# How AI guides car insurance in New Zealand

Edition 1 · answers collected 11 October 2026.

[Read on NZBrands.ai](https://nzbrands.ai/research/insurance/car-insurance)

We asked four AI platforms about choosing car insurance and getting help with an existing policy or claim. The study compares their answers and insurer recommendations across twelve consumer situations and sixteen New Zealand regions.

## Study figures

| Measure | Value | Meaning |
| --- | --- | --- |
| AI platforms | 4 | ChatGPT, Gemini, Google AI Mode and AI Overviews. |
| consumer profiles | 12 | Twelve consumer situations in the car-insurance study. |
| questions | 183 | The complete car-insurance question catalogue. |
| captured answers | 728 | Original captured answers across the four platforms. |
| regions | 16 | Sixteen named New Zealand regions in the regional question group. |
| collected | 11 Oct 2026 | Answers collected on 11 October 2026. |

## The car, the driver and the help they need change the shortlist.

### Consumer-selection answers recommended AMI.

43 of 48

AA Insurance appeared in forty-two, Tower in forty-one and State in thirty-nine. These familiar brands formed the core comparison group across twelve consumer situations.

[Compare insurer recommendations](https://nzbrands.ai/research/insurance/car-insurance#choosing)

### Imported-car answers recommended Classic Cover.

4 of 4

Star Insurance appeared in three. Specialist parts and repairer choice brought a different set of insurers into the comparison.

[Explore the imported-car result](https://nzbrands.ai/research/insurance/car-insurance#choosing)

### Rural-driver answers recommended FMG.

4 of 4

AA Insurance and AMI also appeared in all four. Long trips, towing and access to repairers changed the reasons behind the recommendations.

[Compare consumer situations](https://nzbrands.ai/research/insurance/car-insurance#choosing)

### Consumer-selection answers included Cove.

33 of 48

The digital insurer was the fifth most frequent option. It appeared in every answer for the tight-budget and online-management situations.

[Compare the platforms](https://nzbrands.ai/research/insurance/car-insurance#platforms)

### Region-named answers recommended AA Insurance, State and Tower.

64 of 64

All three appeared in every region’s shortlist. Additional options varied more: FMG appeared in all four West Coast answers and none of Wellington’s four.

[Compare the regions](https://nzbrands.ai/research/insurance/car-insurance#regions)

### Platforms read “someone to call” as a roadside-assistance question.

4 of 4

AMI and State appeared in every answer. A request for human help became a comparison of breakdown services and roadside benefits.

[Explore the consumer profiles](https://nzbrands.ai/research/insurance/car-insurance#situations)

## Choosing an insurer

## Everyday family car

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 8 | 2 | 2 | 0 |
| AA Insurance | 4 | 4 | 100% | 11 | 0 | 0 | 0 |
| Tower | 4 | 4 | 100% | 11 | 0 | 1 | 0 |
| State | 4 | 4 | 100% | 11 | 1 | 4 | 0 |
| Cove | 4 | 4 | 100% | 7 | 2 | 2 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 2 | 4 | 50% | 4 | 0 | 0 | 0 |
| MAS | 2 | 4 | 50% | 4 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## First car

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 7 | 0 | 2 | 0 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 2 | 0 |
| Tower | 4 | 4 | 100% | 7 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 7 | 0 | 2 | 0 |
| Cove | 4 | 4 | 100% | 9 | 0 | 1 | 1 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 3 | 0 |
| FMG | 2 | 4 | 50% | 3 | 0 | 1 | 0 |
| MAS | 2 | 4 | 50% | 3 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Tight budget

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 3 | 4 | 75% | 1 | 1 | 4 | 0 |
| AA Insurance | 3 | 4 | 75% | 0 | 2 | 4 | 0 |
| Tower | 3 | 4 | 75% | 2 | 1 | 6 | 0 |
| State | 4 | 4 | 100% | 2 | 2 | 5 | 0 |
| Cove | 4 | 4 | 100% | 8 | 0 | 3 | 1 |
| Trade Me Insurance | 3 | 4 | 75% | 3 | 0 | 2 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 2 | 4 | 50% | 3 | 1 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Renting and moving

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 6 | 1 | 5 | 0 |
| AA Insurance | 4 | 4 | 100% | 9 | 2 | 1 | 0 |
| Tower | 4 | 4 | 100% | 8 | 1 | 1 | 0 |
| State | 2 | 4 | 50% | 1 | 1 | 2 | 0 |
| Cove | 4 | 4 | 100% | 8 | 1 | 3 | 1 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Young driver

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 12 | 0 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 10 | 0 | 2 | 0 |
| Tower | 4 | 4 | 100% | 9 | 0 | 2 | 1 |
| State | 4 | 4 | 100% | 5 | 1 | 4 | 0 |
| Cove | 2 | 4 | 50% | 4 | 1 | 0 | 1 |
| Trade Me Insurance | 3 | 4 | 75% | 5 | 0 | 2 | 1 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## School and work trips

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 11 | 1 | 5 | 0 |
| AA Insurance | 4 | 4 | 100% | 16 | 0 | 4 | 0 |
| Tower | 4 | 4 | 100% | 12 | 1 | 4 | 0 |
| State | 3 | 4 | 75% | 5 | 1 | 5 | 0 |
| Cove | 3 | 4 | 75% | 5 | 0 | 6 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 4 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Rural driving

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 11 | 0 | 2 | 0 |
| AA Insurance | 4 | 4 | 100% | 10 | 0 | 2 | 0 |
| Tower | 3 | 4 | 75% | 7 | 0 | 0 | 0 |
| State | 3 | 4 | 75% | 9 | 0 | 2 | 0 |
| Cove | 1 | 4 | 25% | 2 | 0 | 2 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 4 | 4 | 100% | 13 | 0 | 3 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 2 | 0 | 1 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Flood-prone parking

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 7 | 0 | 2 | 1 |
| AA Insurance | 4 | 4 | 100% | 5 | 0 | 0 | 1 |
| Tower | 4 | 4 | 100% | 4 | 0 | 2 | 1 |
| State | 4 | 4 | 100% | 6 | 0 | 1 | 0 |
| Cove | 2 | 4 | 50% | 2 | 0 | 0 | 1 |
| Trade Me Insurance | 2 | 4 | 50% | 1 | 1 | 0 | 1 |
| FMG | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 1 | 2 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 1 | 4 | 25% | 0 | 1 | 0 | 0 |
| Vero | 1 | 4 | 25% | 1 | 1 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Imported car

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 2 | 4 | 50% | 2 | 1 | 1 | 1 |
| AA Insurance | 2 | 4 | 50% | 3 | 0 | 2 | 3 |
| Tower | 1 | 4 | 25% | 2 | 0 | 1 | 0 |
| State | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| Cove | 1 | 4 | 25% | 3 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 2 | 0 | 1 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 2 | 4 | 50% | 5 | 0 | 1 | 0 |
| Classic Cover | 4 | 4 | 100% | 12 | 0 | 1 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 3 | 4 | 75% | 10 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## After a frustrating claim

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 3 | 4 | 75% | 5 | 0 | 2 | 2 |
| AA Insurance | 4 | 4 | 100% | 13 | 0 | 2 | 0 |
| Tower | 3 | 4 | 75% | 5 | 1 | 3 | 1 |
| State | 3 | 4 | 75% | 7 | 0 | 3 | 2 |
| Cove | 4 | 4 | 100% | 9 | 1 | 3 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 2 | 0 | 2 | 0 |
| FMG | 2 | 4 | 50% | 6 | 0 | 0 | 0 |
| MAS | 2 | 4 | 50% | 8 | 0 | 2 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Someone to call

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 13 | 1 | 3 | 0 |
| AA Insurance | 1 | 4 | 25% | 1 | 1 | 0 | 1 |
| Tower | 3 | 4 | 75% | 4 | 0 | 5 | 1 |
| State | 4 | 4 | 100% | 7 | 0 | 5 | 1 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 1 | 4 | 25% | 3 | 0 | 1 | 0 |
| NZI | 2 | 4 | 50% | 3 | 0 | 1 | 0 |
| ASB Insurance | 2 | 4 | 50% | 2 | 0 | 2 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 2 | 4 | 50% | 0 | 0 | 2 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Managing insurance online

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 3 | 4 | 75% | 14 | 0 | 2 | 0 |
| AA Insurance | 4 | 4 | 100% | 20 | 0 | 2 | 0 |
| Tower | 4 | 4 | 100% | 17 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 15 | 0 | 2 | 0 |
| Cove | 4 | 4 | 100% | 18 | 0 | 1 | 0 |
| Trade Me Insurance | 3 | 4 | 75% | 5 | 0 | 2 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 1 | 4 | 25% | 2 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 2 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## After purchase, AI helps people work through the policy and the claim.

The thirty-two support answers cover renewal, switching, a parked-car excess, damage around a move, a disputed repair or write-off, and transport to a distant repairer.

The answers help people identify the relevant policy terms, gather evidence, ask their insurer for an explanation and follow the complaints process. The insurer names in these answers are policy examples or options for a future renewal; they are not recommendations for another insurer to handle an existing claim.

