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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

Which NZ car insurers let me get a quote, buy, update drivers and lodge claims online?

In New Zealand, the strongest options to investigate are Tower, State, and AMI if you want to handle the entire car-insurance process online: get a quote, purchase cover, manage drivers, and lodge claims without needing to phone for routine tasks.

The important distinction is that some insurers let you do all four through one online account, while others require a phone call for certain policy changes.

Best matches for fully online car insurance

1. Tower Insurance

All four tasks supported

  • Quote and buy: Online car insurance quote and purchase.
  • Drivers: Add or remove named drivers in My Tower.
  • Claims: Lodge vehicle claims online and track their progress.

Its My Tower portal also lets you adjust your excess and agreed value. Car Insurance NZ - Quick Quote & Buy OnlineMy Tower - Keep a Track of Your PoliciesSubmit your Claim Online

Get a Tower car insurance quote

2. State Insurance

All four tasks supported

  • Quote and buy: Available online and in the State app.
  • Drivers: Add a driver through My State.
  • Claims: Lodge and track claims online or in the app.

State explicitly lists all four capabilities in its online self-service information. What Can I Do Online?State Insurance NZ | Car, House, Contents, Travel Insurance & More

Get a State car insurance quote

3. AMI Insurance

All four tasks supported

  • Quote and buy: Online through My AMI or the app.
  • Drivers: Add a driver through the online account.
  • Claims: Lodge and manage car claims, including tracking claim status.

My AMI also supports policy updates, payments and document access. Manage Your Insurance OnlineAMI Insurance

Manage insurance and get started with AMI

Another option: Initio

Initio

Initio is worth considering if you prefer a digital-first insurer. You can get quotes, buy policies, lodge claims and make many policy changes through its dashboard.

Driver-related caveat: Initio says you generally don't need to nominate additional drivers, unless changing the under-25 driver option. Changing the main driver requires a new policy. So it isn't as direct a match if you specifically want to add and remove named drivers yourself. Easily manage your initio account through your client dashboardHow do I make changes to my vehicle cover?

Get an Initio quote

Quick comparison

Insurer Quote online Buy online Update drivers online Lodge claims online
Tower Yes Yes Add/remove Yes
State Yes Yes Add driver Yes
AMI Yes Yes Add driver Yes
Initio Yes Yes Limited/different process Yes

My recommendation

Start with Tower, State and AMI. They explicitly document online quoting, purchasing, driver management and claims, making them the clearest matches for your requirements.

Compare quotes using the same vehicle value, excess, cover type and driver details. Also check whether each insurer lets you remove a driver online, as well as add one.

One final point: online claims lodgement doesn't necessarily mean every claim can be resolved without further contact.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Which NZ car insurers let me get a quote, buy, update drivers and lodge claims online?

Several major car insurance providers in New Zealand fully support end-to-end digital self-service—allowing you to get a quote, buy a policy, update details (such as drivers or vehicle information), and lodge and track claims entirely online through a web portal or mobile app.

Key insurers that meet all of these criteria include:

1. Tower Insurance

  • Quote & Buy: Fully online via their website.
  • Manage Drivers & Policy: Handled through the My Tower online portal or app, where you can update policy details, change drivers, and adjust covers.
  • Claims: You can lodge, track, and manage car claims digitally through My Tower.

2. State Insurance

  • Quote & Buy: Quotes and policy purchases are available directly online.
  • Manage Drivers & Policy: Managed via the My State online account or the State mobile app.
  • Claims: Claims can be submitted, tracked, and managed completely online, with many straightforward claims eligible for automated instant approval.

3. AMI Insurance

  • Quote & Buy: Quotes and buy flows are entirely online.
  • Manage Drivers & Policy: Managed digitally through the My AMI portal or app.
  • Claims: Online claims submission, document uploading, repair booking, and progress tracking are fully supported via My AMI.

