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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

Our car is parked near the coast and exposed to severe storms. Which insurance risks matter?

If your car is parked near the coast in New Zealand and exposed to severe storms, the main insurance risks to think about are:

  • Storm surge and coastal flooding

    • Seawater or floodwater entering the vehicle can damage the engine, electronics, safety systems, upholstery, and wiring.
    • Coastal flooding can happen when high tides combine with storm surge and large waves. Natural Hazards Portal
    • Check whether your motor policy covers flood, storm, and water damage—this is usually associated with comprehensive cover rather than basic third-party cover. Consumer Protection

  • Saltwater corrosion

    • Sea spray and salt deposits can accelerate corrosion of metal parts, electrical connectors, brakes, and underbody components.
    • Gradual deterioration from exposure or lack of maintenance may not be covered, because insurance generally responds to sudden accidental damage rather than wear and tear. Consumer Protection

  • Wind damage and flying debris

    • Severe winds can throw branches, signs, roofing materials, or other objects into the vehicle, causing dents, broken glass, or more serious damage. Strong winds are a recognised storm hazard in New Zealand. Natural Hazards Portal
    • Comprehensive vehicle insurance is the type of cover most likely to address damage to your own vehicle from these events. Consumer Protection

  • Hail damage

    • Large hail can crack glass and dent body panels. Hail is one of the storm-related risks that can affect vehicles. Natural Hazards Portal

  • Landslip, falling trees, or unstable coastal ground

    • Coastal storm conditions can contribute to erosion, flooding, or ground instability in some areas. Whether damage is covered depends heavily on the policy wording and the cause of the damage. Settled.govt.nz

  • Electric and hybrid vehicle risks

    • If the car is an EV or hybrid, water exposure can be especially concerning because high-voltage components and batteries may be vulnerable. Waka Kotahi advises treating water-damaged vehicles seriously because safety systems can be affected. NZ Transport Agency

What to check on your policy

  • Is it comprehensive cover, not just third party?
  • Does it specifically include:
    • storm damage
    • flood/water damage
    • hail
    • glass damage
    • towing and recovery
  • Is the car insured for agreed value or market value? Consumer Protection
  • Are there exclusions for:
    • parking in known flood-prone areas
    • leaving the vehicle in unsafe conditions
    • pre-existing corrosion or damage?

Practical steps before a major storm

  • Move the car inland or to higher ground if possible.
  • Avoid parking where seawater could reach the vehicle, especially near dunes, estuaries, drains, or low-lying coastal roads.
  • Wash salt deposits off after exposure to sea spray.
  • Take photos of the car’s condition before a forecast severe event (useful documentation if you later need to claim).

If you tell me whether the car is petrol/diesel or EV, and whether you have comprehensive, third-party fire & theft, or third-party insurance, I can help identify the biggest gaps.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Our car is parked near the coast and exposed to severe storms. Which insurance risks matter?

When a vehicle is parked near the coast and regularly exposed to severe storms, several distinct motor insurance risks come into play. Standard comprehensive vehicle policies in New Zealand cover natural disasters and storm damage, but coastal environments introduce accelerated wear and specific high-risk loss scenarios.

The primary insurance risks to watch out for include:

  • Storm Surge and Coastal Flooding: Severe coastal storms often bring high tides, storm surges, and waves that can inundate low-lying parking areas. Saltwater immersion ruins vehicle electronics, compromises safety sensors, and typically results in the vehicle being written off as a total loss.
  • Wind-Borne Debris and Falling Objects: Coastal gales can pick up loose objects, rip branches from trees, or topple power poles near the waterfront. Comprehensive policies cover impact damage from flying debris or falling trees, provided the car was legally parked.
  • Salt Spray and Accelerated Corrosion: While standard comprehensive insurance covers sudden storm damage, long-term or gradual damage caused by persistent coastal salt spray (such as rust, paint degradation, or electrical corrosion) is generally excluded as wear-and-tear or gradual damage. However, if a severe storm accelerates acute corrosion or damages seals allowing water ingress, disputes can sometimes arise over what constitutes a sudden storm event versus lack of maintenance.
  • Locational Premium Loadings and Excesses: Insurers assess risk based on your permanent parking address. Consistently parking in a high-exposure coastal zone can lead to higher policy excesses (the amount you pay per claim) or specific storm/flood-related excess clauses.

Key Policy Checkpoints

  1. Check Your Cover Type: Ensure you hold a Comprehensive motor policy. Third-Party, Fire and Theft or basic Third-Party policies will not cover storm damage, floods, or wind-borne debris to your own vehicle.
  2. Understand Total Loss and Submersion Protocols: If a storm floods your car, do not attempt to start or drive it. Water-damaged vehicles are heavily restricted on New Zealand roads due to hidden risks in electrical and airbag safety systems, and insurers will typically manage them as write-offs.

