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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 is often parked in an area that floods. Which NZ car insurers should I look at?

If your car is regularly parked in a flood-prone area in New Zealand, I’d focus less on the brand name and more on the policy wording around flood, storm surge, water damage, and high-risk parking locations. You’ll generally want comprehensive car insurance (not third party only), because flood damage to your own vehicle is the key risk. State Site

Insurers worth getting quotes from include:

  • AA Insurance — comprehensive cover includes damage to your own vehicle; check their flood/storm wording and any location-based underwriting questions. AA New Zealand
  • AMI Insurance — offers comprehensive motor cover; ask specifically how they assess vehicles regularly parked in flood-risk areas. AMI Site
  • State Insurance — comprehensive cover specifically lists accidental damage caused by flood or storm. State Site
  • Tower Insurance — offers comprehensive motor cover; confirm flood-related exclusions and excesses before buying. Tower Insurance NZ
  • NZI — a major NZ motor insurer, often accessed through brokers; useful to compare if your risk profile is unusual. Natural Hazards Commission
  • Vero Insurance — another established NZ insurer that may be worth including in a comparison. Natural Hazards Commission

When you get quotes, I’d ask each insurer these questions:

  1. “My car is parked overnight/regularly in an area that floods. Will you insure it?”

    • Some insurers may apply special terms, a higher premium, or decline the risk depending on the circumstances.

  2. “Does comprehensive cover include flood water entering the vehicle?”

    • Confirm whether this includes engine damage, electrical systems, and interior damage.

  3. “Is there a flood-related excess or special exclusion?”

    • The standard excess may not tell the whole story.

  4. “How will you settle a total loss?”

    • Check whether it is agreed value or market value, and whether the amount is enough to replace the car.

  5. “Does repeatedly parking in a known flood area affect a claim?”

    • This is especially important because insurers may look at whether you took reasonable steps to avoid foreseeable damage.

A few practical things that may help your insurance position:

  • Keep evidence that you park there because you have no alternative (if applicable).
  • Move the car when flood warnings are issued if you can.
  • Don’t attempt to drive through floodwater—many policies have conditions around avoidable damage.
  • Consider whether changing where the car is stored would materially reduce risk.

If you tell me the type of car (value/age), whether it floods from river/stream/coastal water/storm runoff, and whether the car is parked there overnight or only during the day, I can help you narrow which policies to compare.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

My car is often parked in an area that floods. Which NZ car insurers should I look at?

When looking for car insurance in New Zealand for a vehicle that is frequently parked in a flood-prone area, your primary focus should be on Comprehensive Car Insurance policies.

In New Zealand, standard Third Party, Fire and Theft or basic Third Party Only policies generally do not cover flood or storm damage. Comprehensive policies across major NZ insurers do typically cover sudden and accidental loss from natural disasters and floods (such as rising water or storm run-off), but there are critical details you must look out for among providers:

1. Key Policy Conditions to Compare

  • Stand-down Periods (Waiting Periods):
    Some insurers implement a stand-down period (often 48 to 72 hours) for natural disaster or storm/flood cover when you first take out or switch a policy. This means if you buy a policy after a severe weather warning has been issued or right before a flood hits, you won't be covered. Ensure you understand the policy’s start terms if you are switching or buying new insurance ahead of expected weather events.
  • Excess for Natural Disasters:
    Check if the insurer applies a standard excess or a specific, higher excess for natural hazards or flood-related claims.
  • Market Value vs. Agreed Value:
    If a flood totals your vehicle, the payout depends on whether your policy is set to Agreed Value or Market Value. Given that flood-damaged cars often suffer severe electrical and mechanical write-offs, having an agreed value can provide more certainty.

2. Major New Zealand Insurers to Review

When shopping around, look closely at the policy wordings from New Zealand's major providers:

  • AA Insurance: Widely recognized for comprehensive motor insurance that explicitly includes cover for storm, flood, and natural disasters, alongside strong roadside assistance integration.
  • AMI & State (IAG Brands): Two of NZ’s largest insurers. Their comprehensive motor policies cover sudden and accidental flood damage. They also provide extensive digital disaster hubs and claims support for severe weather events.
  • Tower Insurance: Offers tiered comprehensive policies (e.g., standard, savers, or premier). Check the specific tier structure, as exclusions or varying excess options can apply depending on the level of comprehensive cover chosen.
  • FMG (Farmers Mutual Group): Known for rural and provincial coverage, FMG includes natural hazard and storm protection in its comprehensive motor vehicle options, which is particularly relevant if your flood risk involves rural run-off or overflowing rivers.
  • NZI / Trade Me Insurance / Initio: Other prominent options in the NZ market that extend comprehensive protection to sudden natural disaster and flood events, though watch out for specific policy terms regarding policy start dates and stand-down rules.