### Someone crashed into our family car while it was parked. Why does our insurer say we might have to pay an excess? · ChatGPT

The key issue is usually whether your insurer can identify the responsible driver and recover the costs from them, along with the terms of your particular policy.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/3b10b720-3fc1-47c1-b795-943a40fa3e01.json)

### My car was damaged at our old flat just before we moved. Which address matters when I tell the insurer about the claim? · ChatGPT

There are usually two different addresses to distinguish:

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/c0a43957-bb0a-4c59-bd39-7687b41095e8.json)

### Our car was damaged on a gravel road and the insurer's repairer is hours away. Will they help us get the car there? · ChatGPT

but it depends on your policy, the type of damage, and whether the insurer has approved the transport.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/dc409ecc-2217-479a-b83c-0a4b37513a59.json)

### What are my dispute options if a repair or write-off settlement seems wrong? · ChatGPT

Your options depend on whether the dispute concerns the repair quality, the decision to write off your vehicle, its pre-accident value, or the amount offered in settlement.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/c2de88bd-a995-40b5-a706-be56bb362ff1.json)

## Platforms

| Platform | Answers recommending AMI | Collected answers |
| --- | --- | --- |
| ChatGPT | 12 | 12 |
| Gemini | 12 | 12 |
| AI Overviews | 9 | 12 |
| Google AI Mode | 10 | 12 |

## Regional comparisons

## Northland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 4 | 0 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 6 | 1 | 3 | 0 |
| Tower | 4 | 4 | 100% | 4 | 0 | 6 | 0 |
| State | 4 | 4 | 100% | 5 | 0 | 3 | 0 |
| Cove | 4 | 4 | 100% | 5 | 1 | 3 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 2 | 0 | 0 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Auckland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 8 | 0 | 5 | 0 |
| AA Insurance | 4 | 4 | 100% | 11 | 0 | 1 | 0 |
| Tower | 4 | 4 | 100% | 9 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 7 | 0 | 2 | 1 |
| Cove | 4 | 4 | 100% | 9 | 1 | 3 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| FMG | 2 | 4 | 50% | 2 | 0 | 1 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Waikato

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 5 | 0 | 7 | 0 |
| AA Insurance | 4 | 4 | 100% | 10 | 0 | 3 | 0 |
| Tower | 4 | 4 | 100% | 8 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 3 | 0 | 7 | 0 |
| Cove | 4 | 4 | 100% | 6 | 1 | 5 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| FMG | 2 | 4 | 50% | 3 | 0 | 1 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 2 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |

## Bay of Plenty

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 3 | 4 | 75% | 4 | 1 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 10 | 0 | 4 | 0 |
| Tower | 4 | 4 | 100% | 7 | 0 | 5 | 0 |
| State | 4 | 4 | 100% | 7 | 1 | 5 | 0 |
| Cove | 4 | 4 | 100% | 9 | 0 | 4 | 0 |
| Trade Me Insurance | 3 | 4 | 75% | 5 | 0 | 3 | 0 |
| FMG | 3 | 4 | 75% | 7 | 0 | 2 | 0 |
| MAS | 1 | 4 | 25% | 3 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Gisborne

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 9 | 0 | 1 | 0 |
| AA Insurance | 4 | 4 | 100% | 12 | 0 | 1 | 0 |
| Tower | 4 | 4 | 100% | 8 | 0 | 2 | 0 |
| State | 4 | 4 | 100% | 9 | 0 | 1 | 0 |
| Cove | 4 | 4 | 100% | 9 | 0 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| NZI | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Hawke’s Bay

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 4 | 0 | 8 | 0 |
| AA Insurance | 4 | 4 | 100% | 6 | 1 | 2 | 0 |
| Tower | 4 | 4 | 100% | 5 | 0 | 3 | 1 |
| State | 4 | 4 | 100% | 4 | 0 | 5 | 0 |
| Cove | 4 | 4 | 100% | 5 | 0 | 4 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| FMG | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Taranaki

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 8 | 0 | 3 | 0 |
| AA Insurance | 4 | 4 | 100% | 9 | 0 | 3 | 0 |
| Tower | 4 | 4 | 100% | 7 | 0 | 4 | 0 |
| State | 4 | 4 | 100% | 9 | 0 | 2 | 0 |
| Cove | 4 | 4 | 100% | 6 | 1 | 3 | 1 |
| Trade Me Insurance | 2 | 4 | 50% | 3 | 0 | 1 | 0 |
| FMG | 2 | 4 | 50% | 3 | 0 | 1 | 0 |
| MAS | 1 | 4 | 25% | 0 | 1 | 0 | 0 |
| NZI | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Manawatū–Whanganui

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 4 | 0 | 5 | 0 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 2 | 0 |
| Tower | 4 | 4 | 100% | 5 | 0 | 3 | 1 |
| State | 4 | 4 | 100% | 4 | 0 | 3 | 0 |
| Cove | 4 | 4 | 100% | 6 | 0 | 3 | 1 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| FMG | 3 | 4 | 75% | 6 | 0 | 1 | 0 |
| MAS | 3 | 4 | 75% | 5 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Wellington

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 9 | 0 | 6 | 0 |
| AA Insurance | 4 | 4 | 100% | 12 | 0 | 2 | 0 |
| Tower | 4 | 4 | 100% | 11 | 0 | 1 | 0 |
| State | 4 | 4 | 100% | 10 | 0 | 3 | 0 |
| Cove | 3 | 4 | 75% | 3 | 1 | 0 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Tasman

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 10 | 0 | 7 | 0 |
| AA Insurance | 4 | 4 | 100% | 13 | 0 | 1 | 0 |
| Tower | 4 | 4 | 100% | 14 | 0 | 1 | 0 |
| State | 4 | 4 | 100% | 11 | 0 | 3 | 0 |
| Cove | 4 | 4 | 100% | 14 | 0 | 2 | 1 |
| Trade Me Insurance | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| FMG | 1 | 4 | 25% | 3 | 0 | 1 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Nelson

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 8 | 0 | 3 | 0 |
| AA Insurance | 4 | 4 | 100% | 9 | 0 | 2 | 0 |
| Tower | 4 | 4 | 100% | 8 | 0 | 2 | 0 |
| State | 4 | 4 | 100% | 6 | 0 | 3 | 0 |
| Cove | 4 | 4 | 100% | 5 | 1 | 3 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| FMG | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| MAS | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Marlborough

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 7 | 0 | 2 | 0 |
| AA Insurance | 4 | 4 | 100% | 12 | 0 | 1 | 0 |
| Tower | 4 | 4 | 100% | 8 | 1 | 1 | 0 |
| State | 4 | 4 | 100% | 8 | 0 | 3 | 0 |
| Cove | 4 | 4 | 100% | 9 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 3 | 0 | 0 | 0 |
| FMG | 1 | 4 | 25% | 3 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## West Coast

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 9 | 0 | 7 | 1 |
| AA Insurance | 4 | 4 | 100% | 14 | 0 | 5 | 0 |
| Tower | 4 | 4 | 100% | 9 | 0 | 4 | 0 |
| State | 4 | 4 | 100% | 11 | 0 | 5 | 1 |
| Cove | 3 | 4 | 75% | 6 | 0 | 3 | 1 |
| Trade Me Insurance | 2 | 4 | 50% | 2 | 0 | 2 | 0 |
| FMG | 4 | 4 | 100% | 10 | 0 | 4 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Canterbury

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 5 | 0 | 6 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 5 | 0 |
| Tower | 4 | 4 | 100% | 5 | 0 | 7 | 0 |
| State | 4 | 4 | 100% | 4 | 0 | 9 | 0 |
| Cove | 4 | 4 | 100% | 5 | 1 | 5 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 2 | 0 | 4 | 0 |
| FMG | 2 | 4 | 50% | 3 | 0 | 4 | 0 |
| MAS | 2 | 4 | 50% | 3 | 0 | 3 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Otago

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 10 | 0 | 4 | 1 |
| AA Insurance | 4 | 4 | 100% | 13 | 0 | 2 | 0 |
| Tower | 4 | 4 | 100% | 9 | 0 | 4 | 1 |
| State | 4 | 4 | 100% | 11 | 0 | 3 | 1 |
| Cove | 2 | 4 | 50% | 6 | 0 | 2 | 1 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| MAS | 1 | 4 | 25% | 3 | 0 | 2 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Southland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| AMI | 4 | 4 | 100% | 14 | 0 | 5 | 0 |
| AA Insurance | 4 | 4 | 100% | 14 | 0 | 4 | 0 |
| Tower | 4 | 4 | 100% | 13 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 13 | 0 | 2 | 0 |
| Cove | 4 | 4 | 100% | 12 | 2 | 2 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| FMG | 2 | 4 | 50% | 5 | 0 | 0 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Assurant / Protecta | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Classic Cover | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Star Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| SBS Insurance | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Regions

[Northland](https://nzbrands.ai/research/insurance/car-insurance/regions/northland)

[Auckland](https://nzbrands.ai/research/insurance/car-insurance/regions/auckland)

[Waikato](https://nzbrands.ai/research/insurance/car-insurance/regions/waikato)

[Bay of Plenty](https://nzbrands.ai/research/insurance/car-insurance/regions/bay-of-plenty)

[Gisborne](https://nzbrands.ai/research/insurance/car-insurance/regions/gisborne)

[Hawke’s Bay](https://nzbrands.ai/research/insurance/car-insurance/regions/hawke-s-bay)

[Taranaki](https://nzbrands.ai/research/insurance/car-insurance/regions/taranaki)

[Manawatū–Whanganui](https://nzbrands.ai/research/insurance/car-insurance/regions/manawatu-whanganui)

[Wellington](https://nzbrands.ai/research/insurance/car-insurance/regions/wellington)

[Tasman](https://nzbrands.ai/research/insurance/car-insurance/regions/tasman)

[Nelson](https://nzbrands.ai/research/insurance/car-insurance/regions/nelson)

[Marlborough](https://nzbrands.ai/research/insurance/car-insurance/regions/marlborough)

[West Coast](https://nzbrands.ai/research/insurance/car-insurance/regions/west-coast)

[Canterbury](https://nzbrands.ai/research/insurance/car-insurance/regions/canterbury)

[Otago](https://nzbrands.ai/research/insurance/car-insurance/regions/otago)

[Southland](https://nzbrands.ai/research/insurance/car-insurance/regions/southland)

## Consumer profiles

[Everyday family car](https://nzbrands.ai/research/insurance/car-insurance/consumers/p01): We have a family car that we use every day.

