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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 need two cars for work and school, but insuring both fully is expensive. Could we choose different levels of cover?

Yes — absolutely. In New Zealand, you can insure two cars at different levels of cover, and it can be a sensible way to reduce your household insurance costs when you need one car for work and another for school runs.

You don't necessarily need comprehensive insurance on both cars. The best combination depends on each car's value, how much you rely on it, and whether you could afford to repair or replace it yourself if something happened.

Three levels of car insurance in NZ

1. Comprehensive

Broadest cover

Usually covers accidental damage to your own car, theft, fire and damage you cause to other people's property, subject to the policy terms and excess.

Best for: Your newer, more valuable car or the vehicle you depend on most.

2. Third-party, fire and theft

Covers damage you cause to other people's property, plus specified events such as your car being stolen or catching fire.

It generally doesn't cover accidental damage to your own car if you cause a crash.

Best for: An older car that still has enough value to protect against theft or fire.

3. Third-party property only

Generally covers damage your car causes to other people's vehicles or property, up to the policy limit. It doesn't cover damage to your own car.

Best for: A lower-value car you could afford to repair or replace yourself.

These are the usual categories; the precise benefits, exclusions and limits depend on the insurer and policy.

What I'd consider for your family

A sensible starting point would be:

Vehicle Cover to consider Why
Newer or more expensive car Comprehensive Protects you against a potentially large repair or replacement bill
Older, lower-value car Third-party, fire and theft Reduces premiums while retaining some protection for theft and fire
Very low-value car Third-party only Cheapest option, if you can afford to replace your own car

This approach fits the general guidance from Consumer Protection NZ. Car insuranceCar insurance buying guide

One important consideration: if either car is essential for getting to work or taking children to school, think about whether you could manage without it while paying for repairs or arranging a replacement. A cheaper policy can cost much more in the long run if you have an at-fault accident.

Other ways to save

  • Compare at least three insurers. Ask for quotes on both cars with different cover combinations.
  • Increase the excess if you have enough savings to cover it after an accident.
  • Ask about multi-policy or multi-car discounts. Check whether insuring both cars with one provider actually works out cheaper.
  • Check who needs to be covered. Named-driver restrictions may reduce premiums, but make sure everyone who regularly drives either car is properly covered. Car insuranceCar insurance buying guide

Let's work out which combination makes sense

If you tell me a little about your two cars, I can help you decide where it's most reasonable to reduce cover.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

We need two cars for work and school, but insuring both fully is expensive. Could we choose different levels of cover?

Yes, you can absolutely choose different levels of cover for your two cars. New Zealand insurance providers do not require both vehicles to be on the same policy tier, meaning you can mix and match based on each car's value, how it is used, and your budget.

A common strategy for households looking to cut costs is to assign cover levels based on risk and vehicle worth:

1. Match the Cover to Each Car's Value and Role

  • The Main/Valuable Car (often used for work or longer commutes): This is usually the better candidate for Comprehensive cover. If this car is newer, financed, or essential for your income, comprehensive cover ensures that accidental damage, storms, or a write-off won't leave you stranded or facing a massive replacement bill.
  • The Secondary/Older Car (often used for school runs or local trips): If this vehicle is older, has a lower market value, or you could comfortably replace it out of savings if it were damaged, you might drop it to Third Party Property Damage or Third Party, Fire and Theft.

2. Understand What You Give Up (and Keep)

  • Third Party Only: This is the cheapest option. It does not pay to fix your own car if you cause an accident. However, it does protect you legally and financially if you accidentally crash into someone else's expensive vehicle or property (often covering millions in liability). Because a major financial risk in New Zealand is hitting a high-end car, holding at least third-party cover is widely considered a necessary safety net even for low-value cars.
  • Third Party, Fire and Theft: A middle-ground option. It covers damage you cause to others, but also protects your own car specifically if it is stolen or catches fire (which can be useful if the car is parked on the street or in higher-risk areas).

3. Ways to Maximise Savings Further

If you want to keep both cars protected but lower the premiums, consider these adjustments:

  • Adjust your excesses: Choosing a higher voluntary excess lowers your regular premium, provided you have that cash set aside in case you need to make a claim.
  • Multi-policy or multi-car discounts: Even if the cars have different cover levels, insured households often get a discount by keeping both vehicles (and potentially house or contents insurance) under the same provider. It is worth asking insurers about multi-policy bundles.
  • Review listed drivers: Make sure only the people actually driving the school or work cars are listed on each policy, as adding younger or occasional drivers can needlessly increase costs.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

We need two cars for work and school, but insuring both fully is expensive. Could we choose different levels of cover?

