# First car

Car insurance · Consumer profiles · P02

I have just bought my first car and need insurance.

[Back to the study](https://nzbrands.ai/research/insurance/car-insurance#situations)

| Measure | Value |
| --- | --- |
| questions | 6 |
| captured answers | 24 |
| AI platforms | 4 |
| collected | 11 October 2026 |

## Read what this consumer asked.

### S-P02-M-01: Understanding the need

I've just bought my first car in NZ and don't understand the insurance choices. Where do I start?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f25eb690-571f-4bcb-a34f-fe636bf1e66f.md)

### S-P02-M-02: Choosing cover

Explain what I'm giving up if I choose third-party only instead of comprehensive.

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8735668e-7bd2-4edf-a261-9cb1abdb70b2.md)

### S-P02-M-03: Comparing insurers

Which NZ car insurers are worth quoting for a first-time insurance buyer?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/70a675a0-babd-4610-a064-6d99e6861913.md)

### S-P02-M-04: Buying and switching

I'm buying my first car policy today. How should I pick among three quotes?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c5f312ae-25db-437c-ad6a-ab0095dbea11.md)

### M-T04-M-P02: Comparing insurers

I've just bought my first car and need insurance. Which NZ car insurers should I look at?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e530ca60-c2cb-442c-93c9-2b41fcf86a6e.md)

### DP-P02-M-V: Choosing cover

I've just insured my first car and my friend sometimes borrows it. Would they be covered if they had an accident?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a87f6511-eda2-43a7-b3ff-134022a83135.md)

## Which insurers AI recommended to someone buying their first car

The four answers to “I've just bought my first car and need insurance. Which NZ car insurers should I look at?”

| Insurer | Answers | Total |
| --- | --- | --- |
| AMI | 4 | 4 |
| AA Insurance | 4 | 4 |
| Tower | 4 | 4 |
| State | 4 | 4 |
| Cove | 4 | 4 |
| FMG | 2 | 4 |
| MAS | 2 | 4 |
| Trade Me Insurance | 1 | 4 |

## The insurer recommendations for a first car.

Select an insurer to compare its recommendations, sentiment and supporting passages across the four platforms.

| Topic | Insurer | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| First car | AMI | 4 | 4 | 7 | 2 | 0 | 0 |
| First car | AA Insurance | 4 | 4 | 8 | 2 | 0 | 0 |
| First car | Tower | 4 | 4 | 7 | 3 | 0 | 0 |
| First car | State | 4 | 4 | 7 | 2 | 0 | 0 |
| First car | Cove | 4 | 4 | 9 | 1 | 1 | 0 |
| First car | FMG | 2 | 4 | 3 | 1 | 0 | 0 |
| First car | MAS | 2 | 4 | 3 | 1 | 0 | 0 |
| First car | Trade Me Insurance | 1 | 4 | 1 | 3 | 0 | 0 |

## Choosing cover for a first car.

The first-time car buyer receives the same five tied leaders: AA Insurance, AMI, Cove, State and Tower in 4/4 each. FMG and MAS each appear in two answers. The situation prompts explanation of cover levels and what the excess means, while leaving the final comparison dependent on the driver, vehicle and quote.

ChatGPT: “Here are some established providers and alternatives to put on your shortlist. These are options to investigate, not a ranking of which insurer is best for everyone.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e530ca60-c2cb-442c-93c9-2b41fcf86a6e.md) · Answer ID: f41c19d9-e271-46b2-a1ed-18a913067572

Gemini: “* **AMI & State**: Two widely recognized legacy brands backed by IAG New Zealand, offering comprehensive, third-party fire and theft, and third-party-only options with extensive repair networks across the country.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e530ca60-c2cb-442c-93c9-2b41fcf86a6e.md) · Answer ID: 7860311d-b519-43ca-82c5-beb769c5ef0a

Google AI Mode: “* [AMI Insurance](https://www.ami.co.nz) and [State Insurance](https://www.state.co.nz): Two major, long-established brands in the local market offering comprehensive, third-party fire and theft, and third-party-only policies, alongside accessible local branches or online claim tracking.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e530ca60-c2cb-442c-93c9-2b41fcf86a6e.md) · Answer ID: 865bde5e-de8d-4773-81cb-c6c2db3879c8

AI Overviews: “**AMI**| Also part of IAG. Offers low excess options (starting at $100) and standard accidental windscreen damage cover.| **Flexible excesses**”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e530ca60-c2cb-442c-93c9-2b41fcf86a6e.md) · Answer ID: adc7191e-72d4-425d-9357-59e86e10c5f7

## Where the answers to this consumer came from

The websites each assistant drew on, and what kind of publisher they are. Pick a question group to compare the websites.

### ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| consumerprotection.govt.nz | 6 |
| consumer.org.nz | 5 |
| icnz.org.nz | 4 |
| mas.co.nz | 4 |
| state.co.nz | 4 |
| aa.co.nz | 3 |
| aainsurance.co.nz | 3 |
| ami.co.nz | 3 |
| canstar.co.nz | 3 |
| compare.org.nz | 3 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| quashed.co.nz | 4 |
| moneyhub.co.nz | 3 |
| aainsurance.co.nz | 2 |
| ami.co.nz | 1 |
| cab.org.nz | 1 |
| consumer.org.nz | 1 |
| glimp.co.nz | 1 |
| state.co.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| aainsurance.co.nz | 2 |
| canstar.co.nz | 2 |
| moneyhub.co.nz | 2 |
| quashed.co.nz | 2 |
| ami.co.nz | 1 |
| consumer.org.nz | 1 |
| vero.co.nz | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| canstar.co.nz | 4 |
| quashed.co.nz | 4 |
| aa.co.nz | 3 |
| aainsurance.co.nz | 3 |
| ami.co.nz | 3 |
| moneyhub.co.nz | 3 |
| consumer.org.nz | 2 |
| coveinsurance.co.nz | 2 |
| glimp.co.nz | 2 |
| state.co.nz | 2 |

A website counts once per answer, however many times the answer used it. 20 of 24 answers have recorded sources.

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