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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

I live in Gisborne and need car insurance. Which companies are worth comparing?

For Gisborne, I’d compare a mix of the big national insurers and at least one newer/digital provider. Car insurance pricing in NZ can vary a lot between companies for the same driver and vehicle, so getting several quotes is usually worthwhile. MoneyHub NZ

Companies worth comparing:

  • AA Insurance — A strong mainstream option with comprehensive, third-party, and third-party fire & theft cover. It’s worth checking if you value established claims processes and features such as agreed value options on comprehensive policies. AA New Zealand
  • AMI Insurance — Often included in NZ comparisons; its comprehensive cover includes features such as theft, storm/flood damage cover, towing after covered events, and optional add-ons. AMI Site
  • State Insurance — A large NZ insurer worth getting a quote from, particularly if you already have other policies with them. Canstar
  • Tower Insurance — Another major provider with comprehensive vehicle cover; compare both price and policy details rather than price alone. Tower Insurance NZ
  • Cove Insurance — A newer online-focused insurer that can sometimes be competitive, especially if you prefer managing policies digitally. MoneyHub NZ
  • NZI — Worth considering if you want a more traditional insurer or have a higher-value vehicle; NZI offers several levels of vehicle cover. NZI Site

When comparing quotes, check:

  • Comprehensive vs third party: If your car would be expensive to replace, comprehensive is usually the key comparison point.
  • Excess amount: A cheaper premium can come with a higher excess.
  • Agreed value vs market value: This matters if the car is written off.
  • Repairer choice: Some policies differ on whether you can choose your own repairer.
  • Weather-related cover: Given NZ conditions, check how storm, flood, and natural-event damage is handled. AMI Site
  • Add-ons: Roadside assistance, hire car cover, and windscreen cover can change the value of a policy.

For a Gisborne driver, I’d start with quotes from AA, AMI, State, Tower, and Cove, then add NZI if you have a newer or higher-value vehicle. The “best” option will depend heavily on your car model, year, driver age/history, parking situation, and how much you drive.

If you tell me your car make/model/year, your age, and whether you want comprehensive or cheaper cover, I can help narrow down which insurers are most likely to be competitive.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Gisborne and need car insurance. Which companies are worth comparing?

When shopping for car insurance in Gisborne, it is best to compare a mix of major nationwide direct insurers and specialist providers. Because premiums depend heavily on factors like your location's risk profile, vehicle type, and driving history, getting quotes from multiple companies is the most reliable way to find the best value.

Top car insurance companies worth comparing in New Zealand include:

  • AA Insurance: Consistently high-rated for customer service and claims satisfaction, backed by the NZAA network. They offer flexible comprehensive options and solid policy choices.
  • AMI Insurance & State Insurance: Both operate under IAG New Zealand and frequently rank well for comprehensive cover. State has been recognized by Canstar as a top insurer, while AMI often bundles helpful perks like roadside assistance options.
  • Tower Insurance: Known for offering a straightforward digital experience and flexible choices between agreed value and market value, making it easy to tailor your policy online.
  • Cove: A popular digital-first insurer that allows you to manage quotes, policies, and claims entirely online, often appealing to drivers looking for streamlined app-based management.

If you like, I can help outline what specific details (such as agreed vs. market value or excess levels) you should look closely at when comparing these quotes for your vehicle. Do you want me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Gisborne and need car insurance. Which companies are worth comparing?

AI Overview

In New Zealand, the top car insurance companies worth comparing include AA Insurance , Tower , Cove , AMI , and State.

Because insurance pricing depends heavily on your driving history, age, and vehicle type, it is best to gather quotes from a mix of traditional and digital-first providers to find the best deal for your situation.

Top General Insurers

  • AA Insurance: Consistently rated highly for customer satisfaction and reliability, making it a benchmark for standard policies. It features a lifetime repair guarantee on approved work. Learn more or get a quote directly from AA Insurance.

  • Tower Insurance: Known for highly customizable policies, tech-friendly claims, and regular digital sign-up incentives. Check current pricing and promotions at Tower Insurance.

  • AMI Insurance: One of New Zealand's largest direct insurers, popular for offering breakdown benefits alongside standard packages. View policy tiers on AMI Insurance.

  • State Insurance: Routinely recognized for outstanding market value, keeping standard excesses straightforward and offering quick digital application rewards. See their coverage options at State NZ.

Digital-First & Specialist Providers

  • Cove Insurance: A completely digital insurer often cited by independent analysts like MoneyHub NZ as one of the most cost-effective options for drivers over 21. Review their monthly or annual plans at Cove Insurance.

  • MAS (Medical Assurance Society): A mutual insurer that opens its membership to various professionals. They are a perennial favorite in consumer satisfaction surveys.

Comparison of Core Features

Insurer Key Benefit Highlight Underwriter Financial Strength / Structure
AA Insurance Lifetime repair guarantee, robust customer service awards Joint Venture with Vero (Suncorp); AA- Rated
Tower 2-year new car replacement, excess-free key cover NZX-listed independent local insurer
Cove Digital claim management, highly competitive pricing for 21+ Aioi Nissay Dowa (MS&AD Group)
AMI Standard accidental windscreen cover, optional Roadside Rescue IAG New Zealand
State Low standard baseline excess ($300), digital sign-up perks IAG New Zealand

Tips for Lowering Your Premium in Gisborne

  1. Opt for a Higher Excess: If you are a safe driver, increasing your out-of-pocket excess from $300 to $500 or higher will lower your ongoing regular premium.

  2. Pay Annually: Most New Zealand providers offer a 10% to 15% discount if you choose to pay your premium as a lump sum once a year instead of via monthly installments.

  3. Use Comparison Tools: To easily check multiple companies simultaneously without entering details multiple times, consider utilizing free local aggregate platforms like Quashed NZ.

To help narrow down the best policy, could you share the make and model of your car, your approximate age bracket , and whether you are looking for comprehensive cover or basic third-party protection?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Gisborne and need car insurance. Which companies are worth comparing?

When looking for car insurance in New Zealand, the top companies worth comparing include AA Insurance, Tower, Cove, AMI, and State.

Top Car Insurance Providers in New Zealand

  • AA Insurance : Highly rated for customer service and claims satisfaction, offering competitive comprehensive policies with features like a lifetime repair guarantee.

  • Tower Insurance : Known for comprehensive digital-first experiences and flexible coverage levels, offering online discounts and perks like excess-free key replacement.

  • Cove Car Insurance : A popular app- and online-based challenger brand that frequently ranks as a lower-cost option for many drivers, featuring quick digital quotes and flexible add-ons.

  • AMI Insurance and State Insurance : Well-established traditional nationwide insurers with broad coverage options, physical branch networks, and periodic promotional offers for new comprehensive policies.

Comparison and Saving Tips

  • Use comparison and tracking platforms like Quashed or research insights from Canstar NZ to evaluate policies side-by-side based on your specific vehicle and driving history.

  • Opting to pay your premium annually rather than monthly typically saves around 10% to 15% across most providers.

  • Check for active promotional codes or sign-up offers (such as online-only discounts or temporary promotional vouchers) before finalizing a policy.

If you let me know your car's make, model, and year , as well as your preferred level of cover (Comprehensive vs. Third Party), I can help narrow down which provider might suit your vehicle best.

Ask anything

Captured 11 October 2026