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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 NZ comprehensive car insurance normally cover a car damaged by flooding or hail?

Yes — in New Zealand, comprehensive car insurance normally covers damage to your own car caused by both flooding and hail. However, the exact cover depends on your insurer's policy wording, exclusions and circumstances of the damage. Car insuranceComprehensive Car Insurance | Full Vehicle CoverMotor Vehicle Insurance Policy Details

What is usually covered?

Flood damage

Usually covered when floodwater causes sudden, accidental damage to your car, such as water entering the vehicle or damaging its engine or electronics. Your insurer will assess the circumstances and applicable exclusions.

Hail damage

Usually covered, including dents to the bonnet, roof and bodywork, and other accidental damage caused by a hailstorm.

For example, State Insurance explicitly includes accidental damage caused by flood or storm under its comprehensive car insurance, while MAS lists storm, hail, rain and flood damage among its comprehensive cover benefits. Comprehensive Car Insurance | Full Vehicle CoverMotor Vehicle, Bike and Car Insurance

Important exceptions to check

  • Excess: You'll generally need to pay your policy excess if the claim is accepted. This can be significant for hail damage if the repair bill is relatively small. Car insurance
  • Floodwater and driving: Deliberately driving through floodwater or continuing to drive in dangerous conditions could affect a claim, depending on the policy and circumstances.
  • New policies: Some insurers have a waiting period for storm or flood damage when you first take out a policy. For example, AA Insurance applies a 48-hour restriction in certain circumstances. Comprehensive Car Insurance Policy
  • Existing damage: Damage that occurred before your cover started generally isn't covered. Comprehensive Car Insurance Policy

What if you only have third-party insurance?

Type of cover Flood and hail damage to your own car
Comprehensive Usually covered, subject to policy terms
Third party, fire and theft Generally not covered
Third party only Generally not covered

The New Zealand government's Consumer Protection guidance explains the differences between these cover types. Car insurance

Bottom line: If you have comprehensive car insurance in New Zealand, you can normally claim for sudden flood or hail damage, less any applicable excess. Check your current policy wording for exclusions and restrictions.

If you tell me your insurer (for example, AA, AMI, State, Tower or MAS), I can help check the specific terms that apply to your policy.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Does NZ comprehensive car insurance normally cover a car damaged by flooding or hail?

Yes, comprehensive car insurance policies in New Zealand normally cover a vehicle damaged by flooding or hail.

Standard comprehensive policies protect against "sudden and accidental physical loss or damage", which includes natural perils and severe weather events like storms, floods, and hailstorms.

Key Details to Keep in Mind:

  • Stand-down Periods: Many New Zealand insurers enforce a 48-hour to 72-hour stand-down period on natural disaster and storm/flood cover when you first buy a brand-new policy (meaning you cannot claim if damage occurs immediately after purchasing). This does not affect long-standing or renewing policies.
  • Excess: You will typically need to pay your standard policy excess when making a claim for flood or hail damage. If hail damages your vehicle's glass, some policies handle windscreens differently, but body panel dents and flood repairs generally require paying the standard excess.
  • Reckless Behavior: Coverage can be declined if a driver knowingly drives through deep, hazardous floodwaters (which insurers may categorize as reckless or intentional risk-taking) rather than being caught out unexpectedly.

(Note: Third-Party Only or Third-Party, Fire and Theft policies typically do not cover accidental flood or hail damage to your own car).

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Does NZ comprehensive car insurance normally cover a car damaged by flooding or hail?

AI Overview

Yes, comprehensive car insurance in New Zealand normally covers damage caused by flooding or hail.

Major Kiwi insurers classify severe weather events—such as storms, floods, and hailstorms—as "sudden and accidental loss ," which is the foundational basis for comprehensive cover. Lower tiers of car insurance, like Third Party Only or Third Party, Fire and Theft , do not cover weather damage to your own vehicle.

🌧️ How Flooding and Hail Claims Work in NZ

  • Standard Excess Applies: You will normally have to pay your standard policy excess when making a claim for flood or hail damage.

  • The "Glass Cover" Catch: If a hailstorm shatters your windscreen, it might be processed under an "excess-free glass" optional benefit if you have it. However, if the hail also dented your car's panels, you will still need to pay your standard policy excess to cover the bodywork repairs.

  • One Event, One Excess: If the storm or flood damages multiple assets insured under the same provider name at your address (e.g., your car and your house), major NZ insurers—like AA Insurance or AMI—usually apply a "one event, one excess" rule, meaning you only pay the highest single excess across the affected policies.

  • Water Damage Inspections: For deep floodwater damage affecting the engine, electrical systems, or interior, insurers will assess whether the vehicle is viable to fix or if it must be classified as a statutory write-off (total loss) due to high safety risks.

🚫 Key Exclusions to Keep in Mind

  • Gradual Damage: Insurance only covers sudden, unpredictable weather events. It will not cover gradual rust, mould, or water degradation resulting from pre-existing leaks or poor vehicle maintenance.

  • Reckless Driving: If you intentionally or recklessly drive into known, deep floodwaters (such as bypassing a closed-road sign), your insurer may deny the claim under standard "reckless act" exclusions.

If you are dealing with recent storm damage, let me know:

  • Has your car suffered panel dents, broken glass, or internal water damage?

  • Are you looking for information on how to lodge a weather-related claim?

I can guide you through the typical steps required by New Zealand insurers.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

Does NZ comprehensive car insurance normally cover a car damaged by flooding or hail?

Yes, comprehensive car insurance in New Zealand normally covers your vehicle if it is damaged by sudden natural events like flooding, storms, or hail.

Here are the key things to know about how this cover works in New Zealand:

  • Inclusions under Comprehensive Cover: Standard comprehensive policies (from major insurers like State Insurance, AA Insurance, and Tower) protect your own car against accidental damage, which includes weather events such as floods, torrential rain, heavy storms, and hail. [State Insurance NZ]

  • Lower Tiers Excluded: Lower levels of cover—such as Third Party Only or Third Party Fire & Theft—will not cover weather-related damage to your own vehicle. They only cover damage you cause to other people's property. [EEK Mechanical]

  • The Excess Applies: If you make a claim for flood or hail damage, you will generally need to pay your standard policy excess.

  • Sudden and Accidental: The damage must be from a sudden, unexpected event. For example, driving your car knowingly into a deep, flooded ford where water enters the engine might sometimes face scrutiny or denial under "reckless behavior" clauses, whereas a parked car caught in a flash flood or a sudden hailstorm is fully covered. [EEK Mechanical]

If you'd like, I can help you check the specific policy guidelines or excess details for a particular New Zealand insurer. Which company is your policy with?

Ask anything

Captured 11 October 2026