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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 live in Tasman and need car insurance. Which companies are worth comparing?

If you live in Tasman, New Zealand, I’d compare at least four or five car insurers rather than choosing purely on price. The right choice depends on your car, where you keep it overnight, your driving history and whether you want comprehensive or third-party cover.

Car insurers worth comparing

These are good starting points for a New Zealand-wide comparison, without assuming you live in any particular town in Tasman.

AA Insurance

A useful first quote for comprehensive, third-party fire and theft, or third-party cover. Worth checking if you're an AA member, as membership discounts may apply to eligible policies.

Website: AA Insurance

AMI

A mainstream option to compare for comprehensive and lower-cost cover. Check the excess, replacement-car benefits and how a claim would be handled.

Website: AMI Insurance

State Insurance

Worth pricing alongside AMI and AA. Comparing State and AMI can help you see whether their different quotes and policy terms suit your circumstances.

Website: State Insurance

Tower Insurance

Another useful independent quote to add to the comparison. Review the excess options and whether the policy pays market value or an agreed value for your vehicle.

Website: Tower Insurance

Cove Insurance

A good option to include if you prefer getting a quote and managing your policy online. Check which cover levels are available for your particular vehicle.

Website: Cove Insurance

FMG

Particularly worth considering if you live or work rurally, or have other rural insurance needs. Ask whether its policy suits your vehicle use and location.

Website: FMG

These are a shortlist to request quotes from, not a ranking of the cheapest or best claims service. Consumer NZ recommends getting at least three quotes and checking policy wording carefully. Car insurance buying guideCar insurance buying guide

What to compare for a car in Tasman

  • Flood, storm and natural-hazard damage: Check exactly what is covered and what exclusions apply.
  • Agreed value versus market value: Agreed value sets the insured amount in advance; market value is based on what the car is worth when the loss occurs.
  • Excess: Compare both the standard excess and any additional excess for young or inexperienced drivers.
  • Windscreen, towing and a replacement car: These can make a meaningful difference when you need to claim.
  • Where you park and how you use the car: Give each insurer accurate details about overnight parking, commuting, gravel-road driving and any business use.

The New Zealand government's car insurance guide explains the main cover types and how they work. Car insuranceCar insurance buying guide

I can narrow this down for you

If you tell me a little about your car, I can suggest which insurers are most worth getting quotes from first.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Tasman and need car insurance. Which companies are worth comparing?

When looking for car insurance in the Tasman region, you have access to New Zealand's nationwide providers, which operate across the country without geographic restrictions. Comparing established brands alongside newer online options is the best way to secure competitive pricing and coverage tailored to your vehicle.

Top car insurance companies worth comparing include:

  • AA Insurance – Frequently recognized for customer satisfaction and reliable claims support, offering strong comprehensive policies with options like agreed value.
  • AMI Insurance – A major nationwide provider that includes value-adds like roadside rescue options with comprehensive cover and local repair networks.
  • Tower Insurance – Known for straightforward digital policy management, flexible excess choices, and regular promotional online signup deals.
  • State Insurance – Highly rated for its comprehensive benefits, efficient claims handling, and flexible policy options.
  • Cove Insurance – A popular app- and web-first Kiwi insurer designed for quick digital quotes, transparent policy wordings, and flexible monthly payment setups.

Key Factors to Compare

  • Comprehensive vs. Third Party: Ensure you are comparing equivalent levels of cover (Comprehensive covers your own car plus damage to others; Third Party covers only damage you cause to other people's property).
  • Agreed Value vs. Market Value: Check whether the insurer will pay out an agreed-upon fixed amount if your car is written off, or just the current market value at the time of the claim.
  • Excess Amounts: Adjust your voluntary excess to see how it alters your annual or monthly premium.

If you like, I can guide you through checking specific vehicle details or help you narrow down policies based on your car's make and model. Do you want me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Tasman and need car insurance. Which companies are worth comparing?

AI Overview

The major car insurance companies worth comparing for drivers in the Tasman region include AA Insurance, Tower, Cove, AMI, and State. Because insurance rates vary drastically depending on your specific location, vehicle, and age, comparing multiple quotes will give you the best price.

Insurer Known For & Key Features Standout Benefits
AA Insurance Top customer satisfaction and reliability. Lifetime repair guarantee, below-market average premiums.
Tower Insurance Highly comprehensive policies and strong digital platform. 2-year new-for-old car replacement, excess-free key replacement.
Cove Insurance Digital-first, online provider frequently rated the cheapest. Instant online setup, monthly payment flexibility, 1 month free promotions.
AMI Insurance Large nationwide presence with excellent roadside care. Free breakdown/roadside rescue and flexible excess choices.
State Insurance Low standard excess options and high claims auto-approval. Flat $300 standard excess for all ages and careless driving defense.

Regional Tips for the Tasman District

  • Avoid Bank Cover: New Zealand consumer reviews consistently rank major banks (like ASB, ANZ, and Westpac) lower for value and satisfaction compared to direct insurers.

  • Agreed Value vs. Market Value: Given the rural and winding roads around Tasman, look for Agreed Value options if you want a guaranteed payout figure in case of a write-off, rather than Market Value , which can fluctuate heavily based on depreciation.

  • No-Claims & Excess: You can significantly drop your premium rates by choosing a higher excess or verifying that you qualify for a no-claims bonus.

To narrow down the best policy, could you tell me:

  • What make and model of car are you insuring?

  • Is the driver under 25 or over 25?

  • Do you prefer managing everything online or speaking with an agent over the phone?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Tasman and need car insurance. Which companies are worth comparing?

When shopping for car insurance in New Zealand , looking at a mix of major traditional insurers and digital-first options will give you a good spread of pricing and benefits. Because premiums vary significantly based on your specific vehicle, age, driving history, and chosen excess, comparing multiple quotes is essential.

Top car insurance companies worth comparing in New Zealand include:

  • AA Insurance: Consistently high customer satisfaction ratings and service recognition, offering solid comprehensive policies with benefits like lifetime repair guarantees. [MoneyHub NZ]

  • Tower Insurance: Known for flexible, highly comprehensive coverage options and practical perks (such as excess-free key replacement on certain policies). They also regularly run online signup promotions.

  • AMI Insurance: A well-established nationwide provider with flexible policy tiers and straightforward local claims support.

  • State Insurance: Another major traditional brand offering wide coverage options, often comparable to AMI (both are under the IAG umbrella).

  • Cove Insurance: A modern, app- and digital-first insurer that frequently prices competitively for lower-risk drivers and offers flexible monthly or annual structures (though they may exclude younger drivers under 21 on certain plans). [MoneyHub NZ]

  • Trade Me Insurance: Backed by major underwriters, providing a streamlined online-focused quoting process geared towards everyday private vehicle owners.

To get the most accurate picture, you can also use comparison tools like Quashed or check independent overviews on guides like MoneyHub and Canstar.

If you share your vehicle make and model , roughly how long you've been driving , and the level of cover you prefer (Comprehensive vs. Third Party), I can give you more tailored advice on what benefits or savings to watch out for.

Ask anything

Captured 11 October 2026