Blog post
May 19, 2020

Isentia Conversations with Campbell Fuller from Insurance Council of Australia

We talked to Campbell Fuller, the Head of Communications and Media Relations at Insurance Council of Australia about his experience working through Australia’s natural disasters.He shared his advice for communicating when circumstances are outside your control. Isentia’s Insights Director, Ngaire Crawford also shared some of the trends across social and traditional media as we move towards the recovery phase.

 

Isentia’s Ngaire Crawford talks about the recovery phase

4:15 – The narrative is shifting from an initial crisis comms response to a different media tone as we move into a recovery phase. Across Australia and New Zealand, the mainstream media is talking about:

  1. Easing of restrictions
  2. Practicality of restrictions
  3. Longer term economic impact

4:34 – On social media, people are excited about the return of social interactions but they are also anxious and confused about the changes in restrictions and how they can be enforced. 

5:05 – Google trends shows people across Australia are searching about the Coronavirus App; how it works and its security. And across Australia and New Zealand people are searching for information about the easing of restrictions.

6:04 – The next stage of COVID-19 communications can be categorised in three themes:

  • Clarity – this will continue to be extremely important in the coming weeks as restrictions change
  • Compassion – understand what is resonating with your audience to effectively communicate with them.
  • Creativity – A lot of organisations are delivering information in ways they weren’t expecting, or connecting with customers in a new way. Knowing your audience and your communication style is important when being creative. 

6:47 – The media is starting to dissect the event, how did it start? Were we too slow? And people are trying to apportion blame so that someone can take responsibility. There’s a thirst for an apology.

With so many new rules and restrictions in place, be as clear and specific as you can. Move quickly when there’s a mistake, acknowledge what you don’t know.

Campbell Fuller talks communications during crisis

8:12-  The Insurance Council has been flat out since September 2019 with very little respite. They’ve gone from the worst natural disasters season in Australia’s history into a pandemic. They’ve also been dealing with a number of government enquiries, as well as Parliamentary Inquiries, and growing expectations from regulators and various community groups. 

9:08 – New Zealand is fortunate with communicating throughout this pandemic. Their central government provides a very clear message with a single trusted voice. This pandemic will steer communications to be more direct and unified.

Q&A

10:17 – Comms Professionals are under so much pressure at the moment. How do you retain flexibility when it’s so outside of your control? 

10:41 – Campbell Fuller:

We haven’t had a pandemic in the past 15 years but we’ve had numerous issues and crises.  As an industry group, we have a very strong relationship with our member companies, with regulators, with politicians and with consumer groups. Even though the circumstances aren’t always familiar, the approaches we apply to them are well established and deliver the best outcomes. It comes down to having the resources you need, having the empowerment of the decision makers to take certain steps and to continually stress test your actions and your messages each day.

11:48 – Although we didn’t predict a pandemic, we can predict there will be external stressors and as an industry, we need to respond appropriately.

It’s important to know your product well enough to design or modify your messaging so that it becomes fit for purpose.

12:26 – Wherever possible, have a single trusted voice. Make sure you are in constant connection with your most important groups, i.e your internal audience. Manage their expectations from the start and let them know they are important.

13:16 – For the external stakeholders of the Insurance Council, whether it’s talking to the media, to governments or regulators, it’s critical to get our messaging and our approach right.  We also need to actively listen and monitor what others are saying, this includes listening to what is being said through our government, regulatory and consumer liaison channels.

14:33 – How do you manage consistency and continuity of comms, when overarching strategy is so unknown?

15:05 – Campbell Fuller:

Most of us would have some form of crisis strategy in place including how to identify issues, collate them, how to best respond to those issues, whilst also managing expectations. 

16:01 – Look at the issues you have and prepare for the worst, middle and best case scenarios and include the steps needed to achieve those outcomes.  

16:30 – No crisis management plan is 100% perfect, and the unknown always leaves the option to fine tune your plan. Where possible, always try and stay one step ahead of the issue.

16:50 – At the Insurance Council, we are in constant contact with our internal and external audiences. We look at the issues and concerns they’re experiencing and hear their thoughts about the direction they think the industry should be going. From this, we work out how it fits into our current policies and if it aligns with our approach. 

We are constantly stress testing every single thing we do which enables us to identify emerging issues or predict things to come.

18:39 – By early March it was quite clear we needed to take more direct action in regards to COVID-19. We were one of the first industries to put a line through our events including our major industry summit due to take place at the end of March. We cancelled face to face member meetings, moved them online and took proactive steps to demonstrate to our member companies we were concerned about the impact of COVID-19. 

