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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

My car was damaged near Queenstown, but the roads to the repairer are closed. Can the insurer help with towing or a rental car?

Yes — your insurer may be able to help with towing and a rental car in New Zealand, even if roads near Queenstown are closed. It depends on your insurance policy, the cause of the damage, and whether the road closures prevent access to the repairer.

The key is to contact your insurer before arranging expensive services yourself, unless you need immediate help to keep yourself and others safe.

What your insurer may cover

  • Towing or vehicle recovery: Your policy may include roadside assistance, accident towing, or recovery to a safe location or an approved repairer. If road closures prevent delivery to your usual repairer, ask whether they can arrange an alternative destination or hold the vehicle securely.
  • Rental car or temporary transport: Some comprehensive policies include a rental vehicle after an insured accident, while others offer it as an optional extra. There may be limits on the number of days, daily cost, or when cover begins.
  • Storage and further transport: If the vehicle cannot be moved because of road closures, ask whether necessary storage, additional towing, or later transport to the repairer can be covered.
  • Emergency assistance: If your car is stranded in an unsafe location, explain this immediately and ask the insurer or its roadside-assistance provider to coordinate recovery.

Road closures alone do not guarantee cover for a rental car or towing, and additional costs may need approval first.

What to do now

  1. Call your insurer's claims or emergency-assistance line. Explain that the car is damaged near Queenstown and the roads to the repairer are closed.
  2. Ask for written approval for towing, vehicle storage, an alternative repairer and a rental car or other transport.
  3. Keep evidence of the damage, road closures, towing quotes, receipts and any extra accommodation or transport costs.
  4. Don't drive on closed roads or arrange costly recovery without approval unless immediate safety requires it.

For context, NZ insurers' benefits vary: ASB says reasonable towing or transport may be covered under an accepted full-cover claim when the vehicle cannot be driven, while AA Insurance says rental-car cover depends on having selected that benefit. How to make a claim for your vehicle - Claim processMaking a car insurance claim – Find out how

Tell me which insurer you use

Which company insures your car — for example, AA Insurance, AMI, State, Tower, AMI, or another provider? I can check its New Zealand policy wording and help you work out what to ask for in your situation.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

My car was damaged near Queenstown, but the roads to the repairer are closed. Can the insurer help with towing or a rental car?

Yes, your car insurance provider can typically help, but it depends heavily on the specific type of policy you hold, your add-on benefits, and the exact nature of the road closure.

1. Towing Assistance

  • If you have Roadside Assistance: Add-on services (such as AA Roadside, AMI Roadside Rescue, State Roadside Rescue, etc.) or comprehensive policies that include towing will generally cover transporting a vehicle to the nearest safe place or approved repairer.
  • The Road Closure Catch: If the roads to the repairer are officially closed due to weather, slips, or emergency events, a tow truck operator will not be legally permitted or able to drive through those closed routes. Insurers and towing partners cannot bypass civil road closures.
  • Alternative Towing Solution: In this scenario, the insurer or towing provider will usually arrange to tow your car to a secure, temporary holding yard or a safe location near you until the roads officially reopen, rather than transporting it straight to the distant repairer.

2. Rental Car / Alternative Transport

  • Comprehensive Policy Benefits: Many standard comprehensive car insurance policies in New Zealand include a rental vehicle benefit (or "temporary vehicle allowance") if your car is unroadworthy or being repaired following an accident or insured event.
  • Policy Limits: Check your specific policy wording. Rental car benefits often have a maximum daily limit (e.g., up to $50–$100 a day) or a total cap (e.g., up to $500–$1,000 per claim), and usually apply for a set number of days.
  • Availability Constraints: Because you are near Queenstown—an area prone to regional weather events and isolated road networks—keep in mind that local rental car fleets can book out quickly during peak times or weather disruptions. If you need a rental car to get around while your vehicle is stuck or waiting for transit, contact your insurer's claims team immediately to authorize and secure a vehicle.