[First car](https://nzbrands.ai/research/insurance/car-insurance/consumers/p02): I have just bought my first car and need insurance.

[Tight budget](https://nzbrands.ai/research/insurance/car-insurance/consumers/p03): My budget is tight and I need affordable car insurance.

[Renting and moving](https://nzbrands.ai/research/insurance/car-insurance/consumers/p04): I am a renter and move home quite often.

[Young driver](https://nzbrands.ai/research/insurance/car-insurance/consumers/p05): I am a young driver arranging insurance on my own.

[School and work trips](https://nzbrands.ai/research/insurance/car-insurance/consumers/p06): We have kids and rely on our car for school and work.

[Rural driving](https://nzbrands.ai/research/insurance/car-insurance/consumers/p07): I live rurally and drive long distances.

[Flood-prone parking](https://nzbrands.ai/research/insurance/car-insurance/consumers/p08): My car is often parked in an area that floods.

[Imported car](https://nzbrands.ai/research/insurance/car-insurance/consumers/p09): I have an imported car that needs specialist parts.

[After a frustrating claim](https://nzbrands.ai/research/insurance/car-insurance/consumers/p10): I had a frustrating car insurance claim last year.

[Someone to call](https://nzbrands.ai/research/insurance/car-insurance/consumers/p11): I want to be able to call someone when my car has a problem.

[Managing insurance online](https://nzbrands.ai/research/insurance/car-insurance/consumers/p12): I want to buy and manage car insurance online.

## Sources

## ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| consumerprotection.govt.nz | 139 |
| consumer.org.nz | 127 |
| ami.co.nz | 88 |
| state.co.nz | 86 |
| icnz.org.nz | 82 |
| aainsurance.co.nz | 78 |
| mas.co.nz | 70 |
| canstar.co.nz | 57 |
| nzi.co.nz | 52 |
| aa.co.nz | 46 |

## Gemini

| Website | Answers with this website recorded |
| --- | --- |
| quashed.co.nz | 63 |
| moneyhub.co.nz | 50 |
| insurspy.co.nz | 36 |
| canstar.co.nz | 31 |
| aainsurance.co.nz | 30 |
| ami.co.nz | 28 |
| tower.co.nz | 20 |
| consumer.org.nz | 18 |
| state.co.nz | 16 |
| consumerprotection.govt.nz | 14 |

## Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 50 |
| aainsurance.co.nz | 44 |
| consumer.org.nz | 43 |
| quashed.co.nz | 43 |
| canstar.co.nz | 41 |
| tower.co.nz | 30 |
| insurspy.co.nz | 28 |
| ami.co.nz | 20 |
| icnz.org.nz | 11 |
| ifso.nz | 11 |

## AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| quashed.co.nz | 83 |
| aainsurance.co.nz | 80 |
| canstar.co.nz | 68 |
| tower.co.nz | 67 |
| moneyhub.co.nz | 63 |
| ami.co.nz | 58 |
| state.co.nz | 56 |
| insurspy.co.nz | 42 |
| consumer.org.nz | 40 |
| quotehub.co.nz | 36 |

## Accuracy

### Availability and service · ChatGPT

Verdict: correct.

What the answer said: Trade Me Insurance — trademeinsurance.co.nz. Worth checking for another price comparison; its motor insurance is underwritten by Tower. Initio — initio.co.nz. An online option worth comparing for comprehensive or third-party, fire and theft cover. MAS — mas.co.nz. Worth checking if you're eligible for its insurance products.

What the primary source says: Initio lists Full Cover, Third Party Fire & Theft and Third Party.

[Initio: car cover and FAQs](https://initio.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/3ebc3ff7-c079-4109-b5ce-75dd549321c5.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Worth checking for an online quote if you want a straightforward digital experience. Its listed car cover is comprehensive, so check whether that fits your budget.

What the primary source says: Cove advertises comprehensive car cover.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/3562a898-a4b4-4d3a-bb22-87cbb7fd2c05.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Important: Cove does not offer cover to drivers under 21, according to Consumer NZ's policy survey. Additional excesses can apply to inexperienced drivers. Car insurance

What the primary source says: Drivers under 21 are excluded, including occasional unnamed drivers.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/70a675a0-babd-4610-a064-6d99e6861913.json)

### Policy benefits and eligibility · AI Overviews

Verdict: correct.

What the answer said: Cove: A great option if you want a entirely digital, app-managed experience with fast, online sign-up. They frequently offer modern incentives such as a free month of coverage or promotional dollar discounts. Note: Cove generally does not provide standard comprehensive coverage for drivers under 21 years old.

What the primary source says: Drivers under 21 are excluded, including occasional unnamed drivers.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/70a675a0-babd-4610-a064-6d99e6861913.json)

### Insurer identity · AI Overviews

Verdict: correct.

What the answer said: Cove Insurance; A digital-first provider that is frequently the cheapest alternative in pricing models. Offers simplified monthly payment structures and a paperless portal.; Aioi Nissay Dowa

What the primary source says: Car is issued by Cove under Aioi Nissay Dowa authority.

[Cove: current policy documents and legal issuers](https://www.coveinsurance.co.nz/policy-documents/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/13899224-9ebd-4219-b3be-c38f3d51f0db.json)

### Price and discounts · AI Overviews

Verdict: unclear.

What the answer said: Insurers like Cove Insurance adjust premiums based on weekly usage days. … Choosing 0–2 days instead of full-time driving can reduce premiums by up to 20%.

What the primary source says: Published car product and policy sources do not verify a usage-based 20% saving; no primary offer located.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/2bba0f9f-cbe2-4a62-85c3-c81baabb7ce1.json)

### Availability and service · ChatGPT

Verdict: correct.

What the answer said: In New Zealand, you can complete most or all of the car insurance process online, without a phone call, if you choose an insurer with a fully online quote-and-buy process.

What the primary source says: Online quote, purchase and claim lodgement are supported; eligible simple claims can auto-approve. This does not promise automated settlement of every claim.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0c2f7607-6c10-460e-aa9d-08b44a0eb165.json)

### Availability and service · Gemini

Verdict: correct.

What the answer said: In New Zealand, the vast majority of mainstream car insurance providers (such as AA Insurance, Tower, State, AMI, Cove, and AMP) allow you to complete almost the entire lifecycle of getting a policy completely online without ever needing to make a phone call.

What the primary source says: Online quote, purchase and claim lodgement are supported; eligible simple claims can auto-approve. This does not promise automated settlement of every claim.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0c2f7607-6c10-460e-aa9d-08b44a0eb165.json)

### Availability and service · AI Overviews

Verdict: correct.

What the answer said: In New Zealand, you can complete virtually the entire car insurance lifecycle online without ever making a phone call. Major Kiwi insurers like Cove, State, Tower, and AMI design their systems for a "digital-first" experience.

What the primary source says: Online quote, purchase and claim lodgement are supported; eligible simple claims can auto-approve. This does not promise automated settlement of every claim.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0c2f7607-6c10-460e-aa9d-08b44a0eb165.json)

### Availability and service · Google AI Mode

Verdict: correct.

What the answer said: In New Zealand , the entire standard lifecycle of car insurance—from researching to claiming—can typically be completed completely online without ever needing to make a phone call, provided your situation is straightforward. Modern digital insurers (such as Cove or Tower) as well as traditional heavyweights (such as AA Insurance and AMI) support fully automated web journeys.

What the primary source says: Online quote, purchase and claim lodgement are supported; eligible simple claims can auto-approve. This does not promise automated settlement of every claim.

[Cove: car policy, eligibility, insurer disclosure and pricing terms](https://www.coveinsurance.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0c2f7607-6c10-460e-aa9d-08b44a0eb165.json)

### Price and discounts · Gemini

Verdict: unclear.

What the answer said: 1. Major Direct Insurers (Good for broad comparison & multi-policy discounts) … Tower: Often noted for having some of the most comprehensive standard benefits on the market (such as excess-free key replacement limits and lifetime repair guarantees if you stay with them).

What the primary source says: Discount ends for listed new/renewing policies from 28 January 2026, with transitional provisions.

[Tower: end of multi-policy discount](https://www.tower.co.nz/terms-and-conditions/multi-policy-discount-terms/mpd/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/13899224-9ebd-4219-b3be-c38f3d51f0db.json)

### Price and discounts · AI Overviews

Verdict: correct.

What the answer said: Tower Insurance; Ideal for experienced drivers. Offers clear online tracking and standard safety feature discounts. Note: Tower removed its multi-policy discounts.; NZX-Listed

What the primary source says: Discount ends for listed new/renewing policies from 28 January 2026, with transitional provisions.