20:53 – Are the themes; clarity, compassion and creativity here to stay? Do you think we are starting to see a media landscape shift and we won’t necessarily go back to business as usual?

21:04 – Ngaire Crawford:

Creativity during COVID-19 is particularly unique as it’s incredibly rare for a crisis to hit such a  wide audience with everyone experiencing the same issue at the same time. It does, however, enable comms professionals to deliver messaging in a different way. Organisations have had to pivot around things that previously weren’t thought to be an issue and the receptiveness to this new found creativity will have longevity. 

22:09 – Clarity is foundational in any crisis and is the result of people doing well during this time. Messaging needs to be clear and consistent from the very beginning. 

26:25 – What link have you seen between communicating during bushfire season and communicating during a pandemic?

27:37 – Campbell Fuller:

It’s important to have a single credible voice, monitor the conversation and know when and how to correct something.

27:54 – The first principle of communications is to understand who is speaking (if you aren’t), and look at what they are saying. Determine whether their messaging is what you would be saying. It’s not a time to say something for the sake of it. Who is the most appropriate person to respond?

28:27- There’s a lot of misinformation with insurance providers, especially during natural disasters, and it’s our job to correct it. We steer the affected communities to the right information so they can take the right actions themselves towards recovery.

32:38 COVID-19 has been used to blame many delays and other problems. At what point do communicators need to stop using COVID-19 as a catch all excuse? 

33:03 – Campbell Fuller: 

There is a risk people will get tired of using COVID-19 as an excuse. We need to shift our messaging from blaming to recovery led messaging. Everyone understands there are roadblocks at the moment, let’s focus on what we can do and how we can shape our responses to have a positive outlook. 

If you would like to view other Webinar Isentia Conversations: Communicating through Change:

Isentia Conversations: with Katherine Newton at RU OK?

Isentia Conversations: with Bec Brown at The Comms Department

Isentia Conversations: with Rochelle Courtenay at Share the Dignity

Isentia Conversations: with Rachel Clements at Centre for Corporate Health

Isentia Conversations: with Helen McMurdo at MTV

Isentia Conversations: with Daniel Flynn at Thank You

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If there’s one topic Australians never tire of debating, it’s housing. Whether it’s at the pub, around the dinner table, or dominating headlines, property prices, rent hikes and the “can I ever afford a home?” questions are constant fixtures of the national conversation.

But let’s be honest—rising house prices aren’t new. What is changing is how the conversation is evolving, who’s shaping it, and which narratives are starting to stick.

 Using Lumina’s Stories and Perspectives, we analysed 19 stories and over 50 perspectives across a 30-day period from 15 March to 14 April 2026 to understand what’s actually driving the housing narrative in Australia right now—and why it matters. 

 

Which are the stories shaping conversation and who's driving it?

 

 

Housing Supply and Affordability Divide — Analysts and economists link supply shortages directly to soaring prices. Cities that built more homes saw far less price growth. 

Key drivers: Gerard Burg (Cotality), Peter Tulip (Centre for Independent Studies), Australian Associated Press

Tax Reform Debates Heat Up Ahead of Budget — 14 competing perspectives. Advocates say reforms are essential for fairness; the property industry warns they’ll push rents up 30%. 

Key drivers: Anthony Albanese, Jim Chalmers, Angus Taylor, Housing Industry Association, Saul Eslake

Grattan Institute Connects Housing to Democratic Trust — A major report argues that the housing crisis is eroding public confidence in democracy itself. 

Key drivers: Aruna Sathanapally, Grattan Institute

 

 

Australians make housing supply the biggest story


This perspective was
100% of the coverage of this story and generated 85 media items, making it the most widely covered story of the entire period. The main insight is the public drawing a direct line between housing supply levels and property prices across Australia’s capital cities. 

Perth and Brisbane, where home construction has lagged well behind population growth since the pandemic, have seen property values surge massively. Meanwhile, Victoria — which built a proportionally higher number of new homes — saw less growth, compared to the national average.

It ran everywhere from PerthNow to regional papers across NSW and Victoria. The fact that the Australian Associated Press syndicated the data meant it hit dozens of outlets simultaneously.

 

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The key drivers are property analysts Gerard Burg from Cotality and Peter Tulip from the Centre for Independent Studies. Both are pushing the same message. If you want to fix affordability, you have to fix supply. Their proposed solution is liberalising zoning laws, particularly in NSW and Victoria, to allow more homes to be built faster. 

 

Why does this matter for communicators?

