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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

Does comprehensive car insurance cover anything other than damage to my own car?

Yes. In New Zealand, comprehensive car insurance can cover much more than damage to your own car. Depending on your insurer and policy wording, it can also cover damage you cause to other people's property, theft, fire, and certain unexpected events.

The key distinction is that comprehensive insurance generally offers broader protection than third-party-only insurance.

What can comprehensive car insurance cover?

Type of cover What it can protect you against
Damage to your own car Accidents, collisions and some other accidental damage, even when you're at fault, subject to policy terms.
Damage to someone else's car Repair costs if you cause an accident and damage another vehicle.
Damage to other property For example, a fence, garage door or building you accidentally hit with your car.
Theft Your car being stolen, or attempted theft causing damage.
Fire and weather events Depending on the policy, fire, storms, flooding, hail or other specified events.
Windscreen and windows Repair or replacement, sometimes with a special excess or no excess.
Towing and recovery Certain towing or recovery costs after an insured accident.
Rental car Temporary transport while your car is being repaired, if this benefit is included.

These are common examples, not a guarantee that every policy includes every benefit.

Does it cover injuries to other people?

Not necessarily in the way you might expect. In New Zealand, ACC generally covers personal injuries caused by accidents, including many motor vehicle accidents. Comprehensive car insurance primarily deals with vehicle damage and legal liability for property damage. Some policies also include specific benefits relating to injuries or death, but these vary. Car insuranceComprehensive Car Insurance | Full Vehicle CoverMotor Insurance: What You Need to Know

What usually isn't covered?

Depending on your policy, exclusions or limitations may apply to:

  • Normal wear and tear, mechanical failure or breakdown.
  • Deliberate damage.
  • Driving under the influence or outside the terms of your licence.
  • Using the car in ways not covered by the policy.
  • Personal belongings stolen from the car, unless specifically covered.

Car insuranceCar insurance buying guide

What should you check in your policy?

Look for the sections covering third-party property liability, excess, windscreen cover, towing, and rental car benefits. These will tell you whether you have the extra protection you need.

For an official New Zealand overview, see Consumer Protection's car insurance guide.

In short: comprehensive insurance generally protects you against damage to your own car and the cost of damage you cause to someone else's car or property. The additional benefits depend on your insurer and policy.

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ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Does comprehensive car insurance cover anything other than damage to my own car?

Yes, comprehensive car insurance in New Zealand covers a wide range of things beyond just fixing the physical damage to your own vehicle.

While it does protect your car against accidents, vandalism, and natural disasters (like storms or floods), standard comprehensive policies also include several "extras" and legal protections. Depending on your specific insurer (such as AMI, AA Insurance, State, or Tower), coverage typically extends to:

1. Damage to Other People’s Property (Legal Liability)

If you cause an accident that damages someone else's car, fence, building, or property, your policy covers your legal liability—usually up to $20 million.

2. Legal Liability for Injuries

Many comprehensive policies include a limited amount of coverage (often up to $1 million) for legal liability relating to bodily injury caused by your car, though major personal injuries in New Zealand are primarily handled publicly by the Accident Compensation Corporation (ACC).

3. Theft and Illegal Conversion

If your car is stolen, or damaged during an attempted theft or unlawful use by someone else, your insurer will generally cover the cost of repairing it or paying out its market or agreed value.

4. Incidental Items and Add-ons

Most comprehensive plans automatically bundle specific benefits that protect items or situations linked to your vehicle:

  • Towing and Recovery: Paying to tow your car to a repairer after an accident or breakdown.
  • Transport Home: Covering reasonable costs to get you home or to a destination after your car is damaged or stolen.
  • Children’s Car Seats: Replacing child safety seats that were in the car during a covered accident.
  • Lost or Stolen Keys: Covering the cost of replacing locks and keys if they are stolen or lost.
  • Windscreen and Glass Cover: Many insurers either include glass/windscreen cover automatically or offer it as a low-excess/excess-free optional add-on.

Note: Specific limits, sub-limits, and exclusions vary between providers (e.g., whether a rental car while yours is being repaired is standard or an optional extra). Always check your specific policy wording document for exact details.

