insurance Business is NZ's premier insurance news outlet.
• 30 Nov 2015 - Newspaper, Online
  Quoted in NZ Herald Article
  "Good advice or just sales". My analysis of the MJW report on life insurance commissions was featured in this article. My advice on how to find a quality financial adviser was then quoted.
• 30 Aug 2016 - Newspaper, Online
  NZ Herald, HawkesBay TimesOpinion Piece
  'Hawke's Bay water crisis shows importance of quality insurance." This was a featured opinion piece on the importance of NZ businesses obtaining quality advice insurance planning advice, using the exa
• 29 Oct 2016 - Newspaper
  Feature article in business section of Sat Dompost
  "Full Replacement Insurance Returns". Feature article on my opinions on the likelihood of full replacement house insurance returning. This was created because of my reputation within the business medi
• 29 Feb 2016 - Radio
  NewsTalk ZB
  Live interview featuring my opinions on the possible future impact of social media postings on insurance premiums.
• 29 Apr 2016 - Newspaper, Radio, Other, Online
  Chch Press feature opinion piece
  "EQC agreement with EQC Action Group has major implications." Feature opinion piece in Chch Press, relating to a legal settlement tied to Cant quake claims. This opinion piece was extensively covered
• 28 Oct 2016 - Online
  Comments in Good Returns article
  "Releasing claims data not straightforward: Insurers". My comments on data release were included as an expert insurance commentator in this article. Good Returns is NZ's premier financial advice news
• 27 Jun 2015 - Newspaper, Online
  A Nightmare on Underinsurered Street
  Saturday Dom-Post feature Business article. My opinions and the Massey research is quoted at length. This is evidence of my reputation with NZ business media.
• 27 Jun 2015 - Newspaper
  Saturday Dominion-Post and Stuff
  "Are you underinsured?" - Quoted as an expert in article on reasons for and types of under-insurance. This was the lead article in the business section of the Saturday Dominion-Post and the Stuff web
• 27 Jul 2017 - Newspaper, Online
  Featured in Stuff article
  My comments as an expert featured in 'Commerce Commission declines Vero Insurance takeover of Tower. Story was covered in five different foreign news sites.
• 27 Jul 2017 - Newspaper, Online
  Featured in front page DomPost article/ Stuff
  My views featured in front page DomPost article 'Quake insurance at risk'. Also covered in Stauff
• 26 Jun 2015 - Newspaper, Online
  Quoted in Dom-post and Stuff articles
  "Are you underinsured?" I was quoted as an expert commentator in an article discussing my prior research into the extent of personal risk underinsurance in NZ. This is an illustration of my reputation
• 26 Jul 2017 - Magazine, Online
  Featured in German insurance website.
  Featured as an expert in article on main European reinsurance media website.
• 26 Jul 2013 - Other
  Stuff website + regional newspapers
  "Quake damage estimate disputed" - my views on the response of house insurance buyers after the Seddon quakes were used.
• 26 Apr 2017 - Online
  Insurance Business Article
  "Time to ban new builds near NZ Waterways" - Lead article based on my opinions around insurance cover and zoning regulations relating to housing areas with altered risk profiles due to natural disaste
• 25 Nov 2016 - Online
  EFMA insurance news website
  "Surviving technological disruption in insurance". This was a personal interview on a leading UK finance and insurance news website. This was created due to the UK reaction to my "Perfect Storm" publi
• 25 Nov 2016 - Online
  Collision Repair Magazine
  My book and its views on the technological disruption of insurance was covered in an article. This is the leading North American auto repair magazine with a substantial audience.
• 25 Apr 2016 - Radio
  Live Interview on Newstalk ZB
  Live interview on Newstalk ZB about issues relating to the difficulties around Chch insurance cliams
• 24 Sep 2017 - Newspaper, Online
  Herald/ Stuff Article
  My comments as an insurance expert were quoted in 'Time to force car insurers to give data to online comparison sites". Also covered in Asia Insurance Review
• 24 Sep 2015 - Radio
  Live Interview on Morning Report, RNZ
  Live interview on my opinions and background on issues relating to insurance disclosure law and Insurance Ombudsman cases.
• 24 Nov 2015 - Online
  Good Returns feature article
  "MJW missed their chance". This was a feature article analyzing and critiquing a report on by MJW actuarial consultants on the impact of sales commissions on financial adviser behavior. This analysis
• 24 Jun 2013 - Online
  Good Returns article
  "No Reason for soft dollar commissions". Feature article on my opinions around bans on soft dollar commissions for financial and insurance advisers. Good returns is NZ's premier financial advice media
• 24 Jul 2013 - Other
  "No good reasons for soft dollar commissions: Nayl
  My views on soft dollar commissions were the basis of a feature article on the main industry website
• 24 Jul 2013 - Newspaper
  Dominion-Post
  "Quake puts insurers, home buyers on alert". My views on the response of buyrs of house insurance were the basis on a front page article on responses to the Seddon Quakes.