This story had the widest media footprint of the entire period, reaching outlets from The West Australian to regional mastheads across the country. If your organisation operates in housing, property, or urban planning, the “supply-equals-affordability” narrative is now firmly established in public discourse, and therefore, your messaging needs to account for it. Audiences know of the supply argument before, and with experts aligned on the issue, it’s harder for policymakers to dismiss it easily. 

It’s also worth noting how the analysis around who the key drivers are adds a layer traditional media monitoring might miss. The AAP’s role as the primary distribution channel meant this story reached dozens of the bigger mastheads like PerthNow and The West Australian  and  hyperlocal outlets like the Cobram Courier and Benalla Ensign, simultaneously. For communicators, this distribution pattern indicates that a story has penetrated both metropolitan and regional audiences, making it impossible to dismiss as just a capital-city concern.  

 

Tax reform rebates are the most contested story of the month

The housing tax reform debate was the most contested generating 14 distinct perspectives across 23 media items becoming by far the most multi-sided story of the month. However, the top three perspectives were the most interesting to look at considering how disputed the opinions of either side are and sit at the highest level in the government. 

At the centre of it is the Albanese Government’s consideration of reducing the capital gains tax discount and limiting negative gearing ahead of the May budget. The country is essentially split down the middle on this one. 

Perspective 1: This made up for 34.8% of the story coverage. Prime Minister Anthony Albanese, Treasurer Jim Chalmers, and housing advocacy group Everybody’s Home are arguing that the current system unfairly benefits wealthy investors while locking out first-home buyers. Economist Saul Eslake backs this view. Together, they account for about a third of the story’s total coverage.

Perspective 2: This had an equal share in coverage at 34.8% of the story. Opposition figures Angus Taylor, the Housing Industry Association, and Victorian Libertarian Party Leader David Limbrick are warning that scrapping these tax incentives will scare off investors, shrink rental supply, and push rents up by as much as 30%. They command an equal share of the conversation (Herald Sun)

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What’s interesting is what sits beneath these two dominant perspectives. A third angle that was 17.4% of the story coverage  was driven by Chalmers and Greens Senator Nick McKim, frames the whole debate as a question of intergenerational fairness. And then there are the young “rentvestors” who rent where they live but own an investment property elsewhere. They’re worried about getting caught in the crossfire of changes that weren’t designed with them in mind (Australian Financial Review)

Trust is eroding in the Australian democracy — and housing is the problem

The Grattan Institute released a report warning that trust in Australian democracy is under pressure, and housing is one of the reasons why. This soon became the second biggest story, generating 58 media items. 

Led by Grattan CEO Aruna Sathanapally, the report argues that persistent inequality, including the housing affordability gap, is eroding the social contract between citizens and government. The report explicitly names the housing crisis as one of the major unresolved challenges fuelling public disillusionment. Sathanapally is the key driver of this story, commanding over 93% of its coverage. Her influence matters because she’s reframing housing as something bigger than an economic problem. She’s positioning it as a threat to democratic stability. That’s a powerful narrative shift, and one that gives housing advocates a new way to make their case. 

For anyone in public affairs or government communications, this connection between housing and democratic trust is worth watching. It’s the kind of framing that can reshape how policymakers prioritise the issue. 

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How does this inform PR & Comms strategy?

  1. Know which side of the debate your audience sits on: The tax reform story alone has 14 perspectives. If you’re crafting messaging around housing policy, understand which perspective your stakeholders identify with and who they consider a credible voice. A one-size-fits all approach might not work.
  2. Follow the key drivers, not just the headlines: The unexpected pairing of Greens Senator Nick McKim with Treasurer Chalmers on intergenerational fairness suggests this issue is cutting across traditional party lines in ways that could reshape coalition dynamics. Meanwhile, the "rentvestor" audience represents a politically orphaned group that neither side of the debate is referencing or considering, making them a potential swing audience whose concerns could quietly shape how any reform actually lands.
  3. Watch the emerging narratives: One Nation’s growing support, the “rentvestor” demographic, and the connection between housing and democratic trust are all stories that could become dominant in the months ahead. 

 

What does this tell us about the Australian housing conversation?

It’s not a new crisis anymore. It’s a nationally entrenched issue that is now being addressed by the public by way of debates along with policymakers and experts at the highest government level. These debates are on solutions, trade-offs and fairness. The conversation is much more sophisticated where audiences are not just talking about “prices being too high”, but discussing supply, investments, short term relief vs long term reform. What’s also essential is to look at the key drivers or the key voices driving the top narratives.  From economists to policymakers to advocacy groups, the voices gaining traction are influencing how the issue is understood and what solutions feel viable.

