<?xml version="1.0"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<!--Build # 284 - Publish generation of sbr_au_taxonomy. Generated Tuesday, 14 June 2011-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
    <link:roleRef roleURI="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xlink:type="simple" xlink:href="../fdtn/tech.sbr.01.02.xsd#businessDefinition"/>
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DM408" xlink:label="loc_DM408"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM408" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM408" xlink:to="lbl_DM408"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM408" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension is used to categorise reported insurance information based on the underwriting year to which the data relates.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5178" xlink:label="loc_DV5178"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5178" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Current Underwriting Year</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5178" xlink:to="lbl_DV5178"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5178" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5101" xlink:label="loc_DV5101"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5101" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 10 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5101" xlink:to="lbl_DV5101"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5101" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year 10 years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5102" xlink:label="loc_DV5102"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5102" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 1 Year Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5102" xlink:to="lbl_DV5102"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5102" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year one year previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV4440" xlink:label="loc_DV4440"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4440" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 1 to 3 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4440" xlink:to="lbl_DV4440"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4440" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting years from one to three years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5103" xlink:label="loc_DV5103"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5103" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 2 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5103" xlink:to="lbl_DV5103"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5103" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year two years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5104" xlink:label="loc_DV5104"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5104" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 3 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5104" xlink:to="lbl_DV5104"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5104" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year three years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5179" xlink:label="loc_DV5179"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5179" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 4 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5179" xlink:to="lbl_DV5179"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5179" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year four years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV4441" xlink:label="loc_DV4441"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4441" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 4 to 5 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4441" xlink:to="lbl_DV4441"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4441" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting years from four to five years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5105" xlink:label="loc_DV5105"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5105" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 5 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5105" xlink:to="lbl_DV5105"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5105" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year five years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5106" xlink:label="loc_DV5106"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5106" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 6 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5106" xlink:to="lbl_DV5106"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5106" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year six years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5180" xlink:label="loc_DV5180"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5180" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 7 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5180" xlink:to="lbl_DV5180"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5180" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year seven years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5154" xlink:label="loc_DV5154"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5154" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 8 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5154" xlink:to="lbl_DV5154"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5154" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year eight years previous to the underwriting accident year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5155" xlink:label="loc_DV5155"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5155" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year 9 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5155" xlink:to="lbl_DV5155"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5155" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting year nine years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV5156" xlink:label="loc_DV5156"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5156" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year More Than 10 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5156" xlink:to="lbl_DV5156"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5156" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting years which are more than 10 years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
        <link:loc xlink:type="locator" xlink:href="UnderwritingYear.02.00.data.xsd#DV4442" xlink:label="loc_DV4442"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4442" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Underwriting Year Greater Than 5 Years Previous</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4442" xlink:to="lbl_DV4442"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4442" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The insurance information reported is in relation to the underwriting years more than five years previous to the current underwriting year.

Underwriting year refers to the financial year of the insurer in which the insurance policy incepts, regardless of when the premiums and claims are actually reported, booked or paid. For example, the 2005 underwriting year for an insurer with a 30 June balance date includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 July 2005 to 30 June 2006. For an insurer with a 31 December balance date, the 2005 underwriting year includes premiums and claims (both paid and outstanding) attaching to policies incepting in the period 1 January 2005 to 31 December 2005.</link:label>
    </link:labelLink>
</link:linkbase>
