# Car insurance: all questions [B-T01-M-01: Do I actually need car insurance in New Zealand, and what are the consequences of having none?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8186efe3-f64d-49be-ab83-72fa754095d3.md) [B-T01-M-02: What's the difference between third-party and comprehensive car insurance in NZ?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/830a699f-d113-403c-b179-270a46c7d901.md) [B-T01-M-03: What should I decide about my car and my driving before choosing insurance?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/deee9b50-4afb-4d0f-bb2d-1cadfbe27a4d.md) [B-T02-M-01: Does comprehensive car insurance cover anything other than damage to my own car?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3df21df1-f549-4a85-a7e2-5ee14f4b9c12.md) [B-T02-M-02: How do car insurers differ on windscreen, roadside support, courtesy cars and agreed value?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/89cdd0ec-f10d-4a4b-a225-f03912915c41.md) [B-T02-M-03: What major exclusions should I understand before deciding between NZ car policies?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/201e4017-e0e9-41d2-b27a-ca05b29279cd.md) [B-T03-M-01: What affects a New Zealand car insurance premium besides the make and model?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bd38c9ff-1220-4034-ba17-db5d3a80ad8e.md) [B-T03-M-02: When I'm comparing car quotes, how much should I care about agreed value and the excess?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0c4189c5-2200-495b-bed1-ed564c67a4e7.md) [B-T03-M-03: If two car quotes are $200 apart, what should I check before taking the cheaper one?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/51273471-f95f-4230-9697-866842a91ebf.md) [B-T04-M-01: Which car insurance companies are worth comparing in NZ?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2f51133f-78b8-4dcf-a201-275b3aa7a71e.md) [B-T04-M-02: What NZ car insurance brands are frequently worth considering for comprehensive cover?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9e18f0f4-4025-42ed-921d-bb13f82ddc2a.md) [B-T04-M-03: Shortlist New Zealand car insurers for a mainstream driver and explain the trade-offs.](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/4bfd0e16-b36f-4dca-a7df-259e6d8e3ecb.md) [B-T05-M-01: What should I compare when choosing comprehensive car insurance in NZ?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/94dd4ad8-9437-48c0-bfe5-8c03bca07e34.md) [B-T05-M-02: What matters most when deciding between two car insurers?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b1578752-73fe-4a43-af6c-4fc76b142950.md) [B-T05-M-03: If two motor insurers look similar, how do I make a final, evidence-based choice?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0a7586ba-03e4-45f8-8aa6-736c4c676033.md) [B-T06-M-01: What happens after a car accident when I claim through my NZ insurer?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/4ebfef66-b25b-4af6-9446-3326cc11a9be.md) [B-T06-M-02: Do NZ car insurers let you choose your own repairer, and what happens if they write the car off?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8bb96653-2e93-494d-a5b8-39b569d15d20.md) [B-T06-M-03: Which car insurers have a good reputation for handling claims, and where can I check?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/50395f40-c817-4266-9afb-ff98d53b7e74.md) [B-T07-M-01: Which parts of getting NZ car insurance can be completed online without a phone call?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0c2f7607-6c10-460e-aa9d-08b44a0eb165.md) [B-T07-M-02: How do I find a car insurer that offers reliable help when I need it after an accident?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/014cdea4-bd9a-4637-a09b-ec9ac063aaed.md) [B-T07-M-03: What signs indicate a motor insurer has good day-to-day customer service?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/13497aba-707b-47aa-b352-a6ee9af23a56.md) [B-T08-M-01: How should I check whether a NZ car insurer has a credible customer-service reputation?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/29f31178-54f4-452d-b631-c6f9d8e5bc8d.md) [B-T08-M-02: What do complaints and dispute decisions tell me about motor insurers, and what don't they tell me?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/075f454f-53f2-4586-98d2-cb42def760d9.md) [B-T08-M-03: What would be sensible trust checks before I move my car insurance to a different company?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/dd2ab2ac-b52b-4da7-aab9-c400ea87491c.md) [B-T09-M-01: Does NZ comprehensive car insurance normally cover a car damaged by flooding or hail?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/647484fe-f89e-4ff4-a8d9-c5670a0344c7.md) [B-T09-M-02: What should I compare if I park a car outside in a storm-prone part of NZ?