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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

My car has been at the repair shop for weeks waiting for parts. Can I get any help with transport?

Yes — in New Zealand, there are several ways you may be able to get help with transport while your car is stuck at the repair shop waiting for parts. The best option depends on why your car is being repaired, your insurance cover, and whether the delay is outside your control.

What help might be available?

  1. Your car insurance

If the repair is for an insured accident, check your policy for rental car cover, replacement vehicle cover or transport costs. Some policies cover a hire car only for a set period, while others may have specific provisions for delays in repairs or parts shortages.

  1. The repair shop or the party responsible

Ask the repairer whether they can provide a courtesy car, arrange a loan vehicle, or contribute towards rental costs. If another driver caused the accident, you may also be able to seek reasonable alternative transport costs from the at-fault party or their insurer, depending on the circumstances.

  1. Work and income support

If you cannot get to work, medical appointments or essential activities, it may be worth checking whether you qualify for assistance with essential transport through Work and Income. Eligibility depends on your circumstances, the type of assistance and your ability to meet the costs yourself.

What I would do first

  1. Call your insurer and ask whether your policy covers a replacement vehicle or reasonable transport costs for the entire repair period.
  2. Ask the repair shop in writing for an updated parts ETA and whether they can provide a courtesy car. New Zealand Consumer Protection notes that some garages offer courtesy vehicles when they need to keep your car. Fixing your car
  3. Keep receipts for taxis, public transport and rental cars in case you can claim those costs back.
  4. If the repair delay seems unreasonable, read the government's guidance on your rights when a service takes too long. Whether you have a claim depends on the circumstances, including whether the delay was outside the repairer's control. Poor quality or incomplete work

Let me narrow this down for you

I can help you work out which option is most likely to get you transport assistance.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

My car has been at the repair shop for weeks waiting for parts. Can I get any help with transport?

Being without a car for weeks due to parts delays can be immensely frustrating, especially when trying to manage work, family, and daily errands. In New Zealand, what transport help or options you can access largely depends on your insurance policy, the cause of the breakdown, and your financial situation.

The primary avenues for assistance include:

1. Check Your Car Insurance Policy

  • Rental Car / Courtesy Car Add-on: Review your comprehensive motor insurance policy. Many policies include a "temporary vehicle" or "rental car following an accident or mechanical breakdown" extension.
  • If it's a mechanical breakdown: Standard third-party insurance usually won't cover a loan car, but comprehensive policies sometimes include limited rental vehicle cover or towing benefits. However, note that if the delay is purely due to parts availability and your policy has a strict time limit on rental cars (e.g., 14 or 21 days), you may have already exhausted that benefit. It is worth calling your insurer to ask if any extensions can be made given the supply chain delays.

2. Was it an accident that wasn't your fault?

  • If your car is at the shop because of a crash where the other driver was at fault, you may be legally entitled to a not-at-fault replacement vehicle (provided by specialized accident management services that bill the at-fault driver's insurance directly).

3. Work and Income (MSD) Support

  • If you are in urgent financial hardship or facing a crisis due to a lack of transport (and it impacts your employment, health, disability, or you have no access to public transport), Work and Income may be able to help.
  • While they primarily assist with actual car repair costs (often via a recoverable grant/advance of up to $400), it is worth speaking to them if the repair bill itself is holding up the release of your vehicle and causing severe hardship. You can contact them on 0800 559 009. Note that assistance for general living/transport costs is income and asset-tested, and financial help from MSD for repairs is usually repayable.

4. Talk to the Repair Shop

  • Ask the mechanic or repair facility if they have a courtesy car you can jump into, even if you have to go on a waiting list. Many independent garages or dealership repair networks hold a few older vehicles specifically for customers experiencing extended repair delays.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

My car has been at the repair shop for weeks waiting for parts. Can I get any help with transport?

AI Overview

Yes, you can potentially get help with transport , but your options depend heavily on your car insurance policy , your relationship with the repair shop , or your eligibility for government assistance. Under New Zealand's Consumer Guarantees Act (CGA), services must be provided within a reasonable time ; however, global shipping constraints mean parts delays are often outside the mechanic's control.

1. Check Your Car Insurance Policy

Review your comprehensive car insurance policy or contact your provider to see if you have a "rental car hire" or "substitute vehicle" add-on.

  • Some policies include a rental car automatically if your vehicle is off the road due to an accident or a covered mechanical breakdown.

  • Be sure to check if there is a time limit (e.g., up to 14 days) or a dollar cap on how long they will cover the rental.

2. Ask the Repair Shop for a Courtesy Car

Many independent garages and dealership service centers across New Zealand maintain a fleet of courtesy cars for customers.

  • Request a vehicle: Since your car has been delayed for weeks, ask the shop manager if they can provide a courtesy car until your parts arrive.

  • Check the terms: If they offer one, confirm who is responsible for the insurance excess and fuel while you are using it.

3. Work and Income (MSD) Emergency Assistance

If you are on a low income or receive a benefit, you may qualify for a Recoverable Assistance Payment or an Emergency Grant through Work and Income (MSD).

  • MSD can sometimes assist with public transport costs, essential taxi fares for medical appointments, or temporary transport solutions if the lack of a vehicle impacts your ability to work or care for dependents.

  • This assistance is usually asset- and income-tested.

4. Explore Flexible Transport Alternatives

If you have to cover alternative transport out of pocket, look into short-term, flexible options common in New Zealand:

  • Car-sharing platforms: Services like Mevo (available in Wellington and Auckland) or Cityhop allow you to rent cars by the hour or day.

  • Peer-to-peer rentals: Platforms like MyCarYourRental or Roam often offer cheaper weekly rates than traditional commercial rental companies.

To help narrow down the best solution, do you know if your car is at the shop due to an insurance claim (like an accident) or a standard mechanical breakdown? If you share your general region or town , I can also suggest local transport networks or car-share options.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

My car has been at the repair shop for weeks waiting for parts. Can I get any help with transport?

If your car is stuck at the repair shop waiting for parts, your options for transport help depend on your insurance coverage, the repair shop itself, or government assistance.

Here are the main avenues you can look into in New Zealand:

  • Insurance Policy (Rental Car / Courtesy Car Add-on): Check your motor vehicle insurance policy details. If you have a "rental car after an accident" or standard courtesy car extension (and the repair is part of an insured claim), your insurer may cover a temporary replacement vehicle. If it's a mechanical breakdown rather than an accident, check if you purchased roadside assistance (like AA) that includes temporary rental car benefits.

  • The Repair Shop: Contact the mechanic or panelbeater directly. Many repairers have a few dedicated courtesy cars, local shuttle services, or arrangement deals with local rental companies. Even though your car has been there for weeks, they may be able to loan you a vehicle or drop you off/pick you up if something has just freed up.

  • Work and Income (MSD) Transport Support: If you are on a low income and urgently need transport for work, health, or essential needs, you can check your eligibility through Work and Income. While Work and Income offers assistance specifically for Car repairs (up to $400 for essential fixes), they also provide general Transport to work guidance or recoverable assistance for urgent transport needs if you meet their income and asset thresholds.

  • Community Connect / Public Transport Concessions: If you plan to use local buses or trains while waiting, remember that holders of a Community Services Card can access a 50% discount on public transport fares via the Community Connect program.

To help narrow down your best option, tell me:

  • Is the repair through an insurance claim or a private mechanical breakdown?
  • Do you need transport primarily for work, family, or medical appointments?
Ask anything

Captured 11 October 2026