4. Cove Insurance

  • Quote & Buy: Built as a digital-first Kiwi insurer, quotes take minutes and policies are bought entirely online.
  • Manage Drivers & Policy: Managed 24/7 through the My Cove customer portal.
  • Claims: Claims and support (via online tools/live chat) are handled digitally.

(Note: Traditional composite banks or older legacy insurers in NZ sometimes let you buy online, but may require phone calls or form submissions to update specific driver details or process certain claim types. The providers listed above are built for full digital self-service across the entire lifecycle of the policy.)

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Which NZ car insurers let me get a quote, buy, update drivers and lodge claims online?

AI Overview

Several leading New Zealand car insurance companies allow you to complete all four of these tasks—getting a quote, buying cover, updating drivers, and lodging claims —entirely online through their web portals or mobile apps.

The primary insurers offering this full suite of digital self-service tools include:

1. AMI Insurance

Through the My AMI portal and the AMI mobile app, you can completely self-manage your personal vehicle policies:

  • Quote & Buy: Generate a quick quote online and immediately activate your policy.

  • Update Drivers: Add a driver to your policy directly via the online dashboard.

  • Lodge Claims: Start a draft, upload supporting documents, submit a claim, and track its progress 24/7.

  • Learn more or register via AMI Insurance. AMI Insurance

2. State Insurance

State provides mirror functionality across the My State online account and their mobile app:

  • Quote & Buy: Enter details online to get a quote in minutes and purchase cover.

  • Update Drivers: Add or modify listed drivers on eligible car policies seamlessly through the web portal.

  • Lodge Claims: Submit new motor vehicle claims and track them through the app or website.

  • Learn more or register via State Insurance. State Insurance NZ | Car, House, Contents, Travel Insurance & More

3. AA Insurance

Managing your cover is streamlined through a My AA Insurance online account:

  • Quote & Buy: Get comprehensive or third-party quotes and purchase online.

  • Update Drivers: Add listed drivers to your car policy through your online dashboard.

  • Lodge Claims: Report accidents and lodge your vehicle claims online with 24/7 digital tracking.

  • Learn more or register via AA Insurance. Car Insurance – Get a Quote and Buy Online | AA InsuranceMy AA Insurance is your anywhere, anytime online accountMy AA Insurance

Other Notable Digital Insurers in NZ

  • Cove Insurance: Built as a digital-first provider, Cove Insurance allows you to complete quotes, buy immediately, and fully manage your policies online through the "My Cove" portal.

  • Tower Insurance: Known for a robust digital platform, Tower Insurance lets you quote, purchase, modify policy details, and lodge claims dynamically via your online portal.

Would you like to compare these insurers by average pricing for your specific age bracket, or see which ones offer multi-policy discounts if you bundle your home or contents insurance?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

Which NZ car insurers let me get a quote, buy, update drivers and lodge claims online?

Several major car insurance providers in New Zealand offer fully digital self-service platforms (via web portals or mobile apps) that allow you to handle your entire policy lifecycle—from quoting and buying to updating details and lodging claims online.

Top NZ car insurers providing these complete online end-to-end capabilities include:

  • AMI Insurance — Through the My AMI online portal or mobile app, you can get quotes, buy policies, view and update your personal details or policies, and make/track claims digitally.

  • State Insurance — Via My State or the State app, you can pull a quote, purchase comprehensive or third-party cover, update policy details (including adding drivers), and lodge or track claims with photos.

  • Tower Insurance — Tower operates heavily as a digital-first insurer, enabling you to quote, buy, manage your policy details, and make claims entirely online through their online customer hub.

(Note: While other prominent insurers likeAA Insurance allow you to get quotes and buy online, certain policy changes or updates may still require speaking with their customer service teams depending on the complexity of the adjustment.)

If you'd like, I can help you:

  • Compare the specific coverage limits or excess options of these insurers
  • Look at the optional add-ons (like rental car cover or glass protection) they provide online

Let me know how you would like to proceed with your choice.

Ask anything

Captured 11 October 2026