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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

We have a family car that we use every day. Which NZ car insurers should I look at?

For a family car you use every day in New Zealand, I’d start by comparing comprehensive car insurance from AA Insurance, AMI, State and Tower, then get a quote from Cove as a potential alternative.

The main things I’d look for are reliable cover for accidental damage, theft and damage to other people’s property, plus practical extras such as windscreen cover and a replacement vehicle while yours is being repaired. Comprehensive cover generally protects your own car as well as your liability for damage to others, whereas third-party cover doesn't pay for damage to your own car. Car insurance buying guideCar insurance

Which insurers should you compare?

1. AA Insurance

A good all-round option to quote first, particularly if you value agreed-value cover and a lifetime repair guarantee when using an approved AA Insurance repairer. AA members may qualify for discounts. Comprehensive Car Insurance Quote OnlineAA Car and Vehicle Insurance

Get an AA Insurance quote

2. AMI

Worth a close look for families. Comprehensive cover includes child car-seat replacement, towing and roadside assistance, while a hire car during repairs is an optional extra. Comprehensive Car Insurance | Full Vehicle CoverAMI Car Insurance | Online Quote

Get an AMI quote

3. State

A strong comparison option for value. State received Canstar's 2026 Car Insurer of the Year award, and its comprehensive policy includes child car-seat cover and towing. Check the excess and optional hire-car cover. Best Car Insurance Star Ratings and AwardsComprehensive Car Insurance | Full Vehicle Cover

Get a State quote

4. Tower

Another good option to price-check. It offers new-car replacement for eligible cars written off within two years of purchase, and rental-car cover is available if your car is stolen or undriveable after an accident. Comprehensive Car Insurance QuoteWhat is comprehensive car insurance?

Get a Tower quote

5. Cove

Worth adding if you prefer an online-first insurer. Compare its personalised premium, excess and policy benefits against the larger providers rather than assuming a digital policy will be cheaper. Compare Car Insurance Policies and Providers in NZBest Car Insurance NZ | Compare, Quote and Save

Visit Cove

What matters most for a family car?

When you compare quotes, make sure you're comparing equivalent cover, not just the annual premium.

  • Replacement car: Is a hire car or alternative transport covered while yours is being repaired or after theft?
  • Child car seats: Are damaged seats replaced, and are there limits or conditions?
  • Windscreen and windows: Is glass cover included, and is the excess waived?
  • Who can drive: Are both adults and any younger or restricted-licence drivers covered? Check driver restrictions and excesses.
  • Agreed value: Know the payout amount if the car is written off or stolen and not recovered.
  • Excess: Choose an amount you could comfortably pay after an accident.
  • Repair arrangements: Can you choose your own repairer, or must you use the insurer's network?

These details can make a substantial difference to the real value of a policy. Car insurance buying guideCar insuranceInsurance

For a daily-use family vehicle, I'd generally start with comprehensive cover, especially if replacing the car unexpectedly would put pressure on your finances.

I can narrow this down for your family

Two things would help me make a more useful shortlist: what car do you have, and roughly what year is it? For example, a 2020 Toyota RAV4 or a 2015 Mazda 3.

I'll also take into account whether you have any drivers under 25 when comparing the options.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

We have a family car that we use every day. Which NZ car insurers should I look at?

When looking for car insurance for an everyday family vehicle in New Zealand, several major providers stand out for their policy value, customer support, and claim satisfaction.

The top New Zealand car insurers to look at include:

  • Tower Insurance: Known for offering one of the most comprehensive standard policies on the market, featuring extensive benefits like excess-free key replacement and lifetime repair guarantees.
  • AA Insurance: A widely trusted joint venture backed by Vero and the New Zealand Automobile Association, offering strong customer service, lifetime repair guarantees, and high overall claims satisfaction.
  • AMI Insurance: One of New Zealand's largest direct insurers, providing flexible policy options, adjustable excess levels down to $100, and reliable nationwide support through MotorHubs and digital channels.
  • Cove Insurance: A popular digital-first challenger brand that frequently provides highly competitive, price-leading comprehensive policies with streamlined online management.
  • State Insurance: Another major IAG-backed provider offering solid comprehensive cover options, guaranteed repairs while insured, and easy online or phone management.

Because premiums depend heavily on your vehicle model, specific driver ages, and location, it is best to pull online quotes from at least two or three of these providers to find the right balance of price and coverage for your household.

If you like, I can guide you through what specific policy details (like agreed vs. market value or excess options) to check before signing up. Would you like me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

We have a family car that we use every day. Which NZ car insurers should I look at?

