# School and work trips

Car insurance · Consumer profiles · P06

We have kids and rely on our car for school and work.

[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 family asked.

### S-P06-M-01: Comparing insurers

We have two family cars and occasional young-driver use. Is combined cover a good idea?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/392ec172-a7a0-4184-97c3-6f2fb3953818.md)

### S-P06-M-02: Choosing cover

How should we value two vehicles and choose excesses for a family motor policy?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6ad4d66e-0df6-4f47-8f39-e7e9d44cd45d.md)

### S-P06-M-03: Checking the details

What claims support would matter if a family car became unusable after an accident?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/23c0f51b-4a9e-4569-94f9-e1a1fe8b04ae.md)

### S-P06-M-04: Buying and switching

Should we insure both cars with one provider or choose the best policy for each?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/51c563ee-21b2-4360-9d9b-74aa6dcc817f.md)

### M-T04-M-P06: Comparing insurers

We have kids and rely on our car for school and work. Which NZ car insurers should I look at?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f5a9cc77-266e-4cb0-a846-2ca6e6aea5d7.md)

### DP-P06-M-A: Buying and switching

We need two cars for work and school, but insuring both fully is expensive. Could we choose different levels of cover?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/48eb51fd-d947-41ed-a7e8-07736dc79dbe.md)

## Which insurers AI recommended to a family relying on its car for school and work

The four answers to “We have kids and rely on our car for school and work. Which NZ car insurers should I look at?”

| Insurer | Answers | Total |
| --- | --- | --- |
| AMI | 4 | 4 |
| AA Insurance | 4 | 4 |
| Tower | 4 | 4 |
| State | 3 | 4 |
| Cove | 3 | 4 |
| FMG | 1 | 4 |
| MAS | 1 | 4 |

## The insurer recommendations for school and work trips.

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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| School and work trips | AMI | 4 | 4 | 11 | 5 | 0 | 1 |
| School and work trips | AA Insurance | 4 | 4 | 16 | 4 | 0 | 0 |
| School and work trips | Tower | 4 | 4 | 12 | 4 | 0 | 1 |
| School and work trips | State | 3 | 4 | 5 | 5 | 0 | 1 |
| School and work trips | Cove | 3 | 4 | 5 | 6 | 0 | 0 |
| School and work trips | FMG | 1 | 4 | 2 | 0 | 0 | 0 |
| School and work trips | MAS | 1 | 4 | 1 | 4 | 0 | 0 |

## Keeping the family moving after an accident.

AA Insurance, AMI and Tower appear in all four family answers; Cove and State appear in three. A shared vehicle turns named drivers, repair arrangements and replacement transport into practical buying factors.

ChatGPT: “Particularly worth investigating if being without a car during repairs would disrupt your family.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f5a9cc77-266e-4cb0-a846-2ca6e6aea5d7.md) · Answer ID: 084e5f3e-1d60-4ad1-b1f4-0469fe2ccb48

Gemini: “Having breakdown support included (like with AMI) or added cheaply ensures you aren't stuck on the side of the road with kids.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f5a9cc77-266e-4cb0-a846-2ca6e6aea5d7.md) · Answer ID: d3347e08-4907-44c5-90b7-161281b3662b

Google AI Mode: “* * **AA Insurance** : Consistently voted one of New Zealand's most trusted general insurance providers, they score very high for customer satisfaction during claims.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f5a9cc77-266e-4cb0-a846-2ca6e6aea5d7.md) · Answer ID: c143da50-216c-4b3c-b480-f734e4ba3156

AI Overviews: “State provides practical benefits like temporary transport or accommodation allowances if your car is out of action during an accident, which helps keep a busy household moving.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f5a9cc77-266e-4cb0-a846-2ca6e6aea5d7.md) · Answer ID: 2beb0762-b4a8-461b-8a01-d13bb0485dc3

## Where the answers to this family 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 |
| --- | --- |
| consumer.org.nz | 6 |
| consumerprotection.govt.nz | 5 |
| ami.co.nz | 4 |
| mas.co.nz | 4 |
| state.co.nz | 4 |
| policeassn.org.nz | 3 |
| tower.co.nz | 3 |
| aa.co.nz | 2 |
| asb.co.nz | 2 |
| canstar.co.nz | 2 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| quashed.co.nz | 3 |
| ami.co.nz | 2 |
| moneyhub.co.nz | 2 |
| aa.co.nz | 1 |
| aioi.co.nz | 1 |
| ajg.co.nz | 1 |
| calculate.co.nz | 1 |
| canstar.co.nz | 1 |
| iag.co.nz | 1 |
| mitchinsurance.com | 1 |

### Google AI Mode

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

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| ami.co.nz | 2 |
| canstar.co.nz | 2 |
| tower.co.nz | 2 |
| aainsurance.co.nz | 1 |
| amp.co.nz | 1 |
| assurant.nz | 1 |
| consumer.org.nz | 1 |
| glimp.co.nz | 1 |
| insurance.com | 1 |
| insurspy.co.nz | 1 |

A website counts once per answer, however many times the answer used it. 19 of 24 answers have recorded sources.

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