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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'm relocating cities for work. Will my address or parking situation affect car insurance?

Yes — moving to a new city in New Zealand can affect your car insurance premium and cover, particularly if your new address changes where you park your car overnight, how much you drive, or the risk of theft and damage.

The key thing to know is that insurers generally assess the risk associated with where your car is kept and how it is used, not just the city you live in.

What could change your insurance?

Factor How it may affect your insurance
Your new address Premiums can vary by area because of differences in theft, vandalism, accidents and weather-related risks.
Where you park overnight A locked garage may reduce certain risks compared with parking on the street, although the effect depends on your insurer.
Off-street parking A driveway or secure parking area may be viewed differently from an exposed roadside space.
Work parking Parking in a secure workplace car park versus on a public street may affect risk assessments or cover for certain incidents.
Your commute A longer commute or more frequent driving may change your estimated annual mileage and accident exposure.
How you use the car If your new job involves business travel or carrying work equipment, you may need to update your policy's usage details.

What should you do before moving?

  1. Tell your insurer when your moving date is confirmed. Update both your residential/contact address and the address where your car is normally parked overnight.
  2. Describe the new parking arrangements accurately. For example, a locked garage, shared apartment garage, private driveway, or street parking.
  3. Ask for your revised premium and excess. Your premium could go up, go down, or remain the same. Changing Address On Your Insurance PolicyCar insurance
  4. Confirm when the change takes effect. Don't assume the update is complete until your insurer confirms it.
  5. Check your work-related driving. Ordinary commuting is different from using your car for deliveries, client visits or other business purposes. Tell your insurer how you'll use the vehicle. Duty of Disclosure: What to Tell Your InsurerCar insurance

Failing to disclose a relevant change could complicate a future claim, depending on your policy and circumstances. New Zealand's Consumer Protection guidance recommends telling your insurer about changes that may affect your cover. InsuranceCar Insurance

How much difference could it make?

There isn't a reliable nationwide rule that one city or parking type will always be cheaper. Insurers use different pricing criteria, so getting an updated quote is the best way to find out.

For example, you can check your insurer's guidance here:

Want to estimate how your move might affect you?

The most useful detail is where your car will be parked overnight at your new place. Will it be in a locked garage, an apartment building's shared car park, a driveway, or on the street?

I can explain the likely insurance implications for your new arrangement in New Zealand.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I'm relocating cities for work. Will my address or parking situation affect car insurance?

Yes, your address and parking situation will almost certainly affect your car insurance.

When you relocate, New Zealand insurance providers recalculate your premium based on how your new location and daily habits change their risk exposure.

How Your New Address Matters

Insurers look closely at geographic risk profiles when you change your residential or postal address:

  • Area Statistics: Different suburbs and regions have varying historical data regarding vehicle theft rates, break-ins, vandalism, and traffic accident frequencies.
  • Premium Adjustments: Moving from a quiet suburban or rural area to a busier urban centre (or vice versa) can cause your premium to go up or down, even if your vehicle and driving history remain identical.

How Your Parking Situation Matters

Insurers explicitly ask where your car is normally kept overnight, and your new setup plays a direct role in your pricing and policy conditions:

  • Off-Street vs. Street Parking: Shifting from a secure, locked garage or private off-street driveway to unrestricted street parking typically increases your risk profile. Street-parked cars face a higher statistical risk of sideswipes, hit-and-runs, vandalism, and theft.
  • Security Measures: If your new place has physical barriers (like a security gate, carport, or locked garage), make sure to highlight this, as it can help mitigate potential price increases.

What You Should Do

  1. Notify Your Insurer Promptly: Do not wait until your policy renewal. Most insurers require you to update your details as soon as your circumstances or address change. Failing to disclose a permanent change in address or overnight parking location can complicate or even jeopardize a future claim.
  2. Request Written Confirmation: Contact your provider before or immediately on the day you move to update your "parking address" or overnight location. Ask for an updated breakdown of your premium, excess, or any altered policy conditions in writing.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I'm relocating cities for work. Will my address or parking situation affect car insurance?

AI Overview

Yes, your new address and parking situation will affect your car insurance.

How New Locations and Parking Change Your Risk Profile

  • Suburb and Regional Risk: Insurers calculate your premium based on local statistics for theft, vandalism, accident rates, and natural hazards in your new area. Moving from a low-risk town to a high-density city or a different suburb can raise or lower your cost.

  • Overnight Parking: Where you leave the car when it is not in use matters. Parking in a locked garage or private driveway is generally seen as lower risk than leaving the car on a public street. Shifting from a garage to street parking can increase your premium.

  • Policy Adjustments: A change in location can alter your premium amount, your standard excess (the amount you pay out-of-pocket on a claim), or specific policy conditions.

What You Should Do

  • Notify Your Insurer Promptly: Contact your insurance provider (such as AA Insurance, AMI, Tower, or others) before or immediately after your move.

  • Provide Accurate Details: Clearly state your new residential address and where the vehicle is normally parked overnight (e.g., garage, carport, off-street, or street). Do not guess or misrepresent your parking setup, as inaccurate details can risk a claim being declined.

  • Get Written Confirmation: Request an updated policy schedule showing your new premium, excess, and coverage terms in writing.

  • Update Waka Kotahi: Remember that you are legally required to update your vehicle registration and driver's licence address with Waka Kotahi NZTA within 7 days of moving.

If you want, let me know:

  • Your current versus new parking setup (garage vs. street)
  • Your insurer name

I can help you look up their specific online update portal or policy rules.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I'm relocating cities for work. Will my address or parking situation affect car insurance?

Yes, your new address and parking situation will directly affect your car insurance premium and policy validity in New Zealand****.

Car insurance providers in New Zealand recalculate your premiums based on regional risk profiles and specific overnight storage. Failing to update your details can lead to denied claims or an invalidated policy if an incident occurs at your new location.

How Relocating Affects Your Policy

  • Location Risk Profiles: Insurers assess local statistics for your new area, including vehicle theft rates, vandalism, traffic accident frequency, and natural weather hazards (such as flood or storm risks). Moving from a low-density rural town to a major urban centre—or vice versa—will generally trigger a change in your cost.

  • Overnight Parking Arrangements: Where your car is parked overnight matters significantly. Storing a vehicle securely in a locked garage or private off-street driveway typically attracts lower risk than parking on a public street or main road where the chance of accidental damage or theft is higher.

  • Policy Terms and Excess: Changing your address may alter the standard excess amount applied to your policy or require adjustments to your level of comprehensive cover depending on the insurer's underwriting guidelines for that specific postcode or suburb. [Insurspy]

What You Need to Do

  1. Contact your insurer (such as AA Insurance, State Insurance, or Tower) before or immediately upon moving.
  2. Provide your new residential address, postal details, and the exact spot where the car will be parked overnight (e.g., locked garage, carport, or street parking).
  3. Review your updated quote to confirm if your premium increases or decreases based on the new location's risk assessment.

If you share your current parking situation and whether you are moving to a dense metro area or a quiet region , I can help you understand how your specific risk profile might shift.

Ask anything

Captured 11 October 2026