[Tower: end of multi-policy discount](https://www.tower.co.nz/terms-and-conditions/multi-policy-discount-terms/mpd/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/13899224-9ebd-4219-b3be-c38f3d51f0db.json)

### Price and discounts · AI Overviews

Verdict: correct.

What the answer said: 1. The Phase-out of Multi-Policy/Bundle Discounts: A widespread industry shift across New Zealand has resulted in major insurers (including State, AMI, AA Insurance, Tower, and Cove) completely phasing out multi-policy discounts.

What the primary source says: Multi-policy discount unavailable on new/renewing policies from 28 January 2025.

[AA Insurance: discount changes from 28 January 2025](https://www.aainsurance.co.nz/help/article/360001357055-Do-you-offer-any-package-discounts) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/07ce1360-b511-4bd4-bf19-7b82ca4490c1.json)

### Price and discounts · Google AI Mode

Verdict: correct.

What the answer said: 3. Shop around or bundle: While major NZ insurers like AA Insurance and Tower have largely phased out traditional multi-policy bundling discounts, it is still wise to compare quotes across providers or use a comparison platform like Quashed to find the most competitive rates for the split cover.

What the primary source says: Multi-policy discount unavailable on new/renewing policies from 28 January 2025.

[AA Insurance: discount changes from 28 January 2025](https://www.aainsurance.co.nz/help/article/360001357055-Do-you-offer-any-package-discounts) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/07ce1360-b511-4bd4-bf19-7b82ca4490c1.json)

### Price and discounts · AI Overviews

Verdict: unclear.

What the answer said: AMI Insurance; Known for loyalty rewards where your excess can reduce each year you remain claim-free. Shares the same underlying platform as State.; IAG New Zealand

What the primary source says: No primary evidence located for annual claim-free loyalty excess reduction; cannot rule out separate legacy promotion.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/13899224-9ebd-4219-b3be-c38f3d51f0db.json)

### Policy benefits and eligibility · Gemini

Verdict: correct.

What the answer said: Key Perks & Extras: Tower stands out for breadth of standard benefits—offering excess-free key replacement (up to $1,000) on comprehensive policies if keys are lost or stolen. Other providers might charge an excess or treat glass/windscreen cover and temporary rental cars as optional add-ons.

What the primary source says: Comprehensive lost/stolen/copied keys: $1,000, no excess.

[Tower: car wording, key cover and discount conditions](https://www.tower.co.nz/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/312267c7-f12d-4ac9-8a92-92632aa71870.json)

### Policy benefits and eligibility · Gemini

Verdict: wrong.

What the answer said: AA Insurance … • Windscreen and key cover typically require optional add-ons (though key replacement has specific excess-free conditions if stolen).

What the primary source says: Comprehensive includes key/lock cover; excess-free glass is an optional benefit.

[AA Insurance: car wording, discounts, glass options and repair guarantee](https://www.aainsurance.co.nz/car-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/4bfd0e16-b36f-4dca-a7df-259e6d8e3ecb.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: Roadside Rescue costs $39 a year and provides up to five callouts, 24/7 around New Zealand. Help includes flat batteries, flat tyres, breakdowns and running out of fuel. Additional callouts cost $50 each. State Roadside Rescue

What the primary source says: Roadside add-on $39 yearly.

[State: Roadside Rescue price, limits and conditions](https://www.state.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · Gemini

Verdict: correct.

What the answer said: 2. State Insurance The Deal: State offers Roadside Rescue as an affordable optional add-on to any of their car insurance policies for a small annual fee (typically around $39 a year for up to five callouts). Key Perks: Their rescue service covers the vehicle itself, meaning whoever happens to be behind the wheel at the time of a breakdown can call for help. They provide 24/7 nationwide support for towing, flat batteries (including EVs), flat tyres, lockouts, and emergency fuel.

What the primary source says: Roadside add-on $39 yearly.

[State: Roadside Rescue price, limits and conditions](https://www.state.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · AI Overviews

Verdict: correct.

What the answer said: How it works: State offers "State Roadside Rescue" as an optional extra for about $39/year for their policyholders.

What the primary source says: Roadside add-on $39 yearly.

[State: Roadside Rescue price, limits and conditions](https://www.state.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: Roadside Rescue costs $39 a year and provides up to five callouts, 24/7 around New Zealand. Help includes flat batteries, flat tyres, breakdowns and running out of fuel. Additional callouts cost $50 each. State Roadside Rescue

What the primary source says: Up to five roadside callouts per year.

[State: Roadside Rescue price, limits and conditions](https://www.state.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · Gemini

Verdict: correct.

What the answer said: 2. State Insurance The Deal: State offers Roadside Rescue as an affordable optional add-on to any of their car insurance policies for a small annual fee (typically around $39 a year for up to five callouts). Key Perks: Their rescue service covers the vehicle itself, meaning whoever happens to be behind the wheel at the time of a breakdown can call for help. They provide 24/7 nationwide support for towing, flat batteries (including EVs), flat tyres, lockouts, and emergency fuel.

What the primary source says: Up to five roadside callouts per year.

[State: Roadside Rescue price, limits and conditions](https://www.state.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · AI Overviews

Verdict: correct.

What the answer said: Key perk: It allows up to 5 free callouts per year (which is higher than most other add-on policies, which usually limit you to 3).

What the primary source says: Up to five roadside callouts per year.

[State: Roadside Rescue price, limits and conditions](https://www.state.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: Roadside Rescue costs $39 a year and provides up to five callouts, 24/7 around New Zealand. Help includes flat batteries, flat tyres, breakdowns and running out of fuel. Additional callouts cost $50 each. State Roadside Rescue

What the primary source says: Additional roadside callouts: $50 including GST; other costs can apply.

[State: Roadside Rescue price, limits and conditions](https://www.state.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: Roadside Rescue is included with comprehensive car insurance. It offers 24/7 nationwide help, including jump-starts, flat tyres and lockouts, with unlimited callouts advertised. It can also be purchased separately. AMI Roadside Rescue CoverageAMI Car Insurance ; Online Quote

What the primary source says: Roadside Rescue free with eligible Comprehensive Car cover.

[AMI: Roadside Rescue eligibility and conditions](https://www.ami.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · Gemini

Verdict: correct.

What the answer said: 1. AMI Insurance The Deal: AMI includes roadside assistance free with their Comprehensive car insurance policies. Key Perks: Unlike many policies that tie assistance strictly to a single vehicle, AMI’s roadside rescue covers you when driving any eligible car, as well as anyone else driving your insured car. It features unlimited callouts for mechanical breakdowns, flat batteries, flat tyres, lost keys, and running out of fuel.

What the primary source says: Roadside Rescue free with eligible Comprehensive Car cover.

[AMI: Roadside Rescue eligibility and conditions](https://www.ami.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · AI Overviews

Verdict: correct.

What the answer said: How it works: AMI Roadside Rescue is automatically included for free if you buy their Comprehensive Car Insurance policy. If you have a different level of cover with them, you can add it for $49/year.

What the primary source says: Roadside Rescue free with eligible Comprehensive Car cover.

[AMI: Roadside Rescue eligibility and conditions](https://www.ami.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · Google AI Mode

Verdict: correct.

What the answer said: AMI Insurance : Highly rated for roadside cover (recognized by Consumer NZ). 24/7 nationwide Roadside Rescue is included free with their Comprehensive Car Insurance policies. It covers the vehicle regardless of who is driving and includes towing, flat batteries, flat tyres, and lockout/taxi benefits. [AMI Insurance]

What the primary source says: Roadside Rescue free with eligible Comprehensive Car cover.

[AMI: Roadside Rescue eligibility and conditions](https://www.ami.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: Roadside Rescue is included with comprehensive car insurance. It offers 24/7 nationwide help, including jump-starts, flat tyres and lockouts, with unlimited callouts advertised. It can also be purchased separately. AMI Roadside Rescue CoverageAMI Car Insurance ; Online Quote

What the primary source says: Unlimited callouts; specific service limits still apply.

[AMI: Roadside Rescue eligibility and conditions](https://www.ami.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · Gemini

Verdict: correct.

What the answer said: 1. AMI Insurance The Deal: AMI includes roadside assistance free with their Comprehensive car insurance policies. Key Perks: Unlike many policies that tie assistance strictly to a single vehicle, AMI’s roadside rescue covers you when driving any eligible car, as well as anyone else driving your insured car. It features unlimited callouts for mechanical breakdowns, flat batteries, flat tyres, lost keys, and running out of fuel.

What the primary source says: Unlimited callouts; specific service limits still apply.

[AMI: Roadside Rescue eligibility and conditions](https://www.ami.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · AI Overviews

Verdict: correct.

What the answer said: Key perk: It stands out because it offers unlimited callouts per year. It also covers you while driving any car, as well as anyone else driving your insured car.

What the primary source says: Unlimited callouts; specific service limits still apply.

[AMI: Roadside Rescue eligibility and conditions](https://www.ami.co.nz/car-insurance/roadside-rescue) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: You can add RoadWise to a Tower car insurance policy. It covers common problems such as flat batteries, flat tyres and running out of fuel, and can arrange towing if needed. The published benefits include three free callouts per year. RoadWise® Roadside AssistanceRoadside Assistance NZ: What Options Are There?

What the primary source says: RoadWise includes three callouts per year, as a paid optional benefit.

[Tower: RoadWise policy benefits and limits](https://www.tower.co.nz/car-insurance/roadwise/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · AI Overviews

Verdict: correct.