• 24 Feb 2017 - Online
  Insurance Business Article
  "Suncorp CEO is 'simply wrong' says insurance academic". This was a feature article outlining my opinions on the proposed Suncorp-Tower merger vs Fairfax and the Suncorp CEO's statements. This was a s
• 24 Feb 2017 - Online, Magazine
  Market Intelligence (HK) Media Article
  "Suncorp's proposed deal for Tower would create an duopoly in the NZ Insurance market." This was an article based on the opinions on the proposed Suncorp-Tower merger vs the Fairfax offer. Market Inte
• 23 Nov 2016 - Newspaper, Online
  Chch Press, Dom-Post, Manawatu Standard and Stuff
  "Quake shows need for business cover". These slightly were requested opinion article, sourced based on my media reputation and comments about the business reaction to the Kaikoura quake.
• 23 Jul 2016 - Newspaper, Online
  Feature article in NZ Herald business section
  "Tech could turn industry upside down". Feature article on my views on technological disruption issues facing the insurance industry.
• 23 Jul 2016 - Newspaper, Online
  NZ Herald
  "Tech could turn insurance upside down". This was an article describing and explaining my opinion on the impact of technological changes on the insurance industry. This was a sourced article based o
• 23 Aug 2016 - Radio
  Extensive radio coverage of Olympic Medal research
  I was interviewed and quoted on approx 15 radio stations across NZ, relating to my statistical analysis of the relative success of NZ's Olympic squad in wining medals.
• 22 Nov 2016 - Radio
  Three Live Interviews on Radio
  Live Interviews on Radio NZ morning report, Radio Live, & Radio Rhema. These covered my opinions relating to the requirements for business to arrange business insurance, and the impact of the Kaikoura
• 22 Jul 2017 - Radio
  Live interview on RNZ Nine to Noon
  Live interview on Prime Radio NZ programme, Nine to Noon, for 18 mins. Featured my view on the impact of technological changes on insurance and emplyment.
• 22 Feb 2017 - Online
  Stuff website article
  "Vero makes a play for Tower but it could be bad news for customers". This as a lead article in the business section of Stuff. It is based on the opinions related to the proposed Suncorp-Tower merger
• 20 Mar 2013 - Newspaper, Online
  NZ Herald opinion piece
  "Farmers need to be able to insure against drought". Opinion piece in NZ Herald and associated website, relating to business insurance policies and the 2013 drought.
• 18 Feb 2013 - Newspaper
  Kiwis are under-insured finds survey
  NZ Herald Article discussing the FSC/Massey underinsurance research. I am quoted at length.
• 18 Feb 2013 - Newspaper
  "Kiwis are underinsured: Survey finds"
  NZ Herald. Half-page feature article covering the Massey Under-insurance surveys, including my comments around under-insurance.
• 16 Jun 2017 - Online, Newspaper
  Feature Stuff article on my Tech report
  Feature article, 'Real-time tech to revolutionise insurance industry'. On my views about the impact of new technology on the insurance industry
• 15 Jul 2016 - Online
  Good Returns Article
  "Insurance must face up to trend for commission regulation". Feature opinion piece on the need for the financial advice industry to become proactively involved in creating a blueprint for regulation o
• 14 Jul 2017 - Online
  Personal profile in Good Returns
  Personal profile in main industry news website.
• 14 Jul 2017 - Newspaper, Online
  Opinion piece on main business page in NZ Herald
  1/3rd page opinion article in front page of business section of NZ Herald, 'What's next? Don't panic about the future just yet'. This featured my opinions on the employment impact of technological ch
• 14 Jul 2013 - Newspaper, Online
  Alarm Bells over Commissions
  Quoted on front page feature in Sunday Star-Times. I am quoted discussing the role of regulation in controlling sales commissions on insurance products.
• 14 Jul 2013 - Newspaper
  Sunday Star/ Times
  "Alarm Bells over Commissions" - My views featured in a full page feature article. I was regarded as the equal to three insurance company CEOs.
