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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 prefer dealing with someone over the phone. Can an insurer explain whether I'd get a courtesy car if mine was being repaired?

Yes. In New Zealand, an insurer can explain whether your policy includes a courtesy car (or another transport option) while your vehicle is being repaired. The answer depends on your specific insurer, policy wording, claim circumstances, and sometimes whether the repairer is approved by the insurer. Consumer Protection

If you prefer speaking to someone by phone, you can call your insurer’s customer service or claims team and ask:

  • “Does my policy include a courtesy car if my vehicle is being repaired after an accepted claim?”
  • “Is there a limit on how long I can use it?”
  • “Do I need to use an approved repairer?”
  • “Is a courtesy car guaranteed, or only subject to availability?”
  • “If no courtesy car is available, is there another transport option?”

Some NZ insurers provide phone support and can discuss policy cover and claims. For example:

  • AA Insurance lists a car insurance contact number for enquiries and claims support. AA New Zealand
  • AMI Insurance provides a claims contact line and notes transport options such as courtesy cars may be available through some repair pathways. ami.co.nz

If you tell me the name of your insurer, I can help you find the right phone number and the questions most relevant to that policy.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I prefer dealing with someone over the phone. Can an insurer explain whether I'd get a courtesy car if mine was being repaired?

Yes, absolutely. Insurance customer service and claims teams in New Zealand regularly handle these inquiries over the phone.

When you call your insurer, they can look up your specific policy details and give you a definitive answer based on a few key factors:

  • Your Level of Cover: Comprehensive policies are the most likely to include a courtesy car or alternative transport benefit (sometimes as a standard inclusion or an optional add-on), whereas basic third-party policies usually do not.
  • Fault and Liability: If another driver is clearly at fault and their insurance is covering the claim, you may be entitled to a replacement vehicle through them or a dedicated accident management service, regardless of your own policy's add-ons.
  • Availability and Limits: Insurers can explain any limitations—such as whether a courtesy car is only available while your vehicle is physically at the repairer, if there is a daily financial cap, or if there is a maximum number of days it can be provided.

Tip for your call: Have your policy number and the details of any recent incident ready so the representative can check your entitlements right away.

Is there a specific insurance provider you are thinking of calling, or would you like help finding their claims line?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I prefer dealing with someone over the phone. Can an insurer explain whether I'd get a courtesy car if mine was being repaired?

AI Overview

Yes, an insurance representative can explain your courtesy car eligibility over the phone. New Zealand insurers maintain active telephone customer service teams to walk you through policy features and claims processes.

Whether you actually receive a courtesy car depends on who was at fault and the type of policy you hold:

1. If the accident was not your fault

If another driver caused the accident and you can identify them, you are typically entitled to a free accident replacement vehicle while yours is being repaired.

  • How it works: Under New Zealand law, the cost of the replacement vehicle is recovered directly from the at-fault driver’s insurance company.

  • Your policy: You do not even need to have a courtesy car benefit chosen on your own insurance policy to qualify for this.

2. If the accident was your fault (or a solo accident)

If you caused the accident, or if your car requires repairs due to a single-vehicle incident (like hitting a post), you will only get a courtesy car if you have specific coverage.

  • Comprehensive Policy with Add-ons: Base comprehensive policies from major NZ insurers (such as AMI, State, or AA Insurance) usually require you to purchase a "Rental Car" or "Hire Car" optional add-on to get a vehicle.

  • Policy Limits: These add-ons generally cover the cost of a small hatchback for a limited period, typically between 14 to 21 days while repairs are underway at an approved shop.

  • Third-Party Policies: If you only have Third Party Only or Third Party, Fire & Theft insurance, your insurer will almost never provide a courtesy car for at-fault repairs.

Major NZ Insurer Phone Numbers

If you want to call and speak directly to a representative about a potential or existing policy, you can reach the main providers here:

  • AMI Insurance: 0800 100 200 (Claims) or 0800 500 425 (General)

  • State Insurance: 0800 10 11 12

  • AA Insurance: 0800 500 444

  • Cove Insurance: 0800 268 347 Contact AMI Insurance | Expert Advice & Tailored SolutionsState Roadside Rescue | State Insurance NZContact the AARoadside Assistance | NZ Wide 24/7 - Cove Insurance NZ

If you'd like to narrow this down, please let me know who your current insurance provider is or whether the accident has already occurred , and I can provide more exact advice or contact paths.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I prefer dealing with someone over the phone. Can an insurer explain whether I'd get a courtesy car if mine was being repaired?

Yes, an insurer's phone team can certainly explain whether you qualify for a courtesy car. When you call them, they can walk you through your specific policy details, as coverage depends heavily on the terms of your agreement.

  • Phone consultation : You can call your insurer's customer service or claims line directly to discuss what is included in your policy. Major New Zealand insurers (such as AMI Insurance) have dedicated phone support for these enquiries.

  • Policy terms check : The phone representative can look up your specific policy to clarify whether a courtesy car or rental vehicle is included as an automatic benefit, an optional add-on you selected, or only applicable under certain circumstances (such as when using an approved repairer). [Consumer Protection NZ]

  • Conditions and limitations : The insurer will explain any restrictions that apply over the phone, such as whether it depends on who was at fault for the accident, age restrictions for drivers, fuel requirements, or time limits on the vehicle hire. [CAB.org.nz]

If you'd like, let me know:

  • The name of your insurer (if you have one in mind)
  • Whether the accident or damage was your fault

I can help find their direct phone number or give you a better idea of what questions to ask them.

Ask anything

Captured 11 October 2026