What the answer said: How it works: Tower Insurance offers an optional benefit called RoadWise®. Because Westpac NZ car insurance is underwritten by Tower, they offer a very similar version (sometimes called Auto Assist) for a small monthly premium add-on. Key perk: It covers the vehicle rather than the driver (meaning anyone driving your car is covered). However, it is capped at 3 free callouts per policy year.

What the primary source says: RoadWise includes three callouts per year, as a paid optional benefit.

[Tower: RoadWise policy benefits and limits](https://www.tower.co.nz/car-insurance/roadwise/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: Eligible comprehensive motor policies include roadside assistance provided by AA Roadservice, with no extra charge for standard roadside assistance services. Check eligibility and the applicable policy terms. Motor Vehicle, Bike and Car Insurance

What the primary source says: Comprehensive includes vehicle-linked AA-provided roadside assistance.

[MAS: motor wording and roadside conditions](https://www.mas.co.nz/insurance/motor-vehicle-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · ChatGPT

Verdict: correct.

What the answer said: AA Roadservice is worth comparing if you mainly want someone to call when your car breaks down. Its personal membership covers you as a driver or passenger, rather than being tied to one specific vehicle. The AA advertises 24/7 breakdown assistance and has an app for requesting help. AA Roadservice

What the primary source says: Personal membership follows the member as driver or passenger, within service eligibility.

[AA: Roadservice membership price, benefits and terms](https://www.aa.co.nz/membership/roadservice-breakdown-assistance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · Gemini

Verdict: correct.

What the answer said: Alternative Option: Standalone Provider (The AA) If you prefer flexibility or choose an insurer that doesn't bundle roadside assistance, you can also join the New Zealand Automobile Association (AA) independently. Unlike insurance add-ons that typically follow the car, an AA Membership follows you. This means you are covered whether you are driving your own car, a friend's car, or even sitting as a passenger when a breakdown occurs anywhere in New Zealand.

What the primary source says: Personal membership follows the member as driver or passenger, within service eligibility.

[AA: Roadservice membership price, benefits and terms](https://www.aa.co.nz/membership/roadservice-breakdown-assistance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · AI Overviews

Verdict: correct.

What the answer said: Key perk: To get roadside assistance through the AA, you need an AA Personal Membership. This is a separate subscription (around $89+ per year). The major benefit of AA Membership is that it covers you personally as a driver or passenger in any vehicle , regardless of who owns it.

What the primary source says: Personal membership follows the member as driver or passenger, within service eligibility.

[AA: Roadservice membership price, benefits and terms](https://www.aa.co.nz/membership/roadservice-breakdown-assistance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Roadside support · AI Overviews

Verdict: correct.

What the answer said: Key perk: To get roadside assistance through the AA, you need an AA Personal Membership. This is a separate subscription (around $89+ per year). The major benefit of AA Membership is that it covers you personally as a driver or passenger in any vehicle , regardless of who owns it. … AA Membership (Separate from insurance); ~$89+ / year; 6 callouts per year; Covers you personally in any car

What the primary source says: First-year standard: Auckland $99, elsewhere $89; six callouts, unlimited after ten years.

[AA: membership fees and tenure callout limits](https://www.aa.co.nz/membership/options-and-fees/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d40631a9-7254-4935-acbc-f6daebbbf839.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: MAS — another option to investigate, particularly if customer satisfaction matters to you. MAS received Canstar's 2026 Most Satisfied Customers award for car insurance. Check eligibility and online service options before applying. Best Car Insurance Star Ratings and AwardsGet a Motor Vehicle Insurance Quote

What the primary source says: MAS won overall motor customer satisfaction.

[Canstar: car awards and methodology for the stated year](https://www.canstar.co.nz/car-insurance/awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/fb2d05c8-0f13-416a-9565-9d05dbe4b615.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: Insurer ; How it performed ; ; State ; Ranked first for car insurance claims satisfaction, with its customers scoring it at the maximum in all six assessment categories. ; ; AA Insurance ; Ranked second in the claims award results. ; ; AMI ; Ranked third. ; ; Tower ; Included in the assessment but ranked below the three above. ; ; Vero ; Also included in the assessment.

What the primary source says: State won claims satisfaction, maximum scores in all six categories.

[Canstar: car awards and methodology for the stated year](https://www.canstar.co.nz/car-insurance/awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d4515bcb-fe9f-4197-a156-45d2482640e3.json)

### Awards and survey evidence · AI Overviews

Verdict: unclear.

What the answer said: AA Insurance: A massive corporate provider that defies the "big insurer" stereotype by maintaining great claims satisfaction. Exceeded strict benchmarks with an 88% overall satisfaction rating from its members and won Canstar's car insurance claims satisfaction award. AA Insurance wins Consumer NZ People's Choice Award forBest Car Insurance in New Zealand 2026: Expert Ratings & Real

What the primary source says: State won claims satisfaction, maximum scores in all six categories.

[Canstar: car awards and methodology for the stated year](https://www.canstar.co.nz/car-insurance/awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d4515bcb-fe9f-4197-a156-45d2482640e3.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: Source: Canstar NZ — 2026 car insurance awards. The claims award covered 809 customers who had recently made a car insurance claim. These results are a useful starting point, although they don't guarantee your personal experience will be the same. canstar.co.nz

What the primary source says: Claims award survey: 809 recent claimants.

[Canstar: car awards and methodology for the stated year](https://www.canstar.co.nz/car-insurance/awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/d4515bcb-fe9f-4197-a156-45d2482640e3.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: AA Insurance — A useful starting point because it won Canstar's 2025 Most Satisfied Customers Car Insurance Claims Award. The award was based on a survey of 1,110 customers across five car insurers. It is a positive signal, although it doesn't guarantee that every claim will go smoothly. Canstar

What the primary source says: AA won the 2025 claims award; 1,110 respondents, five qualifying brands.

[Canstar: historical car claims award release and methodology](https://www.canstar.co.nz/star-rating-reports/msc-award-car-insurance-claims/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/9ea6fac2-9885-4ad8-8329-07ab7cce340a.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: AA Insurance — has received positive customer satisfaction recognition, including a Consumer NZ People’s Choice Award for car insurance, and has also performed strongly in some claims satisfaction research. AA Insurance

What the primary source says: AA received Consumer car People’s Choice in 2026 and previously 2021.

[AA Insurance: Consumer car award, 25 August 2026](https://www.aainsurance.co.nz/newsroom/press-releases/consumer-people-choice-aainsurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/50395f40-c817-4266-9afb-ff98d53b7e74.json)

### Price and discounts · ChatGPT

Verdict: correct.

What the answer said: Consumer NZ's 2025 car insurance survey found a difference of up to $1,296 a year between providers for comprehensive cover in its comparisons. The saving for your household will depend on your vehicles and circumstances. Car insurance buying guide4 simple ways to save $3000 in 2026

What the primary source says: 2025 comparison: nine providers, four age bands, savings ranged $481–$1,296.

[Consumer NZ: 2025 motor premium comparison](https://www.consumer.org.nz/money/insurance/car-insurance/consumer-nz-finds-some-car-insurance-premiums-have-almost-doubled-since-2023) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/07fcff59-8fa8-46ab-a1db-77b7342fe7d0.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: For example, both AMI and State explicitly identify IAG New Zealand Limited as their underwriter. Trusted by New Zealanders for over 100 yearsFinancial Advice Disclosure

What the primary source says: AMI and State legal disclosures identify IAG NZ.

[AMI: ownership and legal insurer disclosure](https://www.ami.co.nz/about) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · Gemini

Verdict: correct.

What the answer said: IAG New Zealand (Insurance Australia Group): IAG is one of the largest general insurers in the country and underwrites several well-known direct-to-consumer brands, including AMI and State. They also provide insurance products distributed through banking partners like ASB, BNZ, and The Co-operative Bank, as well as broker-focused brands like NZI and Lumley.

What the primary source says: AMI and State legal disclosures identify IAG NZ.

[AMI: ownership and legal insurer disclosure](https://www.ami.co.nz/about) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · AI Overviews

Verdict: correct.

What the answer said: Underwriter; Front-Facing Insurance Brands; Banking Partners; Specialty & Corporate White-Labels IAG New Zealand; AMI, State, NZI, Lantern; ASB, BNZ, Co-Operative Bank; Swann Insurance (motorcycles/specialty), NAC Vero Insurance / Suncorp NZ; AA Insurance (Joint venture) , Vero; ANZ; Autosure, AMP, The Warehouse Group Tower Insurance; Tower; N/A; Trade Me Insurance, Insurance Underwriters NZ (IUNZ)

What the primary source says: AMI and State legal disclosures identify IAG NZ.

[AMI: ownership and legal insurer disclosure](https://www.ami.co.nz/about) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · Google AI Mode

Verdict: correct.

What the answer said: IAG operates or underwrites multiple household names like State Insurance , NZI , and AMI , as well as providing insurance products bundled or co-branded for corporate partners.

What the primary source says: AMI and State legal disclosures identify IAG NZ.

[AMI: ownership and legal insurer disclosure](https://www.ami.co.nz/about) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: AA Insurance is a joint venture involving the New Zealand Automobile Association and Vero Insurance New Zealand, which belongs to Suncorp Group. AA Insurance says it underwrites its own policies, so it is important to distinguish the legal insurer from its parent or partner company. Our company and our people - Find out moreWho is AA Insurance?