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/eee598ea-de29-4069-906c-e28553004e28.md) [B-T09-M-03: How can I check whether weather-related vehicle losses have special exclusions or excesses?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/71722978-04ae-4b4d-b239-8a0e230a43af.md) [B-T10-M-01: How is agreed value different from market value in New Zealand car insurance?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f1371a3f-888b-45a6-88c9-af0d65e96470.md) [B-T10-M-02: How should a car owner select insured value when the car's resale price is uncertain?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5091594f-6e6b-464f-83d3-80179428aace.md) [B-T10-M-03: If my car is written off, how does agreed value or market value change what I get paid?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a5528a09-1d7d-421b-8148-96355ad92a23.md) [B-T11-M-01: How do NZ car insurers assess modified, imported or unusually valuable vehicles?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c9b4ec22-7f16-43a0-b6af-f6e321207549.md) [B-T11-M-02: What should I do if my driving history means car insurers quote very high premiums?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/21d85a2b-3994-4958-b9db-dc5190c3b814.md) [B-T11-M-03: How do I compare options for a car that standard insurers may not cover?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8acaa53b-1cc5-48de-bdb9-aeb20a82604f.md) [B-T12-M-01: What should I do when my NZ car renewal increases substantially?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ea9be66f-cbf2-46cc-abd3-39aa540ec1ba.md) [B-T12-M-02: Is it better to stay with my motor insurer or switch for a lower price?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e009c50c-4021-4f13-82ec-7b3b7613909c.md) [B-T12-M-03: What dates, claims and cover details should I check before changing car insurers?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0eb33cda-36cf-4ac8-8e43-c39e7c95d868.md) [B-T13-M-01: How can my bank sell me car insurance if it isn't an insurance company?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6f7845ab-1394-419e-ad54-bbc8b974398a.md) [B-T13-M-02: Do different car insurance brands in New Zealand sometimes lead to the same underwriter?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92e526a4-795a-41b0-a5ee-756bf3f34acd.md) [B-T13-M-03: Should I get car cover from a broker, a bank-branded channel or an insurer directly?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5cf6d714-bf27-4163-af26-c5e9ef15f29b.md) [B-T14-M-01: My car insurance claim was declined. Who can I complain to?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/05f35778-131c-4e3e-bd02-a57ed22e9757.md) [B-T14-M-02: Who can help resolve a car insurance dispute if the insurer's internal process fails?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ee81e122-d7fa-49fe-b1bb-5940022390f2.md) [B-T14-M-03: How should I document an argument about a car repair or write-off settlement?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6238a52d-d4a9-41cb-87bf-ca4496fd8727.md) [B-T15-M-01: How can I verify a chatbot's claim that a NZ car insurer includes roadside assistance?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/272cc27d-2eb8-43de-b4e9-40192459a939.md) [B-T15-M-02: What official documents should I check to compare current car policy features?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/95d29d87-d6fa-4a11-9905-7254e7a7b252.md) [B-T15-M-03: How can I spot outdated online comparisons of car insurance underwriters in NZ?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bc92970b-5837-4d2b-b3d5-23bfcd770db5.md) [B-T16-M-01: Does a multi-car or household policy usually beat separate NZ car insurance quotes?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/64280738-cf16-464b-b237-0a9a912ce1e4.md) [B-T16-M-02: How do I judge car-insurance bundle deals when the home policy has different terms?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/840009db-d44b-431c-9746-b639c9b30643.md) [B-T16-M-03: If my household has three different drivers, what is the best way to compare combined cover?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fd96f692-4623-4223-917d-1b1d09ee1c2a.md) [S-P01-M-01: We drive a standard family car. Which NZ insurers should we approach for comprehensive quotes?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/382358a5-4994-4768-8b72-2fc360e830d0.md) [S-P01-M-02: What is worth paying extra for on mainstream NZ car insurance?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e966f140-aa52-43da-aa0f-1f321907388d.md) [S-P01-M-03: How would you compare two car insurers on cover, claims support and excess for our family?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/312267c7-f12d-4ac9-8a92-92632aa71870.md) [S-P01-M-04: Our car policy is renewing. What's a practical stay-or-switch checklist?