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Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Does comprehensive car insurance cover anything other than damage to my own car?

AI Overview

Yes, comprehensive car insurance in New Zealand covers far more than just damage to your own car.

Its primary and most critical extension is third-party legal liability , which shields you from massive out-of-pocket costs if you damage someone else’s property. Additionally, comprehensive policies bundle a wide range of secondary benefits designed to cover emergency costs, personal items, and legal issues.

🏛️ 1. Third-Party Legal Liability

If you cause an accident, you are legally responsible for the damage. Comprehensive insurance typically provides up to $20 million (and sometimes $25 million) in legal liability coverage. This covers:

  • Other vehicles: Repairing or replacing the other driver’s car.

  • Public and private property: Damage to houses, fences, power poles, or shopfronts.

  • Bodily injury reparation: While the government-run Accident Compensation Corporation (ACC) covers personal injury medical costs for everyone in NZ, major insurers (like AA Insurance or Tower) include legal liability for court-ordered reparation costs if you injure someone.

🎒 2. Built-in Extra Coverages

Comprehensive policies from major New Zealand insurers automatically include protection for costs beyond the physical car frame:

  • Keys and Locks: Cover to replace, recode, or reprogram your keys and locks if they are lost, stolen, or damaged (often up to $1,000 and sometimes excess-free).

  • Towing and Storage: The cost to safely tow and store your vehicle after an accident so it isn't left vulnerable on the roadside.

  • Emergency Transport and Accommodation: If an accident happens far from home and your car cannot be driven, policies often pay for your transport home or temporary hotel stays.

  • Child Car Seats: Cover to replace children's car seats or capsules after an impact, even if they show no visible damage (usually capped between $500–$750).

  • Trailers: Minor automatic cover (usually around $1,000) for damage to a domestic trailer you were towing during an incident.

⚙️ 3. Optional Common Add-ons

Depending on your provider, you can pay a slight premium increase to cover:

  • Excess-Free Glass: Windscreens and window repairs or replacements without paying your policy excess.

  • Rental/Courtesy Car: A temporary hire car while yours is being repaired or after it has been stolen.

  • Roadside Assistance: 24/7 breakdown help for flat tires, dead batteries, or running out of fuel.

If you are currently looking at policies or shopping around, let me know which insurance providers you are considering, or if you want help comparing specific policy limits between companies!

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Captured 11 October 2026

Google AI Mode · New Zealand

Does comprehensive car insurance cover anything other than damage to my own car?

Yes, comprehensive car insurance in New Zealand covers quite a bit more than just the physical damage to your own vehicle. It is the highest tier of cover available and typically bundles in liability protection, standard statutory benefits, and extra services.

Here is a breakdown of what else is commonly covered:

  • Third-Party Property Damage: If you cause an accident that damages someone else's car, fence, house, or property, your insurer covers your legal liability—usually up to $20 million.
  • Bodily Injury Reparation Orders: Many comprehensive policies in New Zealand include a specific limit (e.g., up to $250k) for legal liability regarding bodily injury reparation orders, noting that the Accident Compensation Corporation (ACC) handles personal injury treatment/compensation generally. [AA Insurance]
  • Emergency Expenses & Towing: Costs to tow your vehicle to the nearest repairer or safe storage after an accident, plus emergency accommodation or travel home if you are stranded away from home.
  • Uninsured Third-Party Benefit: Some insurers offer a limited payout (often up to $4,000) if you are hit by an identified, uninsured driver who is entirely at fault.
  • Standard Added Benefits: Automatically included perks like replacement keys if yours are stolen, damage to tents or personal belongings in certain scenarios, or cover for someone else legally driving your car with your permission.
  • Optional Extras: Depending on your provider, you can often pay a bit extra to add things like 24/7 roadside assistance , a rental car while yours is being repaired, or protected no-claim discount/bonus.

If you'd like, let me know:

  • Which insurance provider you are looking at or using
  • If you want to know about specific exclusions (like business use or mechanical breakdown)

I can help clarify how their specific policy works.

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Captured 11 October 2026