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

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

  • 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

  • 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

  • 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

  • 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

  • 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

  • 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

  • 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

  • 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

  • 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

  • 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

  • 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

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.

ChatGPT · New Zealand

How can I verify whether roadside help or a courtesy car is actually included when buying online?

When buying online in New Zealand, don’t rely only on a listing that says “roadside assistance” or “courtesy car included”. Verify it in the actual policy, warranty, or purchase documents. Financial Markets Authority

Steps to check

  1. Find the official terms and conditions

    • Look for links such as:
      • “Policy wording”
      • “Product disclosure statement (PDS)”
      • “Benefits”
      • “Optional extras”
      • “Warranty terms”
    • Marketing pages may highlight benefits, but the terms explain limits and exclusions. Financial Markets Authority
  2. Check whether it is included or optional

    • Look for wording such as:
      • “Included as standard”
      • “Automatically included”
      • “Optional add-on”
      • “Available if selected”
    • Some insurers include roadside assistance only on certain policies or if it appears on your policy schedule. NZI Site
  3. Search the document for specific terms
    Use the PDF search function for:

    • “roadside”
    • “breakdown”
    • “towing”
    • “hire car”
    • “rental vehicle”
    • “courtesy car”
    • “alternative transport”
  4. Check the conditions
    Confirm:

    • Is it available after a breakdown, an accident, or both?
    • Is there a limit on days or dollars?
    • Is there a maximum number of call-outs?
    • Does it apply to your vehicle or only certain drivers?
    • Are there exclusions (for example, servicing issues or misuse)? Consumer NZ
  5. Check your final confirmation documents
    Before paying or accepting:

    • Save a copy of the online quote.
    • Check the final policy schedule/order confirmation.
    • Make sure the benefit is listed there, not just in an advertisement. NZI Site
  6. Ask the seller/provider in writing
    If it is unclear, send a message such as:

    “Can you confirm whether roadside assistance and a courtesy car are included in this purchase at no extra cost? Please confirm the exact limits and where this is stated in the policy or agreement.”

    Keep the reply with your purchase records.

If you’re buying a car, also check whether the benefit comes from the dealer warranty, manufacturer roadside programme, or your insurance policy—they can have different rules. Consumer Protection

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

How can I verify whether roadside help or a courtesy car is actually included when buying online?

When buying a vehicle online, verifying whether extras like roadside assistance or a courtesy car are genuinely included requires a bit of diligence, as online listings can sometimes be broad or use promotional wording.

To ensure you are fully covered and don't encounter unexpected out-of-pocket costs down the line, use the following steps to verify these inclusions:

1. Check the Fine Print and Terms & Conditions

  • Look for asterisks and conditional phrasing: Phrases like "Roadside assistance included" often have fine print. Check if it is only included for a limited period (e.g., the first 12 months) or restricted to specific tiers (e.g., only on brand-new vehicles, certified pre-owned, or specific trim levels).
  • Define the courtesy car triggers: A courtesy car is rarely given unconditionally. Read the terms to see when it applies. For instance, does it apply only during routine servicing, or does it require a major mechanical breakdown happening a certain distance (e.g., over 100 km) from your home? Are fuel and insurance excess waivers your responsibility?

2. Request a Written Confirmation or Invoice Breakdown

  • Get it in writing: Never rely solely on a banner on a website, a pop-up ad, or a salesperson's verbal/chat message. Ask the online dealer or customer service representative to email you written confirmation or an itemized quote/invoice.
  • Specify the exact service provider: If roadside help is included, find out which provider backs it (e.g., AA, First Rescue, NZRA). Knowing the provider lets you check what standard benefits they actually offer.

3. Review the Vehicle Status (New vs. Used vs. Imported)

  • New Vehicles: Brand-new cars sold through official networks almost always bundle manufacturer-backed roadside assistance and sometimes courtesy options for the duration of the warranty period.
  • Used or Imported Vehicles: If you are buying a used or Japanese import car online from a dealer, roadside assistance and courtesy cars are not automatically guaranteed. Dealers sometimes bundle a third-party roadside package as a promotional incentive, but you must confirm whether it is active on delivery or if you have to register it yourself.

4. Cross-Check Consumer Protection Standards

  • Keep in mind that under New Zealand consumer laws (such as the Consumer Guarantees Act when buying from a registered trader), businesses must guarantee that vehicles are of acceptable quality and fit for purpose. However, dealers are not legally forced to provide a courtesy car during repairs unless it was explicitly part of the sales contract or a specific dealership promotion. Therefore, if it is not explicitly written into your purchase agreement, you cannot legally demand it later.

5. Inspect Alternative Coverages You May Already Have

If the online seller doesn't include these perks, or if the fine print makes them hard to claim, check your other existing policies:

  • Car Insurance: Many comprehensive car insurance policies in New Zealand either include roadside assistance automatically or offer it as a low-cost add-on.
  • Membership/Banking Perks: Membership organizations (like the AA) or certain credit cards and bank accounts bundle roadside rescue as part of their package.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

How can I verify whether roadside help or a courtesy car is actually included when buying online?