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fe075725-4391-4380-9d38-545c5d4c2f6f.md) [S-P02-M-01: I've just bought my first car in NZ and don't understand the insurance choices. Where do I start?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f25eb690-571f-4bcb-a34f-fe636bf1e66f.md) [S-P02-M-02: Explain what I'm giving up if I choose third-party only instead of comprehensive.](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8735668e-7bd2-4edf-a261-9cb1abdb70b2.md) [S-P02-M-03: Which NZ car insurers are worth quoting for a first-time insurance buyer?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/70a675a0-babd-4610-a064-6d99e6861913.md) [S-P02-M-04: I'm buying my first car policy today. How should I pick among three quotes?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c5f312ae-25db-437c-ad6a-ab0095dbea11.md) [S-P03-M-01: My household budget is stretched. How can I cut car insurance costs sensibly?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/07fcff59-8fa8-46ab-a1db-77b7342fe7d0.md) [S-P03-M-02: What would changing from comprehensive to third-party actually expose me to?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ad3b509-11e7-4428-b3fb-34f1b261960e.md) [S-P03-M-03: The cheapest car quote has a higher excess and covers less. Is it really worth saving the money?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c4301bb9-203e-42ec-9562-95bfe2dd888d.md) [S-P03-M-04: My car premium rose sharply. What steps should I take before renewing or cancelling?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2656dbe0-e0ca-4e3e-af2b-fb40d211eddf.md) [S-P04-M-01: I'm relocating cities for work. Will my address or parking situation affect car insurance?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8a893808-f91b-4fe3-a103-0ff7bfc24387.md) [S-P04-M-02: Can I still get car cover if the car is garaged at a shared flat but registered elsewhere?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c76ae3b0-7163-4543-9749-d866a8d94a50.md) [S-P04-M-03: What should I check if my flatmate sometimes drives my insured car?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e3500bb0-9610-49ab-888d-847492aded89.md) [S-P04-M-04: I'm moving and changing my car insurer. When should each policy start and stop?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/65ee6d3d-be35-42df-ab76-29c76ba759cb.md) [S-P05-M-01: I'm newly independent and drive to work every day. What insurance risks should I understand?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/379900c2-5c48-46db-be23-a123f36d10da.md) [S-P05-M-02: How can a younger driver keep premiums affordable without losing essential cover?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5c378d2b-559b-42af-a2ee-c6b69e68e4bd.md) [S-P05-M-03: What digital features are useful if I want to quote, update and claim on car insurance online?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5826740e-5c35-44fc-a040-b85e261ae128.md) [S-P05-M-04: Which factors should drive my decision between three comprehensive car quotes?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ed7f0aa-2f70-4031-88ec-27fb688db334.md) [S-P06-M-01: We have two family cars and occasional young-driver use. Is combined cover a good idea?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/392ec172-a7a0-4184-97c3-6f2fb3953818.md) [S-P06-M-02: How should we value two vehicles and choose excesses for a family motor policy?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6ad4d66e-0df6-4f47-8f39-e7e9d44cd45d.md) [S-P06-M-03: What claims support would matter if a family car became unusable after an accident?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/23c0f51b-4a9e-4569-94f9-e1a1fe8b04ae.md) [S-P06-M-04: Should we insure both cars with one provider or choose the best policy for each?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/51c563ee-21b2-4360-9d9b-74aa6dcc817f.md) [S-P07-M-01: I drive long distances on rural NZ roads. What storm, gravel and roadside risks should I insure?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/458986fe-5083-4f32-88fd-798c5a370529.md) [S-P07-M-02: Can insurers restrict cover for a ute used both privately and for occasional farm errands?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b62e2fc3-2a5d-45fc-b769-5c03a602c7d6.md) [S-P07-M-03: Should I use a rural adviser or a direct car insurer for a rural household vehicle?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bfb4a65c-29fe-4024-9d89-9f404daa4349.md) [S-P07-M-04: How would you compare roadside help, replacement vehicle benefits and repair access for rural motorists?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c8e61856-341e-4093-bfae-ae23b72a8420.md) [S-P08-M-01: Our car is parked near the coast and exposed to severe storms. Which insurance risks matter?