• 14 Aug 2012 - Online
  Article in Asia Insurance Review
  "Insurers to be rocked by negative earthquake publicity". This was an article on my opinions on the public reaction to poor insurer response to Cant quake claims. Asia Insurance Review is Asia's premi
• 13 Sep 2016 - Online, Newspaper
  Quoted in Dom-post & Stuff articles
  "Insurers backing down from sum-insured policies". I was quoted as an expert commentator on my opinions as to future changes relating to the possible reintroduction of replacement value house insuranc
• 13 Jul 2015 - Online, Newspaper
  Stuff, Chch Press & Interest.co.nz
  "EQC reform proposals weak". My opinions on the govt's proposed changes to the EQC Act received coverage by Stuff, Chch Press & Interest.co.nz.
• 13 Feb 2017 - Online
  'Insurance News' Article
  "Tower was teetering and had to be sold" - Article in Insurance News. I was quoted at length in a lead story on the proposed Fairfax takeover of Tower. Insurance News is Australia's leading insurance
• 11 Nov 2014 - Online
  Goods Returns Article
  "Advisers out of their depths". I was quoted extensively as an expert responding to an opinion about the capability of financial advisers.
• 10 Mar 2013 - Newspaper
  "Farmers should be able to insure against drought"
  NZ Herald. A quarter-page feature article about my comments about the need for weather-based insurance products as a hedge against droughts.
• 10 Aug 2017 - Magazine, Online
  Good Returns Article
  My opinion as an insurance expert quoted in Good Returns magazine 'Sovereign for sale but who will buy'.
• 09 Jun 2016 - Online
  Good Returns feature article
  Feature analyzing and critiquing a NZIER research report into the impact of sales commissions on the life insurance market. good Returns is NZ's premier financial adviser news outlet.
• 09 Feb 2017 - Online
  Stuff article
  "Insurer Tower had to be sold to Canadians" - Lead article on my opinions on the Fairfax offer for Tower. This article was sourced based on my industry reputation.
• 09 Feb 2017 - Newspaper, Online
  NZ Herald Article
  "Canadian firm targets Tower Insurance". I was quoted at length in an article about Fairfax's offer for Tower.
• 09 Feb 2017 - Newspaper, Online
  Article in leading HK financial news website.
  "Fairfax's acquisition would help Tower get out of quake claims trouble". This was an article based on my opinions on the offer by Fairfax to take over Tower. This was sourced based on the internation
• 09 Apr 2011 - Newspaper, Online
  DomPost BusinessDay feature article
  "Insurer should have been prepared". Front page (Business) full page article based on my opinions relating to the collapse of AMI Insurance, the reasons for it, and whether AMI should have been better
• 07 Nov 2016 - Newspaper, Online
  Manawatu Standard and Stuff article
  "Smart-technology set to change the insurance industry". Full length articles on my views on the technological disruption of the insurance industry. This was created as by the reaction to my "Perfect
• 05 Nov 2013 - Newspaper
  DominionPost
  "Doubts cast on KiwiAssure's Influence" - My comments on Labour's proposal to introduce a state-owned insurance company reported.
• 05 Feb 2017 - Newspaper, Online
  NZ Herald article
  My opinions were quoted in an Herald article, "With Insurance, it pays to read the small print". This was both website and print. My views were sourced based on my industry reputation.
• 04 Nov 2016 - Online
  Article in InsuranceBusiness
  "IBANZ urges members to wake up to academic's 'uncomfortable truth." Feature article on my "Perfect Storm" publication and the industry reaction to it. Insurance Business is NZ's premier Insurance new
• 04 Nov 2016 - Online
  Article on NBR website
  "Technology could disrupt 80% of insurance jobs, academic predicts". Article on my views on the technological disruption on insurance, created as a reaction to my "Perfect Storm" publication.
• 04 Nov 2016 - Radio
  Live interview on Afternoons, Radio NZ
  Live Interview on 'Afternoons', on Radio NZ. The was created as a reaction to my "Perfect Storm" publication.
• 04 Jun 2013 - Other
  "Govt should regulate commissions - Naylor"
  Good Returns website - my views on insurance commission were the basis of a feature article on the main industry website.
• 04 Aug 2017 - Magazine
  National Business Review opinion article
  Half page opinion article 'Preparing for the demise of non-electric vehicles'
• 03 Oct 2016 - Online
  Article in Asia Insurance Review
  "Insurers returning to replacement-value cover" This was an article on my opinions relating to the likelihood of insurers reintroducing replacement-value insurance. Asia Insurance Review is Asia's pre
• 03 May 2017 - Newspaper, Online
  InsuranceBusiness Article
  "Are brokers the key to solving underinsurance crisis?" My opinions on the importance of quality insurance advisers/ broker to business insurance were featured. InsuranceBusiness is NZ's premier Insu
• 03 Dec 2015 - Newspaper, Community Service, Television, Radio, Online, Other
  TV 3 news and extensive world-wide media
  The launch of the Cant insurance claim research project was covered on TV3 6pm news, Chch Press, Radio NZ, NZ Herald, numerous radio stations, Stuff, Insurance News Aust, Insurancebusiness, and severa
• 02 Oct 2016 - Newspaper, Online
  NZ Herald lead business story.