AI Overview

When buying a vehicle or insurance online in New Zealand, you can verify if roadside help or a courtesy car is included by checking the Certificate of Insurance (or vehicle purchase agreement), reviewing the Policy Wording document for specific exclusions, and confirming whether these features are standard or paid "add-ons." Do not assume they are automatically included; in NZ, roadside assistance and courtesy cars are frequently treated as optional, paid extras.

Here is how you can systematically verify both benefits before hitting the final "buy" button.

1. Verifying Roadside Assistance

  • Look for explicit "Add-On" checkboxes: When buying car insurance online (e.g., via Tower, State, or Westpac), roadside assistance is rarely standard unless you are buying a top-tier premium policy. Look closely at your online quote summary to see if a product like "

Roadside Rescue

" or "RoadWise" is listed as a selected optional extra.

  • Check the Policy Summary Page: Before entering payment details, the online portal will generate a summary of cover. Ensure "Roadside Assistance" is explicitly listed with a checkmark or a dollar value next to it.

  • Verify "Person vs. Car" coverage: Read the quick-link terms. Some policies cover the specific vehicle (meaning anyone driving it can call for help), while memberships like the NZAA (AA) cover the person regardless of what car they are in.

2. Verifying a Courtesy Car / Rental Cover

  • Distinguish between "Accident" and "Breakdown": Online descriptions can be intentionally vague. Most courtesy car provisions in NZ insurance policies only apply if your car is stolen or damaged in an accident where you are not at fault. They almost never provide a courtesy car for a mechanical breakdown.

  • Search the Policy Wording (PDF) for "Limits": Open the online policy wording document and search (Ctrl + F) for "Courtesy Car" or "Rental Vehicle". Check the exact limits:

  • Duration: Is it capped? (e.g., "Cove Insurance" limits courtesy car hire to 30 days).

  • Daily allowance: Does it cover the full rental cost, or just a maximum dollar amount per day?

3. If You Are Buying a Vehicle Online (Dealers & Manufacturers)

  • Check the Warranty Framework: If you are buying a brand-new or certified used car online (e.g., through Toyota NZ or KGM NZ), check the warranty section of the breakdown text. New vehicles usually bundle complimentary roadside assistance for the duration of the manufacturer's warranty.

  • Review the Sale Agreement: Before finalising a digital purchase from an online dealership, inspect the final line-item invoice. If they promised roadside help, it must be explicitly coded into the invoice or mechanical breakdown insurance (MBI) paperwork.

Quick Verification Checklist

What to look for online Where to find it What it tells you
Quote Summary Breakdown Final checkout page Verifies if you are paying an extra premium for roadside assistance.
Policy Wording PDF "Optional Covers" section Spells out the exact limits, daily caps, and stand-down periods for a courtesy car.
Email Confirmation Draft Policy Certificate If it isn’t explicitly itemised on your draft certificate, you are not covered.

If you want to make sure your bases are completely covered, let me know:

  • Are you looking at a specific insurance provider or a car dealership's website?

  • Is the vehicle you are purchasing brand new or second-hand?

I can give you the exact steps or terms to watch out for with that specific provider.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

How can I verify whether roadside help or a courtesy car is actually included when buying online?

When buying a vehicle online, promotional offers or bundled perks like roadside help and courtesy cars can be easily misunderstood. Because online listings may generalize or omit fine print, you need to verify these inclusions in writing before completing the transaction.

Here is how you can verify whether roadside assistance or a courtesy car is genuinely included:

  1. Review the Consumer Information Notice (CIN) and listing details
    If you are purchasing from a registered motor vehicle trader online, they are legally required to provide accurate information. Check the digital CIN or the main vehicle specifications page on the dealer's site. Look specifically for add-ons, promotional bundles, or warranty packages listed under the vehicle price.
  2. Examine the terms and conditions of the specific warranty or package
    If roadside help or a courtesy car is listed as part of a complimentary mechanical warranty or promotional deal, do not rely on the headline claim. Request or locate the full, unedited policy document. Check for hidden clauses such as:
  • Whether a courtesy car is only available during major servicing or only if the car is off the road due to a covered mechanical failure (and whether it is subject to availability).

  • Whether roadside rescue requires a separate third-party signup (such as an AA Roadservice subscription) that you have to activate yourself.

  1. Request written confirmation via email or live chat
    Never trust a verbal assurance over the phone or a vague social media/messenger reply. Ask the online sales representative to explicitly state in an email or documented chat transcript: "Does the purchase price of [Vehicle Make/Model/Stock Number] include complimentary roadside assistance and a courtesy car? If so, please outline the duration, provider, and exact conditions." This creates a paper trail protected under the Fair Trading Act, which prohibits misleading claims by traders. [Consumer Protection NZ]
  2. Check if it is a manufacturer promotion vs. dealer perk
    If you are buying a brand-new or demonstrator vehicle online directly from an official franchise website, roadside assist and loaner vehicles are often nationwide manufacturer standards. You can cross-reference the model's standard specifications on the official brand website or call an authorized service center to confirm if your VIN/reservation qualifies automatically.

If you'd like, let me know:

  • Are you buying from a registered dealership or a private seller online?
  • Is it a brand-new vehicle or a used import?

I can give you more specific advice on what questions to ask the seller.

Ask anything

Captured 11 October 2026