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/800c8293-b8d7-4756-a98f-512350fbf432.md) [S-P08-M-02: How do car insurers treat flooding when a vehicle is parked, driven into water or submerged?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ac410b04-6d4d-40d5-b403-f0d8f536a7c5.md) [S-P08-M-03: If my car is flooded and written off, will my insurance help pay for a replacement?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9270e957-caf6-4e4b-8b1d-0215998ab24d.md) [S-P08-M-04: How should we compare NZ car insurers for high weather exposure rather than ordinary crash risk?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bb34d8fd-4759-45f9-9b81-61d50b0e3f1e.md) [S-P09-M-01: I have a rare or high-value vehicle. Should I use agreed value, a specialist policy or standard comprehensive cover?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/137a4f9c-fd60-4557-b8bd-3a954b871950.md) [S-P09-M-02: What makes imported or modified high-value cars difficult to insure in New Zealand?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b58057af-4e6b-49e9-bc19-a38b2739cb6d.md) [S-P09-M-03: I've got an imported car and worry about repair parts. Which insurers will let me use a specialist repairer?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3f5cf892-27ee-49d1-a5d8-e4b65e2634ce.md) [S-P09-M-04: Which trade-offs justify a specialist motor insurer over a cheaper mainstream option?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f25d8fb4-f320-46f6-b51b-3263e3ffb522.md) [S-P10-M-01: My last car insurance claim was a nightmare. How do I find an insurer that's easier to deal with?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9ea6fac2-9885-4ad8-8329-07ab7cce340a.md) [S-P10-M-02: Do car insurers get lots of complaints, and how can I compare them fairly?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d219fec5-077b-480a-8f77-88f2507b3058.md) [S-P10-M-03: What are my dispute options if a repair or write-off settlement seems wrong?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c2de88bd-a995-40b5-a706-be56bb362ff1.md) [S-P10-M-04: Should I pay more for a motor insurer with better documented claims support?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8a5e45ec-ddae-443e-a592-72f91822edde.md) [S-P11-M-01: If I need help after a car accident, which NZ motor insurers provide a practical human contact route?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/cf6b53cb-efe1-479e-96e5-07818316efa7.md) [S-P11-M-02: How can I test whether roadside and claim phone support is available when needed?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/318fb506-4c52-4895-bac4-b82ce39a348e.md) [S-P11-M-03: Would an adviser help me compare car cover, or would a direct insurer be enough?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/247d9e92-c36a-4a8f-a0d5-230168f73109.md) [S-P11-M-04: I prefer phone support. Should that affect which car insurer I choose?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/30c828fa-2c5e-4555-a4e9-1a6a2e70fc8e.md) [S-P12-M-01: Which NZ car insurers let me get a quote, buy, update drivers and lodge claims online?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/96ecc1df-1fe7-404b-9684-e6d111af4f59.md) [S-P12-M-02: How can I verify whether roadside help or a courtesy car is actually included when buying online?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ca2951e-b661-4a4c-880e-975bda49b3de.md) [S-P12-M-03: How do I switch motor insurers online safely when my current policy renews?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/98c85b65-7c8e-438d-99ea-b03770ae0398.md) [S-P12-M-04: One car insurer has a much better app but worse cover. What should I do?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/26d1fd15-ec5a-4eb6-a5e0-e85deaee0c89.md) [M-T04-M-00: Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f72380c9-214b-4d1a-a242-2b1c824dbc13.md) [M-T04-M-P01: We have a family car that we use every day. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/37999598-3736-47f3-8321-fbd9a878ae55.md) [M-T04-M-P02: I've just bought my first car and need insurance. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e530ca60-c2cb-442c-93c9-2b41fcf86a6e.md) [M-T04-M-P03: My budget is tight and I need affordable car insurance. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3562a898-a4b4-4d3a-bb22-87cbb7fd2c05.md) [M-T04-M-P04: I'm a renter and move home quite often. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/aff232f4-9785-40a7-9fc4-b73d6628b435.md) [M-T04-M-P05: I'm a young driver arranging insurance on my own for the first time. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f1410212-2ef9-40f0-96d9-47f3d4245c28.md) [M-T04-M-P06: We have kids and rely on our car for school and work. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f5a9cc77-266e-4cb0-a846-2ca6e6aea5d7.md) [M-T04-M-P07: I live rurally and drive long distances. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/68aa5648-1e09-4d0c-8e28-443b8c37d86d.md) [M-T04-M-P08: My car is often parked in an area that floods. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d3fa4ce3-bd53-412a-9bb8-ff965aef6845.md) [M-T04-M-P09: I have an imported car that needs specialist parts. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.md) [M-T04-M-P10: I had a frustrating car insurance claim last year. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d4515bcb-fe9f-4197-a156-45d2482640e3.md) [M-T04-M-P11: I want to be able to call someone when my car has a problem. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d40631a9-7254-4935-acbc-f6daebbbf839.md) [M-T04-M-P12: I want to buy and manage car insurance online. Which NZ car insurers should I look at?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fb2d05c8-0f13-416a-9565-9d05dbe4b615.md) [RG-NL-M01: I live in Northland and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3f74d849-4851-44ea-83dd-f52509f001fa.md) [RG-NL-M02: My car is usually parked in Northland. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e906e12a-a442-4361-9292-6f7b9af4fcc5.md) [RG-AK-M01: I live in Auckland and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f10a2f82-d292-4f00-a36f-c48df1fabbcf.md) [RG-AK-M02: My car is usually parked in Auckland. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/45f545a7-294b-41da-af4c-8117663a90f7.md) [RG-WK-M01: I live in Waikato and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b9e55768-b291-4b4f-bc24-70826060ab96.md) [RG-WK-M02: My car is usually parked in Waikato. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/38f8a137-993f-43d5-b378-5817467a16f3.md) [RG-BP-M01: I live in the Bay of Plenty and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ffa1cbb-cbcd-463a-aaaa-55dcca56d72e.md) [RG-BP-M02: My car is usually parked in the Bay of Plenty. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92e94e53-6b4b-4270-b593-96a759586934.md) [RG-GS-M01: I live in Gisborne and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/68acd02d-743d-4622-b54b-cc27917ba7d6.md) [RG-GS-M02: My car is usually parked in Gisborne. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/42e49195-b946-4c19-b7bf-94e06b96fe07.md) [RG-HB-M01: I live in Hawke's Bay and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/13899224-9ebd-4219-b3be-c38f3d51f0db.md) [RG-HB-M02: My car is usually parked in Hawke's Bay. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ebb44369-355d-4af7-a02b-bc6c51887ca1.md) [RG-TK-M01: I live in Taranaki and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a1b4a8f5-b864-420e-b81b-cc756dc1c35c.md) [RG-TK-M02: My car is usually parked in Taranaki. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f8987782-c397-45c9-b23d-be0843d71ff0.md) [RG-MW-M01: I live in Manawatū–Whanganui and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ffbc38fe-bd75-4509-b898-f783ffe19b12.md) [RG-MW-M02: My car is usually parked in Manawatū–Whanganui. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9f0d5349-c776-4bbd-96a2-423a47179ae8.md) [RG-WG-M01: I live in Wellington and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a1837c2c-2877-41fa-ae16-0e811f99b3d5.md) [RG-WG-M02: My car is usually parked in Wellington. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fc7e25d2-d70b-4697-b8eb-ba6f03501b0d.md) [RG-NS-M01: I live in Nelson and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e911fdb7-91f2-4b66-a873-78f367a0eb67.md) [RG-NS-M02: My car is usually parked in Nelson. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9614a603-ff36-49f5-9091-602fed660b4e.md) [RG-TS-M01: I live in Tasman and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bfc69221-f301-4f9e-b7ee-983ecd32973b.md) [RG-TS-M02: My car is usually parked in Tasman. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3053250f-0e93-4538-b580-c3f0d1ff0f76.md) [RG-MB-M01: I live in Marlborough and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/4a21c751-9dfb-48ea-8f8d-44c3ea141932.md) [RG-MB-M02: My car is usually parked in Marlborough. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fb96505a-2bd7-4eea-bbce-4058df007830.md) [RG-WC-M01: I live in the West Coast and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ad632cbc-8b73-4021-8ad9-fa745885da9b.md) [RG-WC-M02: My car is usually parked in the West Coast. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/700c99d3-b827-4e2c-88a1-9d9e44fa42b0.md) [RG-CA-M01: I live in Canterbury and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ebc3ff7-c079-4109-b5ce-75dd549321c5.md) [RG-CA-M02: My car is usually parked in Canterbury. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fb60313f-5f63-4b6b-986a-62094f819504.md) [RG-OT-M01: I live in Otago and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d4da0780-5d13-4209-9491-08f08ebda78f.md) [RG-OT-M02: My car is usually parked in Otago. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b6c3cf61-5e1f-4009-8d76-0837427e61d3.md) [RG-SL-M01: I live in Southland and need car insurance. Which companies are worth comparing?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/82f58180-6ca0-4bee-8e59-4b8e6e09a284.md) [RG-SL-M02: My car is usually parked in Southland. Could where I live change what car insurance I need?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7171ce08-adb7-47ff-b823-7644364122d2.md) [RD-NL-01: A storm has cut off the main road near my home in Northland. If my car is damaged, how will I get it repaired or towed?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f8ce9bbd-99e6-45a7-a8ad-b097824348bf.md) [RD-AK-03: My parked car was damaged in the Auckland floods. The insurer wants to repair it, but I'm worried it's a write-off. What can I do?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/df725838-0bb4-4310-b704-8d592c46f500.md) [RD-HB-10: My car was damaged in a storm in Hawke's Bay and the claim is taking months. The insurer won't tell me when I'll get my car back. What can I do?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/1358cb37-1aff-4d83-8f22-391b31b56289.md) [RD-TK-11: I live in Taranaki. Would car insurance cover damage from volcanic ash if Taranaki Maunga erupted?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/200962a7-a288-4d83-8038-f4c984139e37.md) [RD-OT-23: My car was damaged near Queenstown, but the roads to the repairer are closed. Can the insurer help with towing or a rental car?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6c9f4cd6-997b-4feb-96ab-c2d2e0db4d14.md) [RD-SL-24: My car was flooded in Southland. The insurer wants it repaired miles away and I can't get there easily. What can I do?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ab915210-35c7-49ba-beb4-f07d60cf5dc2.md) [CL-M-01: I've just had a car crash and I think the other driver was at fault. What do I need to do for insurance?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7bd71614-aeb4-49ad-b574-5e5f3d6a2d19.md) [CL-M-02: My car's been stolen. Do I contact the police or the insurer first, and what happens next?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/597c5cf9-e623-4cb9-a915-236e7616b8e5.md) [CL-M-03: My car has been at the repair shop for weeks waiting for parts. Can I get any help with transport?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2d3fbaad-7a8f-4486-b659-da4e9253c66e.md) [CL-M-04: What reliable information can distinguish good motor-claims communication and repair completion from promotional claims, selective online reviews or an insurer's unsupported averages?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/73a38eaf-63a5-4332-a90e-c2d16cb75c0b.md) [CL-M-05: My insurer says I shouldn't have driven through floodwater and won't pay for the damage. What can I do?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/cae2d810-dd8f-4220-9252-acbc1e37707f.md) [CL-M-06: The other driver says the crash was my fault, but I disagree. How will my insurer decide who pays?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/62bb7e6b-97a8-4c5f-a04f-5e82d92f969e.md) [CL-M-07: My insurer wants to write off my car. How do I know if the payout they're offering is fair?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/03df1472-462a-4c53-9365-6af23286f86f.md) [CL-M-08: My car has been written off, but the payout won't cover what I still owe on the loan. What happens now?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/61c13237-7fb8-43db-8582-59647c41c23a.md) [CL-M-09: The repairer fixed my car through insurance, but it still doesn't feel safe. Who can I get to check it?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/539d6c4d-5ea4-47d8-a6c5-047ecc9d7d92.md) [CL-M-10: I can't get to work while my car is being repaired. Will my insurance pay for a rental car?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a32f6ded-f714-47bd-bb2f-dc80656811dd.md) [CL-M-11: My car claim was turned down because they say I didn't declare something. How do I challenge that?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92fcf378-c72b-4534-a47b-0db15c457e12.md) [CL-M-12: Can I identify which NZ car insurers actually achieve better repair and settlement outcomes from independent evidence, or are the available public measures too incomplete to rank them?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7284567c-ae8a-4ed7-913e-600e21e1cde0.md) [DP-P01-M-K: Someone crashed into our family car while it was parked. Why does our insurer say we might have to pay an excess?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3b10b720-3fc1-47c1-b795-943a40fa3e01.md) [DP-P02-M-V: I've just insured my first car and my friend sometimes borrows it. Would they be covered if they had an accident?