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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

Can I still get car cover if the car is garaged at a shared flat but registered elsewhere?

Yes — in New Zealand you can usually still get car insurance even if the car is garaged at a shared flat but the vehicle is registered at a different address. The key issue for insurers is generally where the car is normally kept, not simply the address linked to the vehicle registration. Insurspy

When you apply for cover, you should tell the insurer:

  • The actual address where the car is usually parked overnight (the shared flat address).
  • That it is a shared flat and whether it is a garage, driveway, carport, or on-street parking.
  • Who normally drives the car.
  • Your registration/vehicle details and your mailing address if different. Consumer Protection

A few things to be aware of:

  • The garaging address can affect your premium because insurers use it to assess risk. Insurspy
  • If you move the car to the flat and don’t update your insurer, a claim could become complicated if the insurer believes the risk information was inaccurate or not disclosed. Consumer Protection
  • Your NZTA registration address can also be updated separately if needed; it does not have to be the same thing as the insurer’s garaging address. NZ Transport Agency

So, for example: if the car is registered to your parents’ address (or your old address) but you now live in a flat and the car stays there most nights, you would normally quote the flat’s address as the garaging address and explain the situation to the insurer.

If you tell me whether the car is registered in your name or someone else’s name and whether you are the main driver, I can explain what insurers usually look for in that situation.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Can I still get car cover if the car is garaged at a shared flat but registered elsewhere?

Yes, you can still get car cover, but where the car is normally kept (garaged overnight) is what matters most to insurance companies.

1. Insurance vs. Vehicle Registration

Car insurance and Waka Kotahi NZ Transport Agency vehicle registration are separate systems:

  • Insurers base your policy, risk assessment, and pricing on where the car is ordinarily parked and garaged overnight (e.g., your shared flat).
  • NZTA registration/Warrant of Fitness (WoF) records mailing or residential addresses, which frequently differ from where a vehicle is physically kept (such as students or flatmates keeping a car at a flat while using a parent's address or an older home address as their primary legal or mailing contact).

2. What You Must Tell the Insurer

When getting a quote or setting up a policy, you must provide the actual address where the car is normally garaged/parked overnight.

  • Do not list the address where the car is registered if it is not actually kept there.
  • Insurers calculate risk (such as local theft rates, street parking vs. off-street/locked garage access, and security) based on the physical overnight location.

3. Risks of a Mismatch

  • Declined or Reduced Claims: If you state that the car is garaged at address A (to get a cheaper premium) but it is actually kept permanently at address B (your shared flat), the insurer may view this as misrepresentation. In the event of a claim, they have the right to decline it or reduce payout amounts if they find the risk profile was misrepresented.
  • Shared Flat Specifics: If you live in a shared flat, you should also declare who the regular or primary drivers are, as insurers will factor in all potential drivers living at that address.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Can I still get car cover if the car is garaged at a shared flat but registered elsewhere?

AI Overview

Yes, you can absolutely still get car insurance cover if your vehicle is garaged at a shared flat but registered to a different address.

However, you must separate your registration address (the address on file with the NZ Transport Agency Waka Kotahi) from your garaging address (the address you give to your insurance company where the car actually "sleeps" at night).

⚠️ The Golden Rule: Tell Your Insurer the Truth

When applying for cover with NZ providers like Tower, AA Insurance, or State, they will ask where the vehicle is normally kept.

  • Give the shared flat address: You must provide the physical location of the flat as the "garaging address". Insurers calculate risk based on where the car is parked most of the time—taking into account local crime rates, street vs. off-street parking, and regional traffic risks.

  • Avoid "Garaging Misrepresentation": If you claim the car is parked at a parent's house or a rural family home to secure a cheaper premium, but it actually lives at a high-density student flat, your insurer can legally deny your claim or cancel your policy for non-disclosure.

🚗 Flatting Checklist for Car Cover

If you are flatting, there are a couple of other crucial details you need to manage:

  • List your flatmates (if they drive it): If anyone else in your flat borrows your car, even occasionally, make sure they are noted on your policy. For drivers under 25, unexpected flatmate use can trigger significantly higher excesses if they have an accident.

  • Update the NZTA Register: While it won't affect your insurance cover if they don't match, you are still legally required to update your residential address with the NZTA Address Service within 14 days of moving so you don't miss physical mail or registration reminders.

To make sure your policy is completely airtight, would you like help figuring out which type of cover (Comprehensive vs. Third Party) fits your flatting budget, or should we look into how under-25 driver excesses work in NZ?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

Can I still get car cover if the car is garaged at a shared flat but registered elsewhere?

Yes, you can still get car cover, but where the car is normally kept overnight matters significantly more to New Zealand insurers than the mailing or registration address on the vehicle's WOF/rego.

  • The Overnight Parking Address: Insurers base their risk assessment and premiums primarily on where the vehicle sleeps (the shared flat's garage). You must declare the shared flat address as the regular overnight location, rather than your previous or alternate address.

  • The Registration Disconnect: Having the car registered at a different address (such as a parent's house or an old address) is generally acceptable to insurance companies, but they expect your policy details to accurately reflect the vehicle's actual physical risk profile.

  • Risk of Non-Disclosure: If you insure the car under the assumption it is kept at the registered address but it is actually regularly garaged at the shared flat, it could complicate a claim or lead to denied coverage due to misrepresentation of risk. [Insurspy]

  • Access and Drivers: If other flatmates have access to the car or might drive it, insurers may also require you to list them as regular or additional drivers, depending on the policy terms.

If you'd like, let me know:

  • Who owns the car relative to who is insuring it
  • Whether your flatmates will drive the vehicle

I can give you more specific advice on how to declare this to an insurer.

Ask anything

Captured 11 October 2026