# Imported car

Car insurance · Consumer profiles · P09

I have an imported car that needs specialist parts.

[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-P09-M-01: Choosing cover

I have a rare or high-value vehicle. Should I use agreed value, a specialist policy or standard comprehensive cover?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/137a4f9c-fd60-4557-b8bd-3a954b871950.md)

### S-P09-M-02: Choosing cover

What makes imported or modified high-value cars difficult to insure in New Zealand?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b58057af-4e6b-49e9-bc19-a38b2739cb6d.md)

### S-P09-M-03: Choosing cover

I've got an imported car and worry about repair parts. Which insurers will let me use a specialist repairer?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3f5cf892-27ee-49d1-a5d8-e4b65e2634ce.md)

### S-P09-M-04: Buying and switching

Which trade-offs justify a specialist motor insurer over a cheaper mainstream option?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f25d8fb4-f320-46f6-b51b-3263e3ffb522.md)

### M-T04-M-P09: Comparing insurers

I have an imported car that needs specialist parts. Which NZ car insurers should I look at?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.md)

### DP-P09-M-A: Buying and switching

My imported car would be expensive to replace. How can I keep the premium reasonable without ending up with a payout that's too low?

[Read the captured answers](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/33869ea3-53a1-4cc3-af3a-6abac5c91c4d.md)

## Which insurers AI recommended to a consumer with an imported car needing specialist parts

The four answers to “I have an imported car that needs specialist parts. Which NZ car insurers should I look at?”

| Insurer | Answers | Total |
| --- | --- | --- |
| Classic Cover | 4 | 4 |
| Star Insurance | 3 | 4 |
| AMI | 2 | 4 |
| AA Insurance | 2 | 4 |
| Assurant / Protecta | 2 | 4 |
| Tower | 1 | 4 |
| Cove | 1 | 4 |
| NZI | 1 | 4 |

## The insurer recommendations for an imported 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Imported car | Classic Cover | 4 | 4 | 12 | 1 | 0 | 0 |
| Imported car | Star Insurance | 3 | 4 | 10 | 0 | 0 | 0 |
| Imported car | AMI | 2 | 4 | 2 | 1 | 1 | 1 |
| Imported car | AA Insurance | 2 | 4 | 3 | 2 | 3 | 0 |
| Imported car | Assurant / Protecta | 2 | 4 | 5 | 1 | 0 | 0 |
| Imported car | Tower | 1 | 4 | 2 | 1 | 0 | 0 |
| Imported car | Cove | 1 | 4 | 3 | 0 | 0 | 0 |
| Imported car | NZI | 1 | 4 | 2 | 1 | 0 | 0 |

## Specialist parts, repairers and vehicle value.

Classic Cover appears in all four imported-car answers and Star Insurance in three. AA Insurance, AMI and Assurant / Protecta each appear in two. The key facts are specialist parts, repairer choice and the treatment of a car that is difficult to repair. The results differ sharply from the ordinary-household shortlist and are not a generic ranking for all imports.

ChatGPT: “Consider asking an insurance broker about NZI if your vehicle is unusual, high-value or difficult to insure through standard online quotes.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.md) · Answer ID: d8736064-4765-4424-a2d1-d98eef25a7c1

Gemini: “Consistently rated by consumer insights (like MoneyHub) as having some of the most comprehensive standard policy benefits on the New Zealand market.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.md) · Answer ID: 3cec1aa6-a66c-44a6-bf45-27400fdfd4d8

Google AI Mode: “A long-standing specialist in New Zealand that caters to performance, modified, prestige, and imported enthusiast cars.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.md) · Answer ID: b3e01d42-f416-4f86-8369-9fb4bc33bc5e

AI Overviews: “They are highly flexible with imported vehicles that feature aftermarket or factory-upgrade modifications.”

[Read the answer](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.md) · Answer ID: 80714274-b377-43e7-ba9b-4d4bfcf5e54c

## 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 |
| --- | --- |
| consumer.org.nz | 6 |
| aainsurance.co.nz | 5 |
| ami.co.nz | 5 |
| consumerprotection.govt.nz | 5 |
| insurspy.co.nz | 5 |
| nzi.co.nz | 5 |
| asb.co.nz | 4 |
| canstar.co.nz | 4 |
| compare.org.nz | 4 |
| thetimes.com | 4 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| insurspy.co.nz | 4 |
| aainsurance.co.nz | 2 |
| moneyhub.co.nz | 2 |
| starinsure.co.nz | 2 |
| tower.co.nz | 2 |
| ajg.co.nz | 1 |
| amp.co.nz | 1 |
| canstar.co.nz | 1 |
| carremovalswhangarei.co.nz | 1 |
| classiccover.co.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| insurspy.co.nz | 4 |
| starinsure.co.nz | 3 |
| aainsurance.co.nz | 2 |
| classiccover.co.nz | 2 |
| consumer.org.nz | 2 |
| exclusiveinsurance.co.nz | 2 |
| state.co.nz | 2 |
| tower.co.nz | 2 |
| amp.co.nz | 1 |
| canstar.co.nz | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| insurspy.co.nz | 4 |
| starinsure.co.nz | 4 |
| canstar.co.nz | 3 |
| aainsurance.co.nz | 2 |
| ami.co.nz | 2 |
| amp.co.nz | 2 |
| precisionautowerk.co.nz | 2 |
| quashed.co.nz | 2 |
| quotehub.co.nz | 2 |
| tower.co.nz | 2 |

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

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