Understanding not just what’s being said, but who is driving the conversation and why it’s resonating, is becoming critical for organisations looking to engage credibly. That’s where Lumina’s Stories and Perspectives comes in, helping you move beyond headlines to uncover the narratives and voices shaping the issues that matter most. 

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Want to see these insights for your own industry or brand? Discover what Lumina Stories and Perspectives can surface for you.

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What’s really driving Australia’s housing conversation right now?

Explore how housing in Australia has become a nationally entrenched issue where audiences participate in shaping conversation as much as the policymakers.

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The media landscape is accelerating. In an era where influence is ephemeral and every angle demands instant comprehension, PR and communications professionals require more than generic technology—they need intelligence engineered for their specific challenges.

Isentia is proud to introduce Lumina, a groundbreaking suite of intelligent AI tools. Lumina has been trained from the ground up on the complex workflows and realities of modern communications and public affairs. It is explicitly designed to shift professionals from passive media monitoring back into the role of strategic leaders and pacesetters. 

“The PR, Comms and Public Affairs sectors have been experimenting with AI, but most tools have not been built with their real challenges in mind.” said Joanna Arnold, CEO of Pulsar Group

“Lumina is different; it is the first intelligence suite designed around how narratives actually form today, combining human credibility signals with machine-level analysis. It helps teams understand how stories evolve, filter out noise and respond with context and confidence to crises and opportunities.”

Setting a new standard for PR intelligence

Lumina is centered on empowering, not replacing, the human element of communications strategy. This suite is purpose-built to help PR, Comms, and Public Affairs professionals significantly improve productivity, enhance message clarity, and facilitate early risk detection.

Lumina enables communicators to:

  • Understand & Interpret: Move beyond basic alerts to strategically map the trajectory and spread of narrative evolution.
  • Focus & Personalise: Achieve the clarity necessary to execute strategic action before critical moments pass.
  • Execute & Monitor: Rapidly deploy strategy firmly rooted in real-time, actionable insight.

Get a demo today: Stories & Perspectives module

We are launching the Lumina suite by making our first module immediately available: Stories & Perspectives.

In the current fragmented, multi-channel media environment, communications professionals need to be able to instantly perceive not just how a story is growing, but also how it is being perceived across different stakeholder groups.

Stories & Perspectives organizes raw media mentions into clustered, cohesive Stories, and the Perspectives that exist within each, reflecting distinct media, audience, and public affairs angles. This unique functionality allows users to:

  • Rise above the noise: Instantly identify which high-level topics are gaining momentum or fading from attention.
  • Get to the detail, fast: Uncover the influential voices, niche communities, and specific channels actively shaping the narrative.
  • Catch the pivot point: Precisely identify the moment a story shifts—from a strategic opportunity to a reputation risk—or when a new key opinion former begins guiding the conversation.

"Media isn’t a stream of mentions," said Kyle Lindsay, Head of Product at Pulsar Group. "But rather a living system of stories shaped by competing perspectives. When you can see those structures clearly, you gain the ability to understand issues as they form, anticipate how they’ll evolve, and act with precision. That’s what we mean when we talk about AI built for communicators, and that's what an off-the-shelf LLM can't give you."

The Lumina Roadmap: AI tools for the future of comms

The launch of Stories & Perspectives is the first release of many. Over the upcoming months, we will systematically roll out the full Lumina roadmap, introducing a comprehensive set of AI tools engineered to handle every phase of the communications lifecycle.

The full Lumina suite will soon incorporate:

  • Curated media summaries: AI-driven daily summaries customized specifically to the priorities of senior leadership, highlighting only the most relevant stories.
  • Reputation analysis: Advanced measurement tracking how critical themes like ethics, innovation, and leadership are statistically shaping corporate perception.
  • Press release & media relations assistant: Tools designed to accelerate content creation and craft hyper-focused, personalized pitches that reach the precise contacts faster.
  • Predictive intelligence layer: Technology engineered to track and anticipate story momentum and strategic change before the window of opportunity closes.
  • Intelligent agents: Background agents continuously scanning all media channels for emerging key spokespeople and previously undetected reputation risks.
  • Enhanced audio, broadcast & crisis detection: Complete, real-time oversight of all channels—including audio and broadcast—enabling rapid context building and optimal crisis response delivery.


Want to harness the power of Lumina AI for your PR, Comms, or Public Affairs team? .

Complete the form below to register your interest.

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Announcing Lumina: The purpose-built AI suite for PR, Comms, and Public Affairs

An intelligent suite of AI tools trained on the language, workflows, and realities of modern public relations and communications.

Ready to get started?

Get in touch or request a demo.