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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 usually parked in Hawke's Bay. Could where I live change what car insurance I need?

Yes — where you live, and especially where your car is usually parked overnight, can affect your car insurance in New Zealand. Since your car is usually parked in Hawke’s Bay, that is the location you should tell your insurer about, even if you live somewhere else.

Your location can affect the premium you pay, the insurer's assessment of risk, and potentially the terms of your cover. You generally don't need a completely different type of insurance just because you live in another region, but you do need a policy that accurately reflects your circumstances. Duty of Disclosure: What to Tell Your InsurerWhat to Tell Assurant: Keeping Your Car Insurance Valid, Up-to-Date and Affordable

What difference could it make?

  • Your premium: Insurers may assess risks such as vehicle theft, traffic accidents and exposure to weather-related damage differently by location.
  • Where the car is kept: Your residential address and the address where your car is normally parked may be different. Your insurer may ask for both.
  • Your claims: If you haven't disclosed a relevant change in circumstances, your insurer could reduce or refuse a claim, depending on the circumstances and policy terms.
  • The cover you need: The right level of cover depends more on your car's value, how you use it, your budget and the risks you want protected against than on your region alone. Car insuranceInsuranceDuty of Disclosure: What to Tell Your Insurer

What I'd recommend checking for Hawke's Bay

Hawke's Bay has experienced significant flooding and severe weather, so it's worth checking whether your policy covers storm and flood damage to your car. The exact parking location and your policy wording matter; living in Hawke's Bay doesn't automatically mean you need a special policy. Storms and Floods HazardMotor Vehicle Insurance Policy Details

  • Comprehensive cover: Generally protects your own car against covered accidental damage, including weather damage where the policy includes it.
  • Third party, fire and theft: Covers damage you cause to other people's property, plus specified risks such as theft and fire, but usually not general accidental damage to your own car.
  • Third party only: Covers your liability for damage to other people's property, not damage to your own car in most circumstances. Car insuranceMotor Vehicle Insurance Policy Details

One important question

Do you live in Hawke's Bay as well, or do you live elsewhere in New Zealand and keep your car parked in Hawke's Bay?

That distinction will help me explain which address you should give your insurer and what you should check about your cover.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

My car is usually parked in Hawke's Bay. Could where I live change what car insurance I need?

Yes, where your car is normally parked is a key factor that New Zealand insurance companies use to assess risk and calculate your policy details.

Having your car parked in Hawke's Bay can influence your insurance in a few specific ways:

  • Premiums and Risk Profiles: Insurers look closely at local statistics for the specific area where a vehicle is kept. This includes regional rates of vehicle theft, traffic accident frequencies, and historical data regarding natural hazards (such as flood or seismic risks which Hawke's Bay has experienced in certain zones). Depending on the exact postcode or local risk profile, this can impact how high your premium is compared to other regions.
  • Parking Security & Excess: Insurers will ask whether your car is parked on the street, in an open driveway, or locked in a garage overnight. In regions with specific weather or security risks, having secure off-street parking or safety features (like an alarm or immobiliser) can help lower your costs or influence whether certain conditions apply.
  • Policy Terms and Accuracy: Your "garaging address" must be where the car is ordinarily kept. If you move or regularly keep the car at a different location for extended periods, standard New Zealand policy wordings usually require you to notify your insurer promptly. Failing to update your address can occasionally complicate a claim if the insurer determines the risk profile changed significantly.

Ultimately, location is just one piece of the puzzle alongside your vehicle type, driving history, and chosen excess, but it does directly affect your overall quote.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

My car is usually parked in Hawke's Bay. Could where I live change what car insurance I need?

AI Overview

Yes, where your car is usually parked can change the cost of your car insurance and sometimes affect policy terms in New Zealand.

How Hawke's Bay Influences Your Car Insurance

  • Premium Pricing (Cost): New Zealand insurers like AA Insurance and AMI Insurance use location-based data to calculate risk. If the specific area in Hawke's Bay where your car stays has higher rates of vehicle theft, vandalism, traffic density, or local accident claims, your base premium will adjust to match those stats.

  • Weather and Flood Exposure: Hawke's Bay is prone to severe weather events, heavy rainfall, and river or surface flooding (such as past events during Cyclone Gabrielle). Insurers look at granular natural hazard data. If your car is parked overnight in a known high-risk flood zone or low-lying area, it can influence your risk profile or excess for storm and flood damage.

  • Where It Is Parked Day and Night: Insurers ask where the vehicle is kept overnight (such as on the street, in an open driveway, or locked in a garage). Parking off-road or in a secure garage lowers the risk of theft and weather damage, which can reduce your quote.

  • Type of Cover Needed: Location does not change the core types of cover available in New Zealand—you still choose between Comprehensive, Third Party Fire & Theft, or Third Party Only. However, only Comprehensive car insurance covers storm and flood damage to your own vehicle, which is an important consideration given Hawke's Bay's weather history.

If you'd like, let me know:

  • Where specifically the car is parked overnight (street, driveway, or locked garage)
  • What level of cover you are currently looking at

I can help explain what details matter most when getting a quote.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

My car is usually parked in Hawke's Bay. Could where I live change what car insurance I need?

Yes, where your car is normally parked—such as in Hawke's Bay —definitely impacts your car insurance, though it generally changes how much you pay (your premium and excess) rather than the fundamental type of legal cover you need.

In New Zealand, car insurance isn't legally mandatory, but where you park influences an insurer's risk assessment in specific ways:

  • Natural Hazard Risk: Insurers evaluate regional environmental data. Hawke's Bay has specific local weather and natural hazard risk profiles (such as heavy rain, flooding, or slip risks in certain areas), which insurers factor into their pricing models. [Tower Insurance NZ]

  • Crime and Theft Rates: Where your car is parked overnight (e.g., on an open street, a shared driveway, or locked inside a garage) affects the statistical risk of theft or vandalism in that specific postcode or locality.

  • Parking Security Details: Telling your insurer whether your vehicle is parked off-street, in a secure carport, or in a locked garage overnight in Hawke's Bay can adjust your risk profile and sometimes lower your premium or change your standard excess. [Insurspy]

  • Premium Costs: While the core types of cover (Third Party Only, Third Party Fire & Theft, or Comprehensive) remain the same across the country, the final cost calculated by providers like Tower or other NZ insurers will adjust based on your specific regional and address risk band.

If you'd like, let me know:

  • Is the car parked on the street or off-street (like a garage or driveway) in Hawke's Bay?
  • What level of cover (Comprehensive vs. Third Party) are you looking at?

I can help you understand what details to watch out for when getting a quote.

Ask anything

Captured 11 October 2026