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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

Who can help resolve a car insurance dispute if the insurer's internal process fails?

In New Zealand, if your car insurer’s internal complaints process does not resolve the dispute, you can usually take it to an independent external dispute resolution scheme. The right organisation depends on which scheme your insurer belongs to. Govt.nz

The main options are:

  • Insurance & Financial Services Ombudsman Scheme (IFSO) — handles complaints about participating insurers and financial service providers. It is independent and free for consumers. Ombudsman NZ
  • Financial Services Complaints Limited (FSCL) — another independent, free dispute resolution scheme used by some insurers. ICNZ | Insurance Council of New Zealand
  • Financial Dispute Resolution Service (FDRS) — may handle complaints where the insurer is a member. Financial Dispute Resolution Service

What to do next

  1. Ask your insurer which external dispute resolution scheme they belong to (it should also be in your policy documents or disclosure information). Financial Markets Authority
  2. Request a “deadlock” letter if the insurer cannot resolve the complaint. This confirms the internal process has ended and allows escalation. ICNZ | Insurance Council of New Zealand
  3. Submit your complaint to the relevant scheme, including your policy details, claim information, correspondence, and what outcome you want. Consumer Protection

If the dispute still cannot be resolved after that, you may have other options such as the Disputes Tribunal or court action, depending on the circumstances and amount involved. Consumer Protection

For a