What the primary source says: AA Insurance JV: NZAA/Vero; AA Insurance underwrites its own policies.

[AA Insurance: legal insurer, ownership and company disclosure](https://www.aainsurance.co.nz/about-us/about-our-company) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · Gemini

Verdict: unclear.

What the answer said: Vero Insurance (Suncorp Group): Vero underwrites its own policies and also acts as the manufacturing/underwriting partner behind several other brands. For example, AA Insurance is a joint venture heavily backed by Vero (alongside the New Zealand Automobile Association). Vero also underwrites general insurance products distributed via partnerships like AMP.

What the primary source says: AA Insurance JV: NZAA/Vero; AA Insurance underwrites its own policies.

[AA Insurance: legal insurer, ownership and company disclosure](https://www.aainsurance.co.nz/about-us/about-our-company) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · AI Overviews

Verdict: wrong.

What the answer said: Vero Insurance / Suncorp NZ; AA Insurance (Joint venture) , Vero

What the primary source says: AA Insurance JV: NZAA/Vero; AA Insurance underwrites its own policies.

[AA Insurance: legal insurer, ownership and company disclosure](https://www.aainsurance.co.nz/about-us/about-our-company) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · Google AI Mode

Verdict: unclear.

What the answer said: Joint Ventures: AA Insurance is a joint venture, where Vero Insurance NZ Limited holds a major stakeholder share alongside the New Zealand Automobile Association (NZAA), meaning it operates uniquely while tying back to the Suncorp/Vero network.

What the primary source says: AA Insurance JV: NZAA/Vero; AA Insurance underwrites its own policies.

[AA Insurance: legal insurer, ownership and company disclosure](https://www.aainsurance.co.nz/about-us/about-our-company) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/92e526a4-795a-41b0-a5ee-756bf3f34acd.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: For example, ANZ's Asset Protector policies are underwritten and issued by Vero, while ANZ distributes them and may receive commission. Car insurance ; Quote and buy online

What the primary source says: ANZ motor cover is provided by Vero.

[ANZ: Asset Protector motor insurer disclosure](https://www.anz.co.nz/personal/insurance/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/5cf6d714-bf27-4163-af26-c5e9ef15f29b.json)

### Insurer identity · Google AI Mode

Verdict: correct.

What the answer said: Using a bank-branded channel (e.g., ANZ via Vero, BNZ or Westpac via IAG/Tower) Pros: Highly convenient if you prefer managing all your finances and insurance under one digital banking login. Major banks often offer multi-policy or bundle discounts if you hold your home loan, credit cards, or house/contents insurance with them. (Note: Banks don't actually underwrite the policy; they white-label products from major insurers like IAG or Vero.) Cons: Pricing may not always be the cheapest on the market, and policy customisation can sometimes be more rigid compared to going direct or using a broker. Best for: People who value the convenience of a single app/login and qualify for bundle discounts by keeping their banking and insurance under one roof.

What the primary source says: ANZ motor cover is provided by Vero.

[ANZ: Asset Protector motor insurer disclosure](https://www.anz.co.nz/personal/insurance/car-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/5cf6d714-bf27-4163-af26-c5e9ef15f29b.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: Trade Me Insurance — worth comparing if you’re a Trade Me member. It offers three cover levels, online claims and member discounts. Policies are underwritten by Tower. Trade Me InsuranceWhy Trade Me Insurance

What the primary source says: Trade Me Insurance is provided with Tower.

[Trade Me Insurance: motor wording and insurer disclosure](https://www.trademeinsurance.co.nz/car-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/fb2d05c8-0f13-416a-9565-9d05dbe4b615.json)

### Insurer identity · Google AI Mode

Verdict: correct.

What the answer said: Tower Insurance — Known for a very modern, streamlined digital experience where you can buy online, manage policies, and track claims. Tower also underwrites Trade Me Insurance, another popular online-first alternative.

What the primary source says: Trade Me Insurance is provided with Tower.

[Trade Me Insurance: motor wording and insurer disclosure](https://www.trademeinsurance.co.nz/car-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/fb2d05c8-0f13-416a-9565-9d05dbe4b615.json)

### Claims and repairs · Google AI Mode

Verdict: correct.

What the answer said: Lifetime repair guarantees on workmanship (e.g., AA Insurance guarantees repairs for as long as you own the vehicle).

What the primary source says: AA guarantee covers AA Insurance Repairers’ claim repairs for the life of the vehicle and transfers to a new owner.

[AA Insurance: lifetime repair guarantee scope](https://www.aainsurance.co.nz/help/article/360020517012-Do-you-offer-a-Lifetime-Repair-Guarantee-on-vehicle-repairs) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0a7586ba-03e4-45f8-8aa6-736c4c676033.json)

### Claims and repairs · ChatGPT

Verdict: correct.

What the answer said: Worth considering if you value digital claim tracking and a managed repair experience. AMI offers online and app-based claims, repair booking and progress tracking. Its preferred-repairer guarantee applies while you own the vehicle. AMI Insurance ClaimsOur Vehicle Repair Guarantee

What the primary source says: Preferred-repairer workmanship/parts guaranteed while the customer owns the vehicle.

[AMI: vehicle repair guarantee conditions](https://www.ami.co.nz/faqs/our-vehicle-repair-guarantee) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/014cdea4-bd9a-4637-a09b-ec9ac063aaed.json)

### Availability and service · ChatGPT

Verdict: correct.

What the answer said: Worth considering if you value digital claim tracking and a managed repair experience. AMI offers online and app-based claims, repair booking and progress tracking. Its preferred-repairer guarantee applies while you own the vehicle. AMI Insurance ClaimsOur Vehicle Repair Guarantee

What the primary source says: My AMI/app supports claims; online account supports repair booking and tracking.

[AMI: online claims, tracking and repair booking capabilities](https://www.ami.co.nz/claims) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/014cdea4-bd9a-4637-a09b-ec9ac063aaed.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A good one to investigate if repair quality and a long-term repair guarantee matter to you. It offers claims support through its team and a network of repairers, with a lifetime repair guarantee under the stated conditions. Rental-car cover is an optional benefit on comprehensive policies. Making a car insurance claim – Find out howMaking a claim? Get started now

What the primary source says: Rental cover is an optional motor benefit.

[AA Insurance: car wording, discounts, glass options and repair guarantee](https://www.aainsurance.co.nz/car-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/014cdea4-bd9a-4637-a09b-ec9ac063aaed.json)

### Specialist vehicles · ChatGPT

Verdict: correct.

What the answer said: Particularly worth contacting if your car is a JDM performance car, heavily modified import, enthusiast vehicle or classic. Classic Cover advertises agreed-value cover, choice of repairer and automatic spare-parts cover up to $5,000 for eligible vehicles. Its performance cover specifically includes modified JDM cars. Classic Car Insurance for NZ Classic CarsPerformance Vehicle Insurance NZ

What the primary source says: Classic Cover includes spare parts up to $5,000.

[Classic Cover: classic and performance policy wordings](https://www.classiccover.co.nz/classic/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Specialist vehicles · ChatGPT

Verdict: correct.

What the answer said: Particularly worth contacting if your car is a JDM performance car, heavily modified import, enthusiast vehicle or classic. Classic Cover advertises agreed-value cover, choice of repairer and automatic spare-parts cover up to $5,000 for eligible vehicles. Its performance cover specifically includes modified JDM cars. Classic Car Insurance for NZ Classic CarsPerformance Vehicle Insurance NZ

What the primary source says: Classic Cover advertises customer choice of repairer.

[Classic Cover: classic and performance policy wordings](https://www.classiccover.co.nz/classic/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Specialist vehicles · Gemini

Verdict: correct.

What the answer said: Classic Cover Insurance: Why look at them: They specialize in classic, vintage, and performance imports (including JDM classics and European imports). Key features: Their policies frequently feature automatic spare parts cover (e.g., covering parts kept in your garage), agreed-value terms, flexible mileage options, and the ability to choose your own trusted repairer who can source genuine or specialist overseas parts.

What the primary source says: Classic Cover advertises customer choice of repairer.

[Classic Cover: classic and performance policy wordings](https://www.classiccover.co.nz/classic/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Specialist vehicles · Google AI Mode

Verdict: correct.

What the answer said: Classic Cover Insurance: A long-standing specialist in New Zealand that caters to performance, modified, prestige, and imported enthusiast cars. Their policies often include features critical for imports, such as agreed value , choice of repairer (so you aren't forced to use a generic insurer-preferred shop), and automatic spare parts coverage. You can explore their offerings on the Classic Cover Performance Vehicle Insurance page.

What the primary source says: Classic Cover advertises customer choice of repairer.

[Classic Cover: classic and performance policy wordings](https://www.classiccover.co.nz/classic/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Specialist vehicles · ChatGPT

Verdict: correct.

What the answer said: Worth investigating for classic, vintage and enthusiast vehicles. Its classic vehicle policy advertises a choice of repairer, agreed or market value for modern classics, and spare-parts cover up to $5,000. Confirm whether your particular import qualifies. Classic vehicle insurance

What the primary source says: Indexed April 2024 wording: $5,000 motor spare parts per period; motorcycle cap differs. Live URL changed.

[Assurant: classic wording 1 April 2024 (indexed primary text; live URL now serves app)](https://motor.assurant.nz/assets/Classic_V3_01-04-2024-BVVm6Ab-.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Specialist vehicles · ChatGPT

Verdict: correct.