Would you like help reviewing what specific details your current insurer’s product disclosure statement (PDS) says about flood or storm excesses?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Our car is parked near the coast and exposed to severe storms. Which insurance risks matter?

AI Overview

For a vehicle parked near the New Zealand coast during severe storms, Comprehensive Car Insurance is the primary policy type required to mitigate financial risk. Opting only for Third Party Property Damage leaves you entirely uncovered for any weather-related damages your own vehicle sustains.

The primary environmental and policy risks you face include:

1. Direct Storm and Environmental Damage

  • Storm Surge and Coastal Inundation: Severe storms frequently cause flash flooding and tidal surges. If seawater floods your vehicle, it will likely be deemed a total write-off due to salt corrosion destroying the electronics.

  • High Winds and Debris: Coastal gales often carry flying debris, break tree branches, or dislodge loose rocks. Comprehensive insurance covers panel, paint, and windscreen damage from these impacts.

  • Corrosion and Salt Spray: While gradual rust or wear-and-tear is universally excluded from car insurance policies, sudden storm-driven salt contamination or sandblasting to the exterior paintwork can be evaluated differently. However, long-term exposure from parking there regularly will not be covered.

2. Evolving Policy Risks in New Zealand

  • Risk-Based Pricing and Higher Excesses: Due to a sharp rise in catastrophic weather events across New Zealand (such as Cyclone Gabrielle and major regional floods), insurers are heavily prioritizing location-based risks. If your permanent address or regular parking location is designated as a high-risk coastal or flood zone, expect notably higher premiums or elevated storm excesses.

  • Future Uninsurability: Much like the property sector where insurers are pulling back from high-risk zones, vehicles regularly kept in zones prone to coastal erosion and severe inundation face stricter underwriting scrutiny.

Essential Insurance Types in New Zealand Compared

Insurance Type Covers Storm/Coastal Damage to Your Car? Covers Damage to Other People's Property?
Comprehensive Yes (Includes flood, wind, fire, and theft) Yes
Third Party, Fire & Theft No (Only covers storm damage if it directly triggers a fire) Yes
Third Party Property Damage No Yes

(Note: Personal injury from vehicle accidents in New Zealand is automatically covered by the government'sAccident Compensation Corporation (ACC) under a no-fault system, meaning you do not need private insurance for medical injuries).

If you would like to look closely at your coverage, tell me:

  • Who is your current insurance provider?

  • Is this a temporary parking situation (e.g., a holiday) or your permanent residential parking?

  • What is your vehicle type (e.g., standard car, campervan, or EV)?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

Our car is parked near the coast and exposed to severe storms. Which insurance risks matter?

When a vehicle is parked near the coast and exposed to severe storms in New Zealand , several distinct insurance risks and policy considerations come into play.

  • Coastal Flooding and Storm Surges: Rising sea levels, king tides, and severe onshore winds often lead to coastal inundation. Comprehensive car insurance in New Zealand generally covers sudden and accidental water damage or flooding, but salt-water immersion can heavily compromise or total a vehicle's electrical and mechanical components.

  • Windborne Debris and Falling Objects: Severe coastal gales can hurl sand, gravel, or branches, or knock down trees and power lines near coastal parking spots. Comprehensive policies cover structural dents, smashed windows, and panel damage from flying or falling debris.

  • Gradual Damage vs. Sudden Loss: Standard motor vehicle policies cover "sudden and accidental" loss. Long-term or gradual coastal degradation—such as rust, salt-air corrosion, or paint pitting from continuous sea spray—is explicitly excluded as wear and tear or maintenance. Only storm-specific acute impacts are covered.

  • Policy Tier Limitations: Basic Third Party Only (TPO) or Third Party Fire and Theft (TPFT) policies will not cover weather-related damage to your own vehicle. To be protected against coastal storms, floods, or wind damage, you must hold a Comprehensive car insurance policy. You can compare various provider definitions and details using resources like Car Insurance Comparison NZ or market overviews on platforms like Quashed.

  • Excess and Special Conditions: Some insurers may apply specific or elevated excess amounts for certain natural disaster events, or require proof that you took reasonable precautions (like moving the car if a red weather warning or explicit civil defense evacuation notice was issued prior to the flood).

If you'd like, let me know:

  • Your current insurer or policy type
  • Whether your parking spot is undercover or completely exposed

I can help you check what specific details or exclusions to look for in your pds (product disclosure statement).

Ask anything

Captured 11 October 2026