Summary Recommendation

  • Insist on Comprehensive Cover: Do not rely on third-party insurance.
  • Disclose Accurately: When getting a quote, answer any location-related or risk questions honestly. While most NZ insurers rate car insurance primarily on driver history, age, and vehicle type rather than specific micro-mapping of parking spots, failing to disclose material risk details if explicitly asked can affect a claim.
  • Check the Fine Print: Read the "Natural Disaster" or "Storm and Flood" sections of the policy wording document (PDS) online before purchasing to confirm the exact stand-down hours and excess structures.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

My car is often parked in an area that floods. Which NZ car insurers should I look at?

AI Overview

If your car is frequently parked in a flood-prone area, you must look strictly at Comprehensive Car Insurance policies. In New Zealand, lower-tier policies (like Third Party Only or Third Party, Fire and Theft) do not cover flood or storm damage to your own vehicle.

You should look into major, well-established New Zealand car insurers that specifically explicitly state flood and storm coverage under their comprehensive plans:

Top NZ Insurers to Look At

  • AMI Insurance: Their Comprehensive Car Insurance explicitly covers accidental damage caused by floods and storms. They are one of NZ's largest direct insurers and feature dedicated repair hubs.

  • State Insurance: Backed by the same parent underwriter as AMI, State Comprehensive Cover explicitly includes accidental damage caused by flood or storm.

  • AA Insurance: A highly rated provider whose Comprehensive Policy covers weather-related accidental damage, though they maintain strict underwriting checks regarding pre-existing water damage if you are moving an already-affected vehicle to them.

  • Tower Insurance: Offers comprehensive plans and a transparent digital platform where you can customize your excess based on your specific parking risks.

  • Cove Insurance: A digital-first insurer frequently reviewed as one of the most cost-effective comprehensive options in NZ, making it a good choice if you need full coverage but want to minimize your monthly premium.

Important "Flood Zone" Caveats

Because you already know the area is prone to flooding, keep the following insurance rules in mind before purchasing a policy:

  1. The "Duty of Disclosure": When signing up, insurers will ask where the car is regularly parked at night (e.g., on the street, in a driveway, or in a carport). You must legally disclose if the area is known to flood. Failing to mention this can give the insurer grounds to decline a future claim for fraud or non-disclosure.

  2. Market Value vs. Agreed Value: Look for a policy that offers Agreed Value. If a flood severely damages your car’s electrical system, it is almost always written off as a total loss. An "Agreed Value" ensures you know exactly how much you will be paid out, whereas "Market Value" might leave you short if the car depreciates.

  3. The "Reckless Act" Exclusion: All NZ comprehensive policies exclude coverage for "intentional or reckless acts". If active flood warnings are in place and you choose to leave your car parked in a rising body of water when you reasonably could have moved it, the insurer may reject the claim on the grounds that you failed to take reasonable care.

To find the most competitive rate for your specific location, you can compare these providers side-by-side using the Quashed Market Scan or check current consumer reviews on MoneyHub NZ.

To help narrow this down, could you tell me:

  • What is the approximate make, model, and year of your car?

  • Do you park the vehicle there permanently overnight , or just during work hours?

This will help determine if an agreed-value policy or a higher excess structure would suit you better.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

My car is often parked in an area that floods. Which NZ car insurers should I look at?

When your car is parked in a flood-prone area, standard Comprehensive Car Insurance is essential. In New Zealand , third-party-only or third-party fire and theft policies do not cover your own vehicle for flood or storm damage.

However, because you are parking in a known flood area, insurers will evaluate your risk profile closely. Disclosing the flood risk is legally required under your duty of disclosure; failing to mention it could result in a declined claim.

Major New Zealand car insurance providers to look at for comprehensive cover include:

  • AA Insurance - Offers standard comprehensive policies covering sudden and unforeseen flood damage, provided you didn't act recklessly (e.g., driving deliberately into deep floodwaters). [Quashed]
  • AMI - A major local insurer with comprehensive guidelines on weather and flood events, though they will factor location risk into your premium and excess.
  • State Insurance - Provides comprehensive cover for weather events and storms, similar to its sister brand AMI.
  • Tower - Often noted by consumer research platforms like MoneyHub NZ for broad policy features, but check how their online underwriting assesses high-risk parking locations.
  • Cove Insurance or Trade Me Insurance - Flexible digital-first options worth comparing, though you must carefully review their geographical risk exclusions or higher excesses for natural disasters and flood zones.

Key Factors to Keep in Mind:

  • Comprehensive Only: Make sure you select a Comprehensive policy, as lower-tier insurance will leave you unprotected against rising waters. [Quashed]
  • Higher Excesses or Exclusions: Insurers may apply a higher specific excess for flood or water damage, or in extreme risk zones, limit certain aspects of the cover.
  • Reckless Behaviour Clause: If a vehicle is deliberately driven through rising floodwaters rather than sitting parked when the flood occurs, insurers reserve the right to decline the claim due to reckless action. [Quashed]

If you'd like to narrow this down, let me know:

  • Is the flooding from saltwater (tidal/storm surge) or freshwater (overflowing rivers/surface runoff)?
  • Have you checked your local regional council flood maps for the estimated depth?

I can share more specific tips on how insurers handle those risk levels.

Ask anything

Captured 11 October 2026