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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

My car was damaged at our old flat just before we moved. Which address matters when I tell the insurer about the claim?

In New Zealand, the address where your car was damaged is the most important address to give your insurer for the claim, even though you've since moved.

There are usually two different addresses to distinguish:

  • Address where the damage happened: Give the address of your old flat, where the car was parked when it was damaged. Include the date and circumstances of the incident.
  • Your current residential address: Tell the insurer your new address as well, so they can update your policy and contact details.

The fact that you moved just before making the claim doesn't necessarily affect whether you're covered. What matters can include the circumstances of the damage, the terms of your policy, and whether any relevant change of address or parking location needs to be disclosed.

One important point: if you had already moved your car's usual overnight parking location or changed your address before the damage happened, tell your insurer when that change occurred. New Zealand insurers may consider changes to your circumstances or where the car is normally kept relevant to your cover. InsuranceDuty of Disclosure: What to Tell Your InsurerCar Insurance

You could explain it like this:

My car was damaged at my previous address on [date], just before I moved to [new address]. The damage occurred while the car was at the old address. Please update my current contact address and let me know if you need any further information.

If you tell me which insurer you're with, I can help you check its specific requirements for reporting the damage after moving.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

My car was damaged at our old flat just before we moved. Which address matters when I tell the insurer about the claim?

When filing your insurance claim, the old flat’s address is the critical address for the incident itself, but you will need to handle your overall policy details carefully.

Here is how the two addresses matter for your claim:

  • The Incident Location (Old Flat): When filling out the claim form, you must state that the damage occurred at your old address. Insurers need the exact location where the damage happened to verify the timeline and circumstances of the event.
  • The Policy/Garaging Address: Because the damage happened just before you moved—meaning while the car was still officially parked under your old policy terms—the risk profile tied to that old address applies to the incident.

What you should do next:

  1. Report the accurate timeline: Clearly state the date and time the damage occurred, making it evident that it happened while you were still residing at (or in the process of moving from) the old flat.
  2. Update your address separately: If you have now completed your move, you still need to notify your insurer of your new permanent address and where the car will now be overnight, as this affects your ongoing policy. Keeping these timelines clear prevents any confusion about whether the incident falls under your old risk profile or your new one.

Are you currently going through the process of lodging the claim online, or is there another part of the move causing complications with the insurer?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

My car was damaged at our old flat just before we moved. Which address matters when I tell the insurer about the claim?

AI Overview

When you lodge a car insurance claim in New Zealand, both addresses matter, but they serve completely different purposes for your insurer.

Here is exactly how you need to handle each address to ensure your claim is processed smoothly and your policy remains valid:

1. The Incident Address (Where the damage happened)

  • What it is: This is your old flat's address.

  • Why it matters for the claim: When filling out the claim form, you must accurately state exactly where the vehicle was located when the damage occurred. Insurance companies assess risk and validate claims based on the specific location of the incident. Providing the old address for the event ensures your claim is factual and truthful.

2. The Risk/Garaging Address (Where the car lives now)

  • What it is: This is your new flat's address.

  • Why it matters for your policy: Insurers calculate your ongoing premiums based on where your car is parked overnight (the risk address). Because you have moved, you must update your permanent address on your policy.

⚠️ A Critical Warning on Timing

If you have not already done so, you need to notify your insurer of your change of address immediately. Most New Zealand insurance policies require you to disclose a change of address within a specific timeframe (often 14 days) or before your move. Failing to update your permanent address could complicate future claims or risk voiding your policy entirely, as a new suburb can change your premium rate.

How to proceed right now

When you contact your insurer (or log into your online portal):

  1. Update your policy address first: Tell them your permanent address has changed to the new flat as of your move date.

  2. Lodge the claim second: Specify that the damage occurred on [Date] while the car was parked at your previous address.

To help you get this sorted, would you like me to draft a message you can send to your insurer, or do you need help finding the contact details for your specific insurance provider?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

My car was damaged at our old flat just before we moved. Which address matters when I tell the insurer about the claim?

When talking to your insurer, both addresses matter , but they serve two completely different purposes in your claim:

  • The old flat's address (The Incident Location): This is where you tell the insurer the damage actually happened. When they ask "where did the incident/damage occur?", you must provide the old address and the specific details of how it happened there. Insurers need an accurate location of the event to verify the timeline and context of the claim.

  • Your new address (The Policy/Contact Address): This is where you currently live and where your policy details, correspondence, or updated risk profile should be registered. If you haven't updated your residential address on your policy yet, you need to let them know you've moved so they have your correct current contact details.

Note on premiums and risk: Insurers calculate your car insurance risk and premium partly based on where the car is normally parked overnight. Because the damage happened while you were still at the old address (and presumably parked there), the risk profile of the old address applies to the actual incident. However, you should still update your address with them moving forward if you haven't already. [State Insurance NZ]

If you want, tell me:

  • Have you already updated your address on your insurance policy, or are you doing both at the same time?
  • How long ago did the damage happen compared to when you moved?

I can help you make sure you have all the right details ready for your insurer.

Ask anything

Captured 11 October 2026