What the answer said: Another mainstream option to obtain a quote from. Its published classic-vehicle wording specifies how unavailable parts are valued and caps freight for those parts at $2,000. That makes it particularly important to check the exact policy terms if your car needs rare parts. Classic Vehicle Insurance Policy

What the primary source says: Freight of a part to NZ: maximum $2,000.

[AA Insurance: classic vehicle policy document](https://www.aainsurance.co.nz/manage-policy/policy-documents/classic-vehicle-insurance-policy-document) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Specialist vehicles · ChatGPT

Verdict: correct.

What the answer said: Consider asking an insurance broker about NZI if your vehicle is unusual, high-value or difficult to insure through standard online quotes. Its published motor policy has provisions for certain limited-production vehicles valued internationally by agreement. This is not a guarantee that every imported car will qualify. Distinction Motor Vehicle Insurance / Policy wording

What the primary source says: International value by prior agreement for limited production vehicles without comparable local value.

[NZI: Distinction motor wording](https://www.nzi.co.nz/documents/distinction-car-policy) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Sum insured and settlement · ChatGPT

Verdict: correct.

What the answer said: A mainstream insurer to compare, especially if your imported car is used as a daily driver. AMI offers agreed-value options on comprehensive cover, but you should check its current standard-car policy for the limits on importing unavailable parts and the repair method. Is My Car Insured For Agreed Value Or Market Value?AMI Policy Documents

What the primary source says: AMI comprehensive supports agreed value; other cover types can settle differently.

[AMI: agreed versus market value](https://www.ami.co.nz/faqs/is-my-car-insured-for-agreed-value-or-market-value) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.json)

### Claims and repairs · ChatGPT

Verdict: correct.

What the answer said: For example, AMI says it can waive the excess when it can establish that your driver was completely free of blame, you provide the other driver's registration number and name and address, and the other driver acknowledges their involvement. Other insurers have their own policy conditions. Source: AMI. ami.co.nz

What the primary source says: Waiver requires blamelessness, plate/name/address and other driver acknowledging involvement.

[AMI: not-at-fault excess waiver and policy wording](https://www.ami.co.nz/faqs/will-i-have-to-pay-the-excess-if-a-motor-accident-isnt-my-fault) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/3b10b720-3fc1-47c1-b795-943a40fa3e01.json)

### Claims and repairs · Gemini

Verdict: unclear.

What the answer said: Standard Claims Process: Most New Zealand comprehensive car insurance policies work on the rule that you must pay your agreed excess for any claim. The insurer will later refund or waive this excess only after they have successfully investigated the accident, confirmed another named party was at fault, and established that they can recover the costs.

What the primary source says: Waiver requires blamelessness, plate/name/address and other driver acknowledging involvement.

[AMI: not-at-fault excess waiver and policy wording](https://www.ami.co.nz/faqs/will-i-have-to-pay-the-excess-if-a-motor-accident-isnt-my-fault) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/3b10b720-3fc1-47c1-b795-943a40fa3e01.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Your insurance ; Likely outcome ; ; Comprehensive ; Best chance of cover for direct ash damage, subject to the policy wording and exclusions. ; ; Third party, fire and theft ; Generally won't cover ash damage to your own car unless a specific benefit applies. ; ; Third party only ; Generally won't cover damage to your own car.

What the primary source says: Third Party may include limited uninsured-driver own-car benefits; it does not cover own volcanic ash damage.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

### Policy benefits and eligibility · Gemini

Verdict: correct.

What the answer said: Comprehensive Policies: If you hold a Comprehensive car insurance policy, damage caused by natural hazards (including volcanic eruptions, earthquakes, and associated ash fall) is standardly included as "sudden and accidental physical loss or damage". Third Party Types: If you only have Third Party, Fire and Theft or Third Party Only insurance, damage from volcanic ash will not be covered, as these policies exclude accidental damage to your own vehicle. The Type of Damage Covered: Volcanic ash is abrasive and corrosive. Comprehensive insurance typically covers issues like ruined car paintwork, etched glass/windscreens, blocked or ruined air filters, and engine damage caused directly by ash ingestion during or after an eruption.

What the primary source says: Third Party may include limited uninsured-driver own-car benefits; it does not cover own volcanic ash damage.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

### Policy benefits and eligibility · AI Overviews

Verdict: correct.

What the answer said: Third Party Only: This provides zero cover for your own vehicle; it only covers damage you cause to other people's property.

What the primary source says: Third Party may include limited uninsured-driver own-car benefits; it does not cover own volcanic ash damage.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

### Policy benefits and eligibility · Google AI Mode

Verdict: correct.

What the answer said: Policy Type Matters: You must have comprehensive car insurance. Third-party only or third-party, fire and theft policies will not cover damage to your own car from falling ash or volcanic debris.

What the primary source says: Third Party may include limited uninsured-driver own-car benefits; it does not cover own volcanic ash damage.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

### Policy benefits and eligibility · Gemini

Verdict: wrong.

What the answer said: 2. The Risk of Uninsured Drivers Because insurance is voluntary, a notable percentage of motorists on New Zealand roads drive completely uninsured. If an uninsured driver hits you and it is their fault, getting them to pay for your car repairs out-of-pocket can turn into a legal and financial nightmare. Many comprehensive policies in New Zealand include a small clause (often up to $4,000) that protects you if you're hit by an uninsured driver, provided you can identify them. Without any insurance of your own, you absorb 100% of the loss.

What the primary source says: Limited uninsured-driver own-car benefit is a Third Party/TPFT feature; comprehensive covers eligible full accidental damage.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/379900c2-5c48-46db-be23-a123f36d10da.json)

### Policy benefits and eligibility · AI Overviews

Verdict: wrong.

What the answer said: Uninsured Drivers: While you might be responsible, many drivers on Kiwi roads carry no insurance at all. If an uninsured driver hits you, a Third Party Only policy generally will not cover your repairs unless you can identify the driver, their registration, and prove they were entirely at fault (and even then, payouts are legally capped at low limits, usually around $3,000–$4,000).

What the primary source says: Limited uninsured-driver own-car benefit is a Third Party/TPFT feature; comprehensive covers eligible full accidental damage.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/379900c2-5c48-46db-be23-a123f36d10da.json)

### Sum insured and settlement · Google AI Mode

Verdict: unclear.

What the answer said: Check your policy type: Review your insurance policy schedule to see if you have agreed value or market value cover. Agreed value means they pay the fixed amount stated on your current policy schedule (minus your excess). Market value (the most common) means they pay what your car was worth immediately before the accident. Insurers usually calculate this using the average of two independent valuations, capped at your maximum sum insured. [Harray Motors]

What the primary source says: Contracts define market value; a usual mandatory average of two valuations is not established.

[AMI: current car wording, November 2024](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-car-insurance-policy-wording-ami0052-11-1124.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/03df1472-462a-4c53-9365-6af23286f86f.json)

### Sum insured and settlement · ChatGPT

Verdict: correct.

What the answer said: You and the insurer agree on the vehicle's insured value when the policy starts. If it is a total loss, the payout is generally based on that agreed amount, subject to the policy terms, excesses and any applicable deductions.

What the primary source says: Specialist policies can use market value; agreed-value settlements also have deductions and valuation requirements.

[AMI: classic wording, December 2025](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-classic-car-policy-wording-ami1850-1-1225.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/137a4f9c-fd60-4557-b8bd-3a954b871950.json)

### Sum insured and settlement · AI Overviews

Verdict: wrong.

What the answer said: Value Basis; Often defaults to Market Value or depreciating standard values.; Always Agreed Value backed by expert valuation. … Payout Certainty; Low. Subject to standard depreciation at claim time.; High. You get the exact stated dollar figure. … True Agreed Value Settlement: You lock in a fixed sum with your insurer upfront. If the vehicle is written off or stolen, you receive that exact amount minus your excess—no arguments over market trends at the time of the accident.

What the primary source says: Specialist policies can use market value; agreed-value settlements also have deductions and valuation requirements.

[AMI: classic wording, December 2025](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-classic-car-policy-wording-ami1850-1-1225.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/137a4f9c-fd60-4557-b8bd-3a954b871950.json)

### Sum insured and settlement · Google AI Mode

Verdict: correct.

What the answer said: Agreed Value: You and the insurer lock in a fixed sum insured at the start of the policy year. If the vehicle is written off or stolen, you receive that exact agreed amount (minus your excess) without arguing over depreciation or comparable market sales. This is essential for high-value cars, though it requires a certified valuation or realistic proof of worth upfront.

What the primary source says: Specialist policies can use market value; agreed-value settlements also have deductions and valuation requirements.

[AMI: classic wording, December 2025](https://www.ami.co.nz/content/dam/insurance-brands-nz/ami/nz/en/documents/car/ami-classic-car-policy-wording-ami1850-1-1225.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/137a4f9c-fd60-4557-b8bd-3a954b871950.json)

### Legal rights and redress · Gemini

Verdict: wrong.

What the answer said: If you have Third Party, Fire and Theft Insurance: Your policy generally only covers damage you cause to others. However, if you can prove the other driver was at fault and uninsured/insured, you may need to pursue the at-fault party directly (sometimes via a Letter of Demand or the Disputes Tribunal for claims up to $30,000), though some third-party policies include limited uninsured motorist benefit protection. Check your specific policy wording.

What the primary source says: Disputes Tribunal jurisdiction increased to $60,000 on 24 January 2026.