AI Overview

Yes, you can absolutely choose different levels of insurance cover for each car. New Zealand insurance providers treat each vehicle as a separate policy, meaning you do not have to buy the same level of protection for both.

Mixing and matching your coverage is a highly effective way to lower your overall insurance costs.

Insurance Combinations to Consider

To balance your budget and your risk, you can choose from three main types of car insurance in New Zealand:

  • Comprehensive Cover: This covers accidental damage to your own car, theft, fire, and your liability for damage to someone else's property.

  • Third Party, Fire and Theft: This does not cover accidental damage to your own vehicle, but it protects you if your car is stolen, catches fire, or if you damage someone else's property.

  • Third Party Only: This is the cheapest option. It only covers damage you cause to other people's cars or property. It provides zero financial protection for your own vehicle.

How to Split Your Coverage

A common and practical strategy for a two-car household includes:

  • The School Car (Lower Cover): If the car used for school or short commutes is older, has a low market value, or is easily replaceable, you can insure it under a Third Party Only or Third Party, Fire and Theft policy. If it gets into an accident that is your fault, you will have to pay to fix or replace it yourself, but your premium will be very low.

  • The Work Car (Higher Cover): If your work vehicle is newer, financed, or essential for earning your income, you should keep it on Comprehensive Cover. This ensures that an accident won't leave you without a functioning vehicle or facing a massive repair bill.

Additional Ways to Cut Costs

If you decide to insure both cars with the same provider, you can often unlock extra savings:

  • Multi-Policy Discounts: Most major NZ insurers (like AMI, State, AA Insurance, and Tower) offer discounts if you hold multiple policies with them.

  • Adjusting Your Excess: You can choose a higher excess (the amount you pay upfront during a claim) on one or both cars to immediately lower your monthly or annual premiums.

To help me tailor this, how much are the two cars roughly worth , and will a driver under 25 be using the school car? Knowing these details can help point you toward the most cost-effective setup.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

We need two cars for work and school, but insuring both fully is expensive. Could we choose different levels of cover?

Yes, you can absolutely choose different levels of cover for your two vehicles. In New Zealand , insurance providers allow you to mix and match policies based on each car's individual value, how it is used, and your risk tolerance.

A common strategy for multi-car households is to tailor the protection level to each specific vehicle:

  • Comprehensive Cover for the Work/Main Car: This is the highest level of protection. It covers accidental damage to your own car regardless of who is at fault, as well as damage you cause to other people's property, fire, and theft. It is usually best suited for newer, higher-value, or heavily relied-upon vehicles where you cannot afford the financial hit of replacing or repairing it out-of-pocket.

  • Third Party, Fire & Theft or Basic Third Party for the School/Secondary Car: If your second car is older, has a lower market value, or you could manage if it were written off in an accident that was your fault, you can step down the cover. Basic third-party insurance only covers damage you do to other people's cars or property, while third-party fire and theft adds protection if the vehicle is stolen or catches fire. Neither covers accidental damage to your own car if you cause a crash, which keeps the premium significantly lower.

Things to consider before mixing and matching:

  • The "Uninsured Third Party" Risk: If you choose basic third-party cover for your second car and someone who is uninsured crashes into you (and it's their fault), recovering repair costs can be complex, though some NZ insurers offer limited relief if you have the other driver's details. [AA Insurance]

  • Financing Requirements: If either of the vehicles is currently under finance, a secured loan, or lease, the lender will typically mandate that you hold full Comprehensive insurance on that specific car until the debt is paid off.

  • Multi-Policy / Multi-Car Perks: While traditional multi-policy bundling discounts have shifted or evolved across the New Zealand insurance market, keeping both cars with the same provider can still offer benefits like paying only a single excess if a single event (like a storm or home garage fire) damages both vehicles.

To help figure out the best combination, tell me:

  • What are the approximate market values or ages of the two cars?
  • Are either of the vehicles financed or leased?

I can help you weigh whether dropping cover on one car makes financial sense for your household.

Ask anything

Captured 11 October 2026