  "Can your social media posts make insurance more expensive?" This explored my opion on the impacty of electronic data gathering on insurance premiums. This was a lead story in the business section of
• 02 Nov 2016 - Online
  Middle East Insurance Review
  Technology: "Perfect Storm to utterly disrupt insurance Sector" - Review of my first edition of "A Perfect Storm". This was a very positive review, encouraging readers to obtain the book. It was accom
• 02 Nov 2016 - Radio
  Live Interview on Morning Report, RNZ
  Live Interview on Morning Report, RNZ on my views on ECQ reform as well as a background on issues.
• 02 Mar 2013 - Newspaper, Online
  Quoted in article in NZ Herald
  "Insurance pitfalls for the unwary". My advice as an expert commentator on insurance was sought and quoted relating to the pitfalls to be wary of when buying house insurance.
• 02 Jan 2017 - Newspaper, Online
  Manawatu Standard/ Stuff article
  "Post-earthquake insurance freeze thaws in Manawatu". I was quoted at length in an article on the post-Kaikoura quake insurance freeze. I was sourced becuase of my industry reputation.
• 01 Nov 2016 - Online
  Article in Automobile Industry news outlet
  "Car insurance industry to disappear by 2030"?' My opinions were covered by 'Car and SUV', which is a NZ car industry media outlet.
• 01 Nov 2013 - Magazine
  Asset Magazine
  "Soft Incentives: Is it time to take a hard line?" - Detailed reporting of my comments on the use of sales incentives for insurance advisers.
• 01 Mar 2017 - Magazine, Online
  Cover Story in CoverNote
  "Insurance, AI and Disruption". Cover opinion story on my Insurance Disruption research. This is the premier magazine for NZ insurance brokers.
• 01 Jul 2013 - Magazine
  NZ Asset Magazine
  "Mike Naylor, Not Afraid to Take a Risk". This was a two-page feature article on myself in the main industry magazine. Thnis was recogniston of my position as one of the main media commentators in the
• 01 Dec 2016 - Magazine, Online
  Asia Insurance Review
  Review of my 'Perfect Storm' book. This was very favorable. Asia Insurance Review is the premier Asian Insurance media group. The review was in the magazine and on the website
• 01 Dec 2013 - Magazine
  Asset Magazine
  "The Code Rewritten" - A feature article in the main industry magazie on the code commitee chair and my views on the rewrite of the AFA code. This was a strong indication of my standing in the financ
• 01 Aug 2017 - Online
  Featured in lead article on Aust insurance web.
  Featured in lead article on main Aust insurance website, InsuranceNews. Article titled 'Tower must find new backer or fold'
• 01 Aug 2015 - Online, Magazine
  NZ Asset Magazine
  "Insurance Reform: Cosmetic or Practical?" An opinion piece and attached downable spreadsheet, on how to reform insurance sales commissions without reducing adviser income. Extensively discussed withi
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  I had a leading opinion piece in the NZ Herald business section on the advantages of NZ Farmers being able to obtain catastrophic insurance against drought.
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  I was interviewed and quoted by the Manawatu Evening Standard on the looming bankruptcy of the Local Authority Protection Program and regional councils' possible responses to this.
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  I was interviewed and quoted in a NZ Herald article about the introduction of capped house insurance sums. I was regarded by the journalist as the leading expert on the area.
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  Live interview as recognised insurance expert on AMI possible bankruptcy From: NewstalkZB
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  My opinions were featured in full-page leading article in business section on AMI possible bankruptcy. From: The DominionPost
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  My opinions were featured on Radio NZ midday rural news. I talked about the possibility of catastrophe insurance for farmers affected by drought.
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  My underinsurance research was covered in NZ Herald in half page article. I was also interviewed and quoted. This recognised the importance for NZ of our research.
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  Our underinsurance research was favourably cited in article 'DIY test to ensure you're covered' which was based on our research, in business page of Stuff, 13 Mar 2013
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  Two minute interview on leading radio news show -RadioNZ Morning Report on AMI Bailout. I was presented the leading academic expert and a recognised industry commentator on insurance.
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