AI Overview

For a daily family car in New Zealand, you should look at AA Insurance, AMI, State, Tower, and Cove as your primary options. These direct providers are highly competitive for standard household vehicles and allow you to quickly gather online quotes. If you place a premium on top-tier customer satisfaction and are open to alternative models, member-owned mutuals like MAS and FMG are also highly recommended.

Because your car is a daily driver used by the family, you will most likely want a Comprehensive policy. This ensures both your own vehicle and any third-party property are covered in an accident, which is crucial given the high costs of SUVs and EVs on NZ roads.

The Mainstream Direct Insurers

AA Insurance

AA Insurance is consistently rated as one of NZ's most trusted general insurers. For a busy family car, they provide excellent peace of mind by offering a lifetime repair guarantee on all fixes completed by their approved repairers, alongside 24/7 claims support.

State Insurance

State is a highly popular option for family vehicles and was a winner of the Canstar Outstanding Value Award. Their comprehensive policies are built for everyday setbacks, offering standard features like careless driving defense (up to $10,000), emergency family transport/accommodation, and key replacement.

AMI

Owned by the same parent company as State (IAG), AMI operates a large direct network. A major perk for a daily-use family vehicle is that AMI includes unlimited free Roadside Rescue call-outs with its comprehensive plan, helping you out if the car breaks down with kids in the back.

Tower Insurance

Tower is a major independent, NZ-listed insurer. They offer great digital management tools and specialized benefits for families, such as child car seat coverage (up to $750/$500) and excess-free key replacement up to $1,000.

Cove

Cove is a newer, digital-first insurance provider. They are frequently noted by consumer platforms for having highly competitive premium pricing on common car models, though they focus strictly on online management.

Top-Rated Alternatives

MAS & FMG

If customer service and consumer trust are your absolute top priorities, you should look into MAS (Medical Assurance Society) and FMG. Both regularly top Consumer NZ’s annual satisfaction surveys for car insurance. Note that MAS was originally built for professionals, but they are open to the wider public to join as members.

Important Family Car Considerations

  • Who is driving? If you have teenagers or young drivers under 25 using the family car, make sure to look closely at young/learner driver excesses. Insurers like State and Tower have historically targeted good value rates or removed certain age-based excesses, but adding an under-25 driver will shift your premium.

  • Avoid "Fronting": If the car is primarily used by a young driver in the house, the policy must list them as the main driver. Registering it under a parent's name to save money when they aren't the primary user is considered fraud, and insurers will reject the claim if an accident occurs.

  • Payment Discounts: Most NZ insurers reward you for paying your premium annually rather than monthly, often giving a 10% to 20% discount for upfront payments.

To narrow down your choices and secure the sharpest premium, it is highly recommended to grab quotes from 2 or 3 of these providers or utilize an NZ policy aggregator like Quashed or Glimp to run a localized market scan.

To help point you toward the right tier, what is the make and model of the family car, and will any drivers under 25 be using it?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

We have a family car that we use every day. Which NZ car insurers should I look at?

For an everyday family car in New Zealand, you want an insurer that balances a strong comprehensive policy, reliable claims service, and competitive pricing.

Major car insurance providers in New Zealand to look at include:

  • AA Insurance – Consistently high customer satisfaction ratings for claims and perks like a lifetime repair guarantee. They are very popular for everyday family vehicles.

  • Tower Insurance – Known for flexible, highly digital policies and extras like excess-free key replacement on comprehensive plans. They frequently run online signup discounts.

  • AMI Insurance and State Insurance – Two of New Zealand's most established household names. They offer extensive nationwide repair networks, though premiums can sit higher depending on your location and vehicle model. [MoneyHub NZ]

  • Cove Insurance – A newer, app-driven digital insurer that frequently ranks as a lower-cost option for many vehicle models (though they typically exclude drivers under 21). [MoneyHub NZ]

  • FMG (Farmers' Mutual Group) – Highly recommended if you live rurally or work in the rural/farming sector, offering tailored private vehicle and farm-motor options.

  • MAS (Medical Assurance Society) – A great mutual option if you work or have a background in the health or legal professions.

Tips for choosing a policy for a daily family car:

  1. Agreed vs. Market Value: Check how the car's payout value is calculated. Agreed value locks in a set amount yearly, whereas market value gives you what the car is worth right before the incident.
  2. Comprehensive Cover: For an everyday car you rely on to get to work and school drop-offs, comprehensive cover is usually the safest bet as it covers damage to your own car as well as other people's property.
  3. Check the Excess: Adjusting your voluntary excess can lower your regular premium, but make sure it is an amount you can comfortably afford in an emergency.

To help narrow this down, let me know:

  • What is the make, model, and year of your family car?
  • Will any drivers under 25 be using the vehicle regularly?
Ask anything

Captured 11 October 2026