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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'm buying my first car policy today. How should I pick among three quotes?

When choosing your first car insurance policy in New Zealand, don’t automatically pick the cheapest quote. Compare what you are actually getting for the premium, because a cheaper policy can leave you carrying much more risk. Consumer Protection

Use this checklist to compare your three quotes:

Check What to look for
Type of cover Is it comprehensive, third party fire & theft, or third party only? Comprehensive covers damage to your own car as well as damage you cause to others; third party cover generally won’t pay to repair your own car. Consumer Protection
Excess How much would you have to pay if you claim? A lower premium often comes with a higher excess. Make sure you could comfortably afford it after an accident. Consumer Protection
Car value payout Is the car insured for agreed value or market value? Agreed value gives more certainty about the payout if the car is written off, while market value is based on what the car is worth at the time. Consumer Protection
Driver restrictions Check who is covered: only named drivers, drivers over a certain age, or anyone with permission. Adding an unlisted or young driver can affect cover and excess. Canstar
Important extras Look at things like windscreen cover, towing, hire car after an accident, roadside assistance, and whether you can choose your repairer. Canstar
Exclusions Read what is not covered: theft conditions, modifications, business use, driving overseas, natural events, and other limits. Canstar

A simple way to decide:

  • If one quote is only $50–$100/year cheaper but has a much higher excess or weaker cover: the cheaper one may not be better.
  • If the quotes are similar in cover: choose the insurer with the lower excess, clearer wording, and better service reputation.
  • If your car is older and inexpensive: third party or third party fire & theft may make sense because replacing the car yourself might be manageable. Consumer NZ
  • If losing the car would create a major financial problem: comprehensive cover is usually worth considering. Consumer Protection

Before you buy today, put your three quotes side-by-side and write down:

  1. Annual premium: $___
  2. Excess: $___
  3. Cover type: ___
  4. Car payout basis: agreed value / market value
  5. Key extras included: ___
  6. Major exclusions: ___

If you paste the three quotes (insurer, price, excess, cover type, and car value), I can help you compare them.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I'm buying my first car policy today. How should I pick among three quotes?

Evaluating car insurance quotes involves looking beyond the headline price tag to ensure you are properly protected on New Zealand roads. When comparing three quotes, use a structured evaluation approach rather than simply picking the cheapest option.

1. Compare Policy Types (The Cover Level)

Ensure all three quotes are offering the same tier of cover. In New Zealand, policies generally fall into three categories:

  • Comprehensive: Covers damage to your own car (accidents, fire, theft) and damage you cause to other people's vehicles or property. (Essential if your car is financed or of significant value).
  • Third Party, Fire and Theft: Covers damage you cause to others, plus if your car catches fire or is stolen, but not accidental damage to your own vehicle.
  • Third Party Only: The bare minimum. Covers damage you cause to other people's vehicles or property only.

Rule of thumb: Make sure you are comparing apples with apples—don't compare a Comprehensive quote with a Third Party quote.

2. Check Key Financial Terms

Look closely at the fine print for the following variables across all three quotes:

  • Excess (Deductible): The amount you pay out-of-pocket when making a claim. A higher excess usually lowers your monthly or annual premium, but make sure it’s an amount you can comfortably afford in an emergency. Look out for additional excesses for young or inexperienced drivers.
  • Agreed Value vs. Market Value:
    • Market value means the insurer pays what the car was worth right before the accident (which can drop quickly).
    • Agreed value is a locked-in amount fixed for the policy year, giving you certainty if the car is written off.
  • Optional Add-ons: Check if extras like roadside assistance, a rental car following an accident, or windscreen cover are included or cost extra.

3. Review Insurer Reputation and Claims Service

A cheap policy isn't worth much if the claims process is painful. Consider:

  • Excess-free benefits: Does the policy include windscreen repair or towing without affecting your excess?
  • Repairer choice: Does the insurer force you to use their approved repair network, or can you choose your own mechanic?

Structured Comparison Table

Feature / Factor Quote A (Budget) Quote B (Mid-Tier) Quote C (Comprehensive Plus)
Cover Type Comprehensive Comprehensive Comprehensive
Excess Amount Higher ($500+) Standard ($400) Lower ($250 or $0)
Car Valuation Market Value Agreed Value Agreed Value + 10% buffer
Extras Included None Roadside Assistance Rental car + Windscreen cover
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I'm buying my first car policy today. How should I pick among three quotes?

AI Overview

To pick the best car insurance policy from your three quotes today, compare the total out-of-pocket risk rather than just picking the lowest premium. In New Zealand, a cheaper monthly or annual price often means you are sacrificing crucial coverages or taking on a massive excess.

