Search studies, brands and more…⌘ KExplore research

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've just insured my first car and my friend sometimes borrows it. Would they be covered if they had an accident?

In New Zealand, your friend may be covered if they borrow your car and have an accident, but it depends on the terms of your specific policy. It is not automatically the same for every insurer. Consumer Protection

Things that usually matter:

  • Whether you gave them permission to drive it. Many policies cover someone else driving your car with your permission, provided they meet the policy conditions. AMI Site
  • Whether your policy has driver restrictions. Some policies require only named drivers, or apply different rules for younger drivers. If your friend is not an allowed driver under your policy, a claim could be declined or an extra excess could apply. Aon NZ
  • Your friend’s age and licence status. Drivers under 25 or inexperienced drivers often have extra conditions or higher excesses. ICNZ | Insurance Council of New Zealand
  • Whether they are just an occasional borrower or a regular driver. If your friend starts using the car regularly, you should tell your insurer because they may need to be added to the policy. ICNZ | Insurance Council of New Zealand

A good next step is to check your policy schedule for wording like:

  • “named drivers only”
  • “open driver”
  • “drivers under 25”
  • “unnamed driver excess”

If you tell me which insurer you’re with and whether your friend is under or over 25, I can help you interpret the likely rules.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I've just insured my first car and my friend sometimes borrows it. Would they be covered if they had an accident?

In New Zealand, car insurance generally follows the vehicle rather than the driver. Whether your friend would be covered depends entirely on the terms of your specific policy.

Here is what you need to check to make sure your friend is covered:

1. Check Your Driver Policy Type

  • Open Driver Policies: Many NZ insurers (such as AA Insurance) use an "open driver" model by default. This means anyone with your explicit permission who holds a valid New Zealand driver's licence (or international equivalent) is allowed to drive your car and is covered, provided they comply with your policy terms.
  • Named Driver Policies: To lower premiums, some policies or insurers require you to explicitly list every person permitted to drive. If your policy is restricted to "Named Drivers Only" and your friend is not on that list, they will not be covered, effectively making the car uninsured during that trip.

2. Watch Out for Additional Excesses

Even if your policy covers occasional drivers, an accident involving a friend can trigger extra costs:

  • Standard Excess: You (as the policyholder) will still have to pay the standard excess if they have an at-fault accident.
  • Age or Experience Excesses: If your friend is under 25, or is 25+ but has held their licence for less than two years, insurers typically apply heavy unlisted driver or inexperienced driver excesses (which can add hundreds of dollars on top of your standard excess).

3. Impact on Your No-Claims Bonus

If your friend crashes your car and a claim is filed, the insurance claim goes against your policy history. This can cause your No-Claims Bonus/Discount to drop and result in higher premiums for you at your next renewal, even though you weren't behind the wheel.

What should you do next?

  1. Check your policy certificate/schedule online or call your insurer to confirm whether you have an "Open Driver" policy or if specific drivers are restricted.
  2. Review the excess table on your policy document so you know what extra costs apply if an inexperienced or younger driver uses the car.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I've just insured my first car and my friend sometimes borrows it. Would they be covered if they had an accident?

AI Overview

Yes, your friend will generally be covered, but it depends entirely on their age, their licence status, and your specific insurance policy terms.

In New Zealand, car insurance typically follows the vehicle rather than the driver. However, because this is your first car and policies vary significantly between providers, you need to check your policy for the following conditions:

1. Check for an "Open Driver" vs. "Named Driver" Policy

  • Open Driver Policy: Most standard policies automatically cover any driver who borrows your car with your permission, provided they hold a valid licence and stick to its conditions.

  • Named Driver / Restricted Warranty: Some policies (especially budget policies or those tailored for younger drivers) require every single driver to be explicitly named on the policy schedule. If your policy has this restriction and your friend isn't listed, a claim will likely be declined.

2. The Under-25 Rule

If your friend is under 25 years old , standard open policies often exclude them entirely unless you have specifically added "Under 25 Driver" coverage to your policy. If they are allowed to drive, be prepared for a significantly higher "unlisted driver" or "inexperienced driver" excess (the out-of-pocket fee you pay when making a claim) if they cause an accident.

3. Licence Conditions must be Followed

For the insurance to remain valid, your friend must hold a valid New Zealand or eligible overseas licence and strictly follow its conditions. For example, if they have a Restricted Licence and drive after 10 PM or carry passengers without a supervisor, your insurer can legally decline the claim.

What about personal injuries?

If your friend has an accident, any personal injuries to them, their passengers, or others involved are covered nationally by the Accident Compensation Corporation (ACC) , New Zealand’s no-fault personal injury scheme. Your car insurance only handles the physical damage to the vehicles and property.

To be completely sure, I highly recommend checking your policy schedule or giving your insurer a quick call to ask:

  • "Does my policy allow unlisted drivers?"

  • "Are there age restrictions or extra excesses if my friend borrows the car?"

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I've just insured my first car and my friend sometimes borrows it. Would they be covered if they had an accident?

Whether your friend is covered if they have an accident depends entirely on the type of driver policy you selected and your specific insurance provider in New Zealand.

Here is how coverage typically works when someone else borrows your car:

  • Open Driver Policies: Many New Zealand insurers (such as AA Insurance) use an open driver structure. This means occasional borrowers are covered as long as they have your explicit permission, hold a valid New Zealand (or legally approved international) driver's licence for that vehicle class, and comply with all policy conditions.

  • Named Driver / Restricted Policies: Some policies or budget-tier options require you to specifically list or name the drivers allowed to operate the vehicle. If your policy is restricted and your friend is not listed, you may have no cover or face a heavy penalty.

  • Age Restrictions and Extra Excess: Watch out for age clauses. Many New Zealand insurers automatically exclude drivers under 25, or charge a substantial additional unlisted driver excess or young driver excess if an unlisted or younger person crashes your car.

  • Licence and Sobriety Conditions: Your friend must be legally allowed to drive. If they are driving on an expired licence, under the influence of alcohol or drugs, or breaching any conditions of their licence (like a learner or restricted licence rules), the insurance claim will likely be declined.

To help me check what likely applies to you, could you tell me:

  • Who your insurance provider is (e.g., AA Insurance, AMI, State, Vero, Tower)?
  • What your policy schedule says about "Drivers" or "Open/Named" status?
  • How old your friend is?
Ask anything

Captured 11 October 2026