Chairman Tim Wilson asks whether QBE has been through its business to see how it can help customers.

Mr Bhatia flags the vouchers being sent to motor customers, and says its corporate travel policies don't contain pandemic exclusions.

He also highlights QBE's assistance measures aimed at SMEs.

Dr Leigh criticises the motor refunds being in the form of gift vouchers. He suggests Mr Bhatia would not like to receive his "executive bonus" in the form of a gift card.

Mr Bhatia says it is the easiest way to get refunds to customers and the cards are a cash equivalent - they are not specific to any particular store. He also says that the refund is given to all policy-holders, they do not have to apply for it.