Since this is your first policy, use this highly scannable four-step checklist to evaluate your three quotes side-by-side.

1. Verify the Excess Structure

The excess is the amount you must pay out of your own pocket before the insurance company pays for a claim.

  • Standard Excess: Look at what each quote requires as a baseline payment.

  • Imposed Drivers / Under-25 Excess: If you are under 25, or a driver on a restricted/learner license, NZ insurers (like AA Insurance, AMI, or State) will often slap on an additional young driver or inexperienced driver excess.

  • The Math: If Quote A is $50/month with a $1,000 total excess, and Quote B is $60/month with a $400 total excess, Quote B is often the safer choice for a first-time driver.

2. Check the Cover Type and Vehicle Value

Ensure all three quotes are evaluating your vehicle using the exact same framework:

  • Agreed Value vs. Market Value: Agreed Value locks in a set payout amount if your car is written off, which is highly recommended for peace of mind. Market Value only pays what the car was worth right before the accident, which fluctuates and is usually lower.

  • Policy Tier: Make sure you aren't comparing a Comprehensive quote to a Third Party, Fire & Theft or Third Party Only quote. Third Party only covers damage you cause to other people's cars—it won't pay a cent to fix yours.

3. Look for "Must-Have" NZ Policy Extras

Review the policy wording or Product Disclosure Statement (PDS) for these specific benefits:

  • Excess-Free Glass Cover: Windscreens break frequently on gravel roads in New Zealand. Check if the quotes include excess-free window/glass repairs. If one quote includes this and another doesn't, it can save you hundreds of dollars later.

  • Roadside Assistance: First cars are more prone to dead batteries or minor mechanical issues. See if AA Roadservice or an equivalent breakdown service is bundled into the premium.

4. Watch Out for Common Traps

  • No-Fault Excess: In New Zealand, if someone crashes into you, you usually still have to pay your excess upfront unless you can immediately provide the other driver's name, phone number, registration, and admission of fault. Choose the insurer that makes waiving the excess easiest when you are not at fault.

  • Modification Exclusions: If your car has aftermarket wheels, stereos, or exhaust modifications, ensure they are explicitly listed. Standard quotes assume a completely factory-stock car; unlisted modifications can completely void a claim.

To help you narrow down the final winner, let me know:

  • What type of cover are the three quotes (Comprehensive or Third Party)?

  • What are the premiums and total excesses listed on each quote?

  • Are you under 25 years old or driving on a Learner/Restricted license?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I'm buying my first car policy today. How should I pick among three quotes?

Buying your first car insurance policy is a big milestone! When staring down three different quotes, it's easy to just look at the bottom line and pick the cheapest one. But with car insurance, the cheapest upfront price can sometimes cost you a lot more down the track if you need to make a claim.

Here is a clear, step-by-step way to compare your three quotes side-by-side so you can pick the right one:

  1. Compare apples with apples (Check the excess)
  • Excess amount: Look at the standard voluntary and involuntary excess (the amount you pay out-of-pocket when you claim). A cheaper quote might have a much higher excess X that makes minor claims not worth lodging.
  • Age/Driver excess: Check if there are extra penalties for drivers under 25 or learners, which matters if anyone else might occasionally drive your car.
  1. Scrutinize the level of cover
  • Third Party vs. Comprehensive: Ensure all three quotes are for the same type of cover (ideally Comprehensive for a first car, which covers damage to your own car as well as others).
  • Agreed Value vs. Market Value: Check how your car's payout is calculated if it's written off. Agreed value locks in a set payout amount, whereas market value means they payout what it's worth at the time of the accident (which can fluctuate).
  1. Look at the bonus inclusions and perks
  • Windscreen cover: Some policies include zero-excess windscreen glass replacement or repair.
  • Roadside assistance: Check if 24/7 roadside breakdown help is bundled in or costs an extra fee.
  • Rental car after an accident: See if a temporary replacement vehicle is provided while your car is being repaired.
  1. Review the insurer’s reputation and customer service
  • Claims process: Look up independent reviews or consumer feedback on how smoothly each provider handles actual claims, not just how easy they are to buy from.
  • No Claims Bonus (NCB): See how they protect or reward your discount if you go a year without an accident.
  1. Weigh total cost vs. value
  • Calculate the true annual cost by factoring the premium against the excess you'd have to pay in a worst-case scenario. Sometimes paying an extra $20 to $50 a year lowers your excess or adds crucial perks like a rental car.

If you want, share a bit more detail:

  • Are the quotes Comprehensive or Third Party?
  • Do they have vastly different excess amounts or car values?

I can help you calculate which trade-off makes the most financial sense.

Ask anything

Captured 11 October 2026