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a87f6511-eda2-43a7-b3ff-134022a83135.md) [DP-P03-M-A: I missed a monthly car insurance payment because money was tight. Is my car still insured, and what should I do now?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d551119a-d361-4f3e-96fc-3ba1f9757e67.md) [DP-P04-M-K: My car was damaged at our old flat just before we moved. Which address matters when I tell the insurer about the claim?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c0a43957-bb0a-4c59-bd39-7687b41095e8.md) [DP-P05-M-V: I use my car to make a few paid deliveries outside my main job. Do I need to tell my car insurer?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/587ab080-0a0a-4793-89e7-1388d9ea14fa.md) [DP-P06-M-A: We need two cars for work and school, but insuring both fully is expensive. Could we choose different levels of cover?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/48eb51fd-d947-41ed-a7e8-07736dc79dbe.md) [DP-P07-M-K: Our car was damaged on a gravel road and the insurer's repairer is hours away. Will they help us get the car there?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/dc409ecc-2217-479a-b83c-0a4b37513a59.md) [DP-P08-M-V: We live close to the sea and salt spray has damaged our car over time. Would comprehensive car insurance cover that?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c7fe64d6-cab4-48ee-8a34-acd72af008c4.md) [DP-P09-M-A: 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?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/33869ea3-53a1-4cc3-af3a-6abac5c91c4d.md) [DP-P10-M-K: Our last car insurer hardly gave us updates during repairs. Can we ask a new insurer about claim updates and repair guarantees before signing up?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a935c984-c34f-4a73-a0aa-cf4b8fa096e8.md) [DP-P11-M-V: I prefer dealing with someone over the phone. Can an insurer explain whether I'd get a courtesy car if mine was being repaired?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92ae0a6d-24eb-4e89-848b-7a05647378a4.md) [DP-P12-M-A: The car insurance website showed one price, but paying monthly costs more. How do I compare the total price properly?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/da387d47-00c0-40ca-8df5-6b78fcac55c3.md) [DI-M-A-01: I work irregular hours and car insurance has become hard to budget for. What are my options to stay covered?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2bba0f9f-cbe2-4a62-85c3-c81baabb7ce1.md) [DI-M-A-02: My car isn't worth much but I still owe money on it. Would third-party insurance leave me exposed?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ebfc0af2-21ca-44b4-8ffe-7e0702ead4f5.md) [DI-M-A-03: Why does my car insurance quote change so much when I put in a different address?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d6ebf774-1fb5-422f-aeb3-4350660e312a.md) [DI-M-A-04: I don't have any emergency savings. Is choosing a bigger car insurance excess to save money a bad idea?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7b72349e-affd-49bf-aa6c-7bbfd5769795.md) [DI-M-A-05: Does paying my car insurance monthly normally cost more than paying for the whole year?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/1c439d94-9650-4afe-8bd4-a38d1dbd77d9.md) [DI-M-A-06: My car premium went up after I made a claim. What can I do when it's time to renew?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bea4c5d2-512d-45b2-b957-b687bc8457e2.md) [DI-M-A-07: We have one good family car and one old runabout. Could we insure them differently to keep the cost down?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/07ce1360-b511-4bd4-bf19-7b82ca4490c1.md) [DI-M-A-08: I need my car for work but can't afford the renewal. Is cancelling car insurance my only option?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/deec46cf-62a8-4790-b113-86c6a1e66a73.md) [DI-M-V-01: My teenager has a learner licence and sometimes drives our car with me. Do I need to change our insurance?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/16be10b6-6402-4d9e-8f49-997615a8add1.md) [DI-M-V-02: My car has aftermarket wheels and a different stereo. Are those covered if they're stolen or damaged?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9425edb0-36fa-496e-8d5c-2879c0e58058.md) [DI-M-K-01: The other driver's insurer wants me to settle the crash directly with them. Should I still tell my own car insurer?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9f7a783d-1a82-41f3-af13-0577bc1a56fc.md) [DI-M-K-02: My car was repaired after a crash, but I think it's worth less now. Can I claim anything for the drop in value?](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/16cac41c-95da-4aed-a111-25a8edde5e50.md)