Search studies, brands and more…⌘ KExplore research

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 missed a monthly car insurance payment because money was tight. Is my car still insured, and what should I do now?

If you missed one monthly car insurance payment in New Zealand, your car may still be insured, but it depends on your insurer’s policy wording, how late the payment is, and whether the insurer has cancelled the policy. There is no single rule that applies to every insurer. Some insurers allow a missed payment to be caught up; others may cancel cover after a stated period of non-payment. AA Insurance

What to do now:

  1. Check your insurer’s emails, texts, or online account

    • Look for a missed-payment notice or cancellation notice.
    • Confirm whether your policy status says “active” or “cancelled”.

  2. Contact your insurer as soon as possible

    • Explain that money was tight and you missed the payment.
    • Ask:
      • “Is my policy still active?”
      • “What date does my cover run until?”
      • “Can I pay the missed amount or set up a payment arrangement?”

  3. Avoid driving until you confirm your cover if you’re unsure

    • If your policy has been cancelled, you could be personally responsible for damage to your car or someone else’s vehicle.

  4. If you’re struggling financially, ask about options

    • Some insurers may offer payment arrangements or other ways to keep the policy in place, depending on their rules. AA Insurance

A missed payment does not automatically mean you are uninsured immediately in every case. For example, some NZ insurers state that a first failed payment can leave cover active while they retry payment, while other policies set cancellation after a longer overdue period. AA Insurance

If you tell me which insurer you’re with (for example AA, State, Tower, AMI, etc.) and when the payment was due, I can help you work out what likely applies.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I missed a monthly car insurance payment because money was tight. Is my car still insured, and what should I do now?

Whether your car is still insured after a missed payment depends heavily on how long ago the payment was missed and the specific policy terms of your New Zealand insurer (such as AMI, AA Insurance, State, or Tower).

Is my car still insured?

  • If it was just a recent missed payment (First attempt): Most insurers do not cancel your policy immediately after a single failed automatic payment (like a direct debit or credit card deduction). They typically have a grace period or will automatically retry the transaction a few days or weeks later (for instance, some major insurers retry around 14 days after the original date). During this short window, your policy is usually still active.
  • If multiple payments have been missed or notice has been given: If a second payment attempt also fails, or if you have passed your insurer's grace period, the policy will generally be automatically cancelled or lapsed due to non-payment. If this has happened, you have no cover, meaning you are driving uninsured.

What should you do now?

  1. Check your bank account and emails immediately: Look for any failed payment notifications, SMS alerts, or emails from your insurer warning you about a dishonoured payment or impending policy cancellation.
  2. Call your insurer straight away: Do not wait for them to contact you. Ring their customer service team and explain that money was tight, but you want to clear the arrears.
    • If the policy is still active: They can usually process a manual payment over the phone to bring your account up to date.
    • If the policy has already cancelled: They may be able to reinstate your policy or help you set up a new one. (Be honest about whether any incidents or accidents occurred while the payment was lapsed).
  3. Explore hardship options if money is tight: Many New Zealand insurance providers have dedicated financial hardship support teams. If you are struggling to make upcoming monthly installments, ask them if they can temporarily restructure your payments, adjust your policy cover (e.g., increasing your excess to lower the premium), or offer a brief payment holiday while you get back on your feet.
  4. Avoid driving uninsured: Until you speak with your insurer and receive verbal or written confirmation that your policy is active, try to avoid driving if possible. Driving without insurance in New Zealand leaves you personally liable for thousands of dollars of damage if you get into an accident.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I missed a monthly car insurance payment because money was tight. Is my car still insured, and what should I do now?

AI Overview

Yes, your car is most likely still insured, but you need to act quickly.

In New Zealand, missing a single monthly instalment does not automatically cancel your cover right away. Most major New Zealand insurers—such as State, AMI, and Tower—will provide a grace period. They will notify you of the missed payment and typically attempt to retry the direct debit or deduction 14 days after the original due date. However, if multiple attempts fail or if you ignore the issue, your policy will lapse, and any coverage will be backdated to your last successful payment, leaving you completely unprotected.

What You Should Do Now

  1. Contact Your Insurer Immediately
    Do not wait until you need to make a claim to check your policy's status. Call your insurer or log into their online portal. Let them know why the payment was missed and work out a plan.

  2. Arrange a New Payment Date
    If money is tight, ask if they can change your monthly direct debit date to align directly with your payday so you know funds will be available.

  3. Inquire About Temporary Hardship Support
    Most major Kiwi insurers have dedicated financial hardship teams. They can often offer temporary solutions, such as pausing payments for a brief period or restructuring your premium payments without cancelling your policy.

  4. Be Mindful of Bank Fees
    Check your bank account. If a direct debit failed due to insufficient funds, your bank might charge you a dishonour/unpaid fee.

Long-Term Budgeting Options

If you are struggling to make ends meet, consider getting free, confidential advice from a financial mentor through the New Zealand helpline MoneyTalks. They can help you look at your budget or advocate on your behalf if you are facing pressure from household bills.

To help me give you more specific advice, who is your insurance provider , and when is your next payday?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I missed a monthly car insurance payment because money was tight. Is my car still insured, and what should I do now?

Whether your car is still insured depends on whether your insurer has a grace period or has already formally cancelled or suspended your policy for non-payment. If you only missed the payment very recently, many New Zealand insurers provide a brief informal grace period or will retry the direct debit, but your coverage may be at immediate risk of lapsing or may already be inactive if a formal cancellation notice was previously issued.

Immediate Status Check

  • Check your bank and email: Look for a failed payment notice, a direct debit dishonour text/email, or a formal cancellation notice from your insurance provider.

  • Review your policy wording: Check your insurer's specific terms regarding unpaid premiums and grace periods.

  • Assume temporary risk: Do not assume you are fully covered until you speak directly with your provider, as an incident occurring during an active lapse in coverage will not be paid out.

Recommended Steps to Take Now

  1. Contact your insurer immediately: Call your car insurance provider's customer service or financial hardship team straight away. Do not wait for them to chase you.
  2. Ask about payment options or hardship: Many major New Zealand insurers have dedicated support teams for customers experiencing temporary financial distress. They may allow you to temporarily pause payments, defer a payment date, or rearrange your premium schedule.
  3. Settle the arrears: If you have managed to secure the funds, pay the missed installment immediately to reinstate or secure continuous coverage before any formal cancellation takes effect.
  4. Avoid driving if uninsured: If the policy has officially lapsed or been cancelled, avoid driving the vehicle until coverage is formally re-established, given that driving without third-party coverage leaves you personally liable for any damage or accidents.

If you can share the name of your insurance company , I can help point you toward their specific customer support or financial hardship contact details.

Ask anything

Captured 11 October 2026