Recommended Next Steps

  1. Call your insurer’s claims or roadside assistance line: Inform them that your car is damaged and that regional road closures are blocking the direct route to the repairer.
  2. Ask about interim storage: Confirm if they can arrange a safe local tow or holding facility in the interim.
  3. Check your rental car entitlements: Explicitly ask if your policy includes a rental vehicle allowance while your car is awaiting transport and repairs.

Would you like help finding the specific claims contact number for your insurance provider?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

My car was damaged near Queenstown, but the roads to the repairer are closed. Can the insurer help with towing or a rental car?

AI Overview

Yes, your insurer can generally assist with towing, but providing a rental car depends strictly on your specific policy additions.

Because the roads to your repairer are closed, managing the logistics safely and legally requires coordinating directly with your insurance provider and local transport authorities.

🚗 Towing and Vehicle Recovery

If you have Comprehensive Car Insurance , towing the vehicle from the site of the damage to a safe storage yard or an approved repairer is usually covered under standard emergency recovery benefits.

  • The Road Closure Hurdles: If local roads near Queenstown are blocked due to weather events, slips, or accidents, towing companies cannot legally or physically access the route.

  • What to do: Do not attempt to move the vehicle yourself. Call your insurer’s claims line immediately. They will coordinate with regional recovery networks and may arrange for your car to be safely stored at a local holding yard until the NZTA Waka Kotahi Journey Planner confirms the roads are cleared and reopened.

🔑 Rental Cars (Substitute Vehicles)

A rental or "courtesy" car is not automatically included in basic comprehensive policies in New Zealand.

  • Policy Extensions: Your insurer will cover a rental car only if you have a specific "Rental Car / Substitute Vehicle" or "Loss of Use" optional add-on active on your policy.

  • If it was not your fault: If your vehicle was damaged due to an accident caused by an identifiable third-party driver, you may be eligible for an accident replacement vehicle at no cost to you via specialized recovery services.

  • Exclusions to keep in mind: If you are currently driving a rental car that was damaged, be aware that standard rental contracts strictly void insurance coverage if you ignore active road closures or drive on restricted local tracks such as Skippers Canyon Road or the Nevis Road.

📋 Recommended Next Steps

  1. Check Live Road Status: Monitor the NZTA Waka Kotahi Map for immediate updates on local Queenstown road closures and structural bypasses.

  2. Contact Your Insurer: File the initial incident report. Ask them explicitly: "Will you cover the initial tow to a temporary storage yard while the repairer's road is closed?" and "Is a rental car extension active on my policy?"

  3. Log the Location: If your vehicle is safely parked on the roadside waiting for a tow, ensure it does not block traffic or visibility, which violates parking laws and risks additional local council fines.

To help give you more specific guidance, could you tell me:

  • Is your vehicle drivable , or is it completely stranded?

  • Are you currently dealing with a personal vehicle or a commercial rental car?

  • Do you know if your insurance policy features an active rental car extension or roadside assistance package?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

My car was damaged near Queenstown, but the roads to the repairer are closed. Can the insurer help with towing or a rental car?

Yes, your insurer can typically help, but it depends heavily on your specific policy type, whether you have comprehensive coverage, and any add-on benefits you selected.

  • Towing: If you have comprehensive car insurance, most New Zealand insurers (such as Tower Insurance) include coverage to tow your car to the nearest safe place or repairer if it is undriveable after an accident. However, if roads to the repairer are closed, they will usually tow it to a secure holding yard or a safe location first until the roads reopen and transport to a repairer becomes possible. [Tower Insurance NZ]

  • Rental Car: Rental car provision usually requires an optional add-on benefit on your comprehensive policy (such as rental cover or roadside assistance packages). If you hold this benefit and your claim is accepted, they will cover or contribute to a rental vehicle while your car is undriveable or awaiting repair. If you don't have rental cover on your policy, the insurer generally won't provide a rental car for road-closure delays unrelated to the physical repair timeline itself.

If you'd like, let me know:

  • Who your specific insurer is (e.g., AA Insurance, Tower, AMI, State)
  • What level of cover you have (Comprehensive vs. Third Party)
  • Whether you added roadside assistance or rental vehicle options

I can give you a more precise answer based on your provider's policy rules.

Ask anything

Captured 11 October 2026