[Ministry of Justice: $60,000 from 24 January 2026](https://www.justice.govt.nz/about/news-and-media/news/disputes-tribunal-financial-jurisdiction-set-to-increase/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/7bd71614-aeb4-49ad-b574-5e5f3d6a2d19.json)

### Legal rights and redress · ChatGPT

Verdict: correct.

What the answer said: The Disputes Tribunal can hear eligible disputes, including some insurance disputes, up to NZ$60,000. Larger claims may need a different legal route. Whether the Tribunal is appropriate depends on the facts, the claim and any applicable dispute-resolution process. Get advice before filing if you have already pursued an external scheme or signed a settlement. What the Tribunal can help withGet a final decision on a complaint

What the primary source says: Disputes Tribunal jurisdiction increased to $60,000 on 24 January 2026.

[Ministry of Justice: $60,000 from 24 January 2026](https://www.justice.govt.nz/about/news-and-media/news/disputes-tribunal-financial-jurisdiction-set-to-increase/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/c2de88bd-a995-40b5-a706-be56bb362ff1.json)

### Legal rights and redress · Gemini

Verdict: correct.

What the answer said: 4. Apply to the Disputes Tribunal If your dispute is with an at-fault third party’s insurer, or if you prefer a legal forum rather than an ombudsman, you can use the New Zealand Disputes Tribunal: Jurisdiction: Handles claims up to $60,000. Cost & Process: It is a low-cost, quick, and informal environment where lawyers are generally not present. A referee hears both sides and makes a legally binding decision. Note: If your insurance policy applies, check whether your insurer wants to manage this process or if you need to coordinate with them before filing.

What the primary source says: Disputes Tribunal jurisdiction increased to $60,000 on 24 January 2026.

[Ministry of Justice: $60,000 from 24 January 2026](https://www.justice.govt.nz/about/news-and-media/news/disputes-tribunal-financial-jurisdiction-set-to-increase/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/c2de88bd-a995-40b5-a706-be56bb362ff1.json)

### Legal rights and redress · AI Overviews

Verdict: wrong.

What the answer said: Disputes Tribunal: For vehicle claims up to $30,000, you can file a case in the Disputes Tribunal. This is an informal, low-cost legal alternative to court where lawyers are not permitted to represent either side.

What the primary source says: Disputes Tribunal jurisdiction increased to $60,000 on 24 January 2026.

[Ministry of Justice: $60,000 from 24 January 2026](https://www.justice.govt.nz/about/news-and-media/news/disputes-tribunal-financial-jurisdiction-set-to-increase/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/c2de88bd-a995-40b5-a706-be56bb362ff1.json)

### Legal rights and redress · Google AI Mode

Verdict: correct.

What the answer said: The Disputes Tribunal: Handles disputes up to $60,000. It is an informal, low-cost setting where a referee helps parties reach a decision or makes a binding ruling. Lawyers generally do not represent parties here. You can submit a claim or find out more via the Ministry of Justice Disputes Tribunal.

What the primary source says: Disputes Tribunal jurisdiction increased to $60,000 on 24 January 2026.

[Ministry of Justice: $60,000 from 24 January 2026](https://www.justice.govt.nz/about/news-and-media/news/disputes-tribunal-financial-jurisdiction-set-to-increase/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/c2de88bd-a995-40b5-a706-be56bb362ff1.json)

### Legal rights and redress · ChatGPT

Verdict: correct.

What the answer said: You don't necessarily have to wait indefinitely. Under the Code, if an eligible complaint has not been resolved to your satisfaction within two months, the insurer should explain its position and provide information about escalating the complaint. Your scheme may also be able to advise you about the process before then.

What the primary source says: Fair Insurance Code: unresolved complaints after two months receive deadlock/escalation route. Applies to members.

[ICNZ: Fair Insurance Code complaint obligations and member scope](https://www.icnz.org.nz/individuals/about-the-code/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/1358cb37-1aff-4d83-8f22-391b31b56289.json)

### Legal rights and redress · Gemini

Verdict: correct.

What the answer said: If the insurer fails to resolve your complaint within two months, or if your complaint reaches a "deadlock," you can take your case to an independent external dispute resolution scheme. Depending on which scheme your insurer belongs to, this will be either:

What the primary source says: Fair Insurance Code: unresolved complaints after two months receive deadlock/escalation route. Applies to members.

[ICNZ: Fair Insurance Code complaint obligations and member scope](https://www.icnz.org.nz/individuals/about-the-code/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/1358cb37-1aff-4d83-8f22-391b31b56289.json)

### Legal rights and redress · AI Overviews

Verdict: correct.

What the answer said: If your insurer cannot resolve your complaint internally within two months , or if you reach a "deadlock," they must give you a letter allowing you to take the case to an external dispute scheme.

What the primary source says: Fair Insurance Code: unresolved complaints after two months receive deadlock/escalation route. Applies to members.

[ICNZ: Fair Insurance Code complaint obligations and member scope](https://www.icnz.org.nz/individuals/about-the-code/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/1358cb37-1aff-4d83-8f22-391b31b56289.json)

### Legal rights and redress · Google AI Mode

Verdict: correct.

What the answer said: If your insurer cannot resolve your complaint or reach an agreement with you within two months, or if they issue a "deadlock" letter, you can escalate the matter to an independent external dispute resolution scheme. Depending on which scheme your insurer belongs to, you can contact: [Insurance Council of New Zealand (ICNZ)]

What the primary source says: Fair Insurance Code: unresolved complaints after two months receive deadlock/escalation route. Applies to members.

[ICNZ: Fair Insurance Code complaint obligations and member scope](https://www.icnz.org.nz/individuals/about-the-code/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/1358cb37-1aff-4d83-8f22-391b31b56289.json)

### Legal rights and redress · ChatGPT

Verdict: correct.

What the answer said: Situation ; What may be available ; ; You have comprehensive insurance ; Repair or replacement of your car, subject to policy terms and excess. ; ; You have third-party-only insurance ; Your own car's damage usually isn't covered by your policy; you may be able to claim against the at-fault driver. ; ; Another driver caused the accident ; You may seek reasonable losses from the responsible party, depending on liability and evidence. ; ; Your car is written off ; A payout based on the policy's agreed or market value, as applicable. ; ; Someone was injured ; ACC may cover eligible personal-injury costs, but it does not replace a vehicle-damage claim.

What the primary source says: ACC covers qualifying personal injury; it does not pay for damaged vehicles.

[ACC: scope of injury cover](https://www.acc.co.nz/im-injured/what-we-cover) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/23c0f51b-4a9e-4569-94f9-e1a1fe8b04ae.json)

### Legal rights and redress · AI Overviews

Verdict: correct.

What the answer said: Personal Injury Cover: Unlike many other countries, personal liability for bodily injury from a car crash is covered by the government under the Accident Compensation Corporation (ACC). If any family members are injured, ACC handles medical costs, rehabilitation, and partial lost earnings, meaning you do not claim medical costs through private car insurance.

What the primary source says: ACC covers qualifying personal injury; it does not pay for damaged vehicles.

[ACC: scope of injury cover](https://www.acc.co.nz/im-injured/what-we-cover) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/23c0f51b-4a9e-4569-94f9-e1a1fe8b04ae.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Yes, your car insurance may cover volcanic ash damage if Taranaki Maunga erupts, but it depends on your policy and the type of damage. In New Zealand, the key distinction is whether you have comprehensive car insurance or a more limited policy.

What the primary source says: Comprehensive provides eligible volcanic damage cover; no automatic payment without insured damage/conditions.

[Tower: comprehensive car wording September 2024](https://www.tower.co.nz/wp-content/uploads/2021/03/car-comprehensive-09-24.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

### Policy benefits and eligibility · Gemini

Verdict: correct.

What the answer said: Yes, Comprehensive car insurance in New Zealand generally covers damage to your vehicle caused by volcanic ash if Taranaki Maunga were to erupt.

What the primary source says: Comprehensive provides eligible volcanic damage cover; no automatic payment without insured damage/conditions.

[Tower: comprehensive car wording September 2024](https://www.tower.co.nz/wp-content/uploads/2021/03/car-comprehensive-09-24.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

### Policy benefits and eligibility · AI Overviews

Verdict: correct.

What the answer said: Yes, your car insurance will cover volcanic ash damage, but only if you have a Comprehensive (Full Cover) car insurance policy.

What the primary source says: Comprehensive provides eligible volcanic damage cover; no automatic payment without insured damage/conditions.

[Tower: comprehensive car wording September 2024](https://www.tower.co.nz/wp-content/uploads/2021/03/car-comprehensive-09-24.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

### Policy benefits and eligibility · Google AI Mode

Verdict: correct.

What the answer said: Yes, generally comprehensive car insurance in New Zealand will cover sudden and accidental damage to your vehicle caused by a natural disaster like a volcanic eruption, including damage from volcanic ash.

What the primary source says: Comprehensive provides eligible volcanic damage cover; no automatic payment without insured damage/conditions.

[Tower: comprehensive car wording September 2024](https://www.tower.co.nz/wp-content/uploads/2021/03/car-comprehensive-09-24.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-car/editions/1/answers/200962a7-a288-4d83-8038-f4c984139e37.json)

## Method and evidence

[Read the method](https://nzbrands.ai/research/insurance/car-insurance/method)

[Explore the evidence](https://nzbrands.ai/research/insurance/car-insurance/evidence)

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