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Evidence · Car insurance

Every question, every answer, every source

Explore all 183 car-insurance questions and the 728 answers saved on 11 October 2026. Read the original responses and download the tables behind the study’s comparisons, sources, sentiment and factual checks.

questions
183
answers saved, of 732 planned
728
consumer situations
12
named regions
16
AI platforms
4

01

Every question, with its answers

Each question went to the four AI platforms. All were collected with a New Zealand setting. Open a question to read every captured answer in full.

Showing 20 of 183 questions

Show all 183

02

The tables behind the study

Every figure on the study page comes from these tables. They are CSV files, which open in any spreadsheet.

  • Questions

    questions.csv

    One row per question, with its exact saved wording.

    Question ID, source references, question, consumer situation, named regions, question group and collection setting

    183rows

    Download questions (CSV)

  • Answers

    answers.csv

    One row per captured answer, with its full text.

    Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer

    728rows

    Download answers (CSV)

  • Sources by answer

    sources.csv

    One row per website recorded as a source of an answer.

    Answer ID, question ID, assistant, collection setting, website and publisher type

    4,213rows

    Download sources by answer (CSV)

  • Checks against primary sources

    checks.csv

    One row per stated assertion checked, for one platform.

    Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date

    96rows

    Download checks against primary sources (CSV)

  • Consumer recommendation coding

    consumer-recommendation-coding.csv

    One row per reviewed provider role in a consumer-selection answer.

    Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions

    301rows

    Download consumer recommendation coding (CSV)

  • Consumer selection membership

    consumer-selection-membership.csv

    One row per answer in the matched consumer-selection comparison.

    Answer ID, question ID, consumer, platform, question group and full text; the same twelve questions per platform

    48rows

    Download consumer selection membership (CSV)

  • Ongoing support coding

    support-coding.csv

    One row per reviewed named-provider role in an eligible support answer.

    Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage

    49rows

    Download ongoing support coding (CSV)

  • Ongoing support membership

    support-membership.csv

    One row per answer in the actual consumer-support group.

    Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded

    32rows

    Download ongoing support membership (CSV)

  • Regional recommendation coding

    regional-recommendation-coding.csv

    One row per reviewed provider role in a region-named selection answer.

    Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage

    440rows

    Download regional recommendation coding (CSV)

  • Regional selection membership

    regional-selection-membership.csv

    One row per answer in the matched regional comparison.

    Answer ID, question ID, named consumer region, platform and equal-comparison membership; sixteen questions per platform

    64rows

    Download regional selection membership (CSV)

  • Insurer sentiment

    insurer-sentiment.csv

    One row per unique saved claim about an insurer in a selection answer.

    Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets

    1,926rows

    Download insurer sentiment (CSV)

  • Recorded source URLs

    source-urls.csv

    One row per recorded answer, website and URL association.

    Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text

    6,056rows

    Download recorded source urls (CSV)

Use these tables to trace findings back to the original questions and answers. The full text of each answer is also on this page, under its question.

03

Read in full and checked

Some answers were read in detail or checked against official sources. Those appear on the study page, beside the findings they support.

ChatGPT · New Zealand

Which parts of getting NZ car insurance can be completed online without a phone call?

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.

That can include comparing cover, getting a quote, choosing your excess, purchasing the policy, paying your premium and downloading your insurance documents. The main catch is that some insurers require a phone call for certain applications, eligibility checks or unusual circumstances.

What you can do online

  • Compare policies and prices: Review comprehensive, third-party fire and theft, and third-party cover.
  • Get a quote: Enter your vehicle details, address, drivers and driving history.
  • Choose your cover: Select cover options, agreed value where available, excess and optional extras.
  • Buy the policy: Complete the application, arrange payment and set your cover's start date.
  • Access documents: Download your policy wording, certificate of insurance and payment details.
  • Manage your policy later: Update details, change payment arrangements, add drivers where supported, and make or track claims.

Consumer NZ recommends getting quotes from at least three insurers and reading the policy carefully before buying. Car insurance buying guideCar insurance buying guide

NZ insurers to consider if you want to avoid phone calls

These providers advertise online options for getting car insurance. The online journey can depend on your circumstances and eligibility.

  1. Cove Insurance

Best fit for digital-first

Cove explicitly says you can get a quote and buy car insurance online without picking up the phone. It also offers online policy management and live chat for help. Car, Home, Contents & Pet Insurance

Get a Cove quote online

  1. State Insurance

Offers online comprehensive car insurance quotes and purchases, plus online policy management, payments and claims. State Insurance NZ | Car, House, Contents, Travel Insurance & MoreWhat Can I Do Online?

Get a State quote online

  1. AMP

Provides online quote and purchase journeys for comprehensive, third-party fire and theft, and third-party property damage cover. You can manage an online policy through My Insurance Manager. Car Insurance - Get a Quote in Minutes and Buy OnlineCar Insurance - Get a Quote in Minutes and Buy Online

Get an AMP quote online

  1. ANZ

Existing ANZ customers can get a quote and buy online through goMoney or Internet Banking. Non-customers can get a quote online, but need to join ANZ to purchase through that route. Car insurance | Quote and buy online

Check ANZ's online process

When might a phone call still be needed?

Even with an online-first insurer, you might need extra assistance if:

  • Your car or driving circumstances fall outside standard eligibility rules.
  • You have unusual modifications or a specialist vehicle.
  • The insurer needs to clarify information before accepting your application.
  • You want advice about an unclear exclusion or a complicated claim.

These are possible exceptions, not requirements that apply to every insurer.

How to complete everything without calling

  1. Get online quotes from at least three providers.
  2. Compare the excess, cover limits, exclusions, theft cover and windscreen benefits — not just the premium.
  3. Read the policy wording before paying.
  4. Choose an insurer that lets you complete the purchase online, rather than merely starting a quote online.
  5. Keep your confirmation email and policy documents.

My recommendation: Start with Cove if avoiding phone calls is your top priority, then compare its price and cover with State and AMP.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Which parts of getting NZ car insurance can be completed online without a phone call?

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.

The specific parts of the process that can be fully handled digitally include:

  • Comparing Options and Market Scans: Using independent online comparison tools (like Quashed) or direct insurer websites to evaluate policy tiers (Comprehensive, Third Party Fire & Theft, Third Party) side-by-side.
  • Getting Quotes: Entering your vehicle registration (rego), make/model, driver history, and address details to generate real-time, tailored price estimates.
  • Customising the Policy: Selecting your policy parameters online, such as choosing between market value or agreed value, adjusting your excess amounts to alter premium costs, and adding optional extras (like roadside assistance or rental car cover).
  • Application and Disclosure: Answering required risk and underwriting questions (e.g., driving history, intended use of the vehicle, list of drivers) via secure web forms.
  • Payment and Binding: Paying securely via credit card, debit card, or setting up direct debits/internet banking, which instantly binds the policy and generates your certificate of insurance.
  • Post-Purchase Management: Accessing self-service digital portals (such as MyState, MyVero, or My Cove) to download documents, change details, or even lodge and track claims online.

Are there any exceptions?

While you can typically buy standard policies from start to finish online, a phone call (or online live chat) might occasionally be triggered if your application falls outside standard automated underwriting guidelines. This can happen due to:

  • An unusual modifications history on the vehicle.
  • Multiple serious driving offences or heavy claims history within recent years.
  • Imported, high-value, or specialized/rare vehicles that require manual valuation.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Which parts of getting NZ car insurance can be completed online without a phone call?

AI Overview

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.

The specific parts of the process you can manage entirely online include:

1. Research and Price Comparison

  • Market Comparisons: You can use digital tools like the Quashed Market Scan to compare quotes across multiple providers side by side.

  • Instant Quotes: Entering your vehicle’s registration plate (rego) on an insurer’s website pulls your vehicle details automatically, allowing you to get a customized quote in about 2 minutes.

2. Tailoring and Buying Your Policy

  • Policy Customization: You can digitally adjust your excess level, choose between comprehensive or third-party tiers, and select add-ons like roadside rescue or excess-free glass cover.

  • Instant Sign-up & Digital Payments: You can complete the full underwriting questionnaire, set your policy start date, input your credit card or direct debit information, and purchase the policy live. Documentation is emailed immediately.

  • Online-only Perks: Insurers frequently offer financial incentives, such as $100 digital Visa gift cards or premium discounts , specifically for completing your purchase online without staff assistance.

3. Policy Management and Alterations

Using customer portals (such as My State , My Tower , or My Cove), you can handle routine updates via your browser or phone app:

  • Updating Details: Change your address, register a new vehicle, or modify your annual mileage.

  • Driver Modifications: Add or remove listed secondary drivers.

  • Policy Documents: Download your certificate of currency (proof of insurance) or policy schedules at any time.

4. Lodging Claims

  • Submission: If you get into an accident, you can fill out a guided claims form online, log the details, and upload photos of the vehicle damage and receipts directly.

  • Auto-Approval: Many minor or straightforward online claims (such as standard windscreen chips) are automatically processed and approved instantly by digital algorithms.

⚠️ When might you still need to call?

While the default journey is entirely digital, a phone call may be requested if:

  1. Your car has extensive, non-standard modifications (e.g., custom turbos or internal engine changes).

  2. You have a complex driving or criminal history that requires manual underwriting approval.

  3. You need urgent emergency assistance, such as an immediate roadside tow from an accident scene.

If you are looking at specific providers, would you like to know which ones offer live web chat support so you can ask questions online without dialing? Or are you trying to find out which insurers offer the best discounts for online sign-ups right now?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

Which parts of getting NZ car insurance can be completed online without a phone call?

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.

The specific parts of the process that can be completed entirely online include:

  • Getting a quote: Entering your vehicle registration plate number (or make, model, and year), driver details, history, and desired excess to receive an instant premium calculation.

  • Policy customization: Selecting your level of cover (Comprehensive, Third Party Fire & Theft, or Third Party) and adding optional extras like roadside assistance, excess-free glass cover, or rental car cover.

  • Identity and history declaration: Answering standard underwriting questions digitally regarding your driving record, insurance history, and nominated drivers.

  • Payment and binding: Entering credit/debit card or direct debit details to pay for the policy (either monthly or annually) and instantly binding the coverage to start immediately or on a future date. [Cove Insurance NZ]

  • Policy documentation: Receiving your Certificate of Insurance and policy wording instantly via email or downloading them from a customer portal.

  • Ongoing policy management: Updating your address, adding/removing drivers, changing payment methods, or renewing your policy through web portals or apps (like Cove Insurance My Cove). [Cove Insurance NZ]

  • Submitting and tracking claims: Lodging standard vehicle damage or accident claims through online forms, uploading photos of the damage, and receiving instant automated approvals for eligible claims.

Note on exceptions: While the vast majority of these steps are automated, you may occasionally be prompted to call or use live chat if your vehicle or history triggers non-standard underwriting exceptions—such as heavily modified/rare import vehicles, a history of multiple serious disqualifications, or complex commercial use.

Are you looking to compare specific providers in New Zealand, or do you have a unique vehicle/driving history you'd like to check for online eligibility?

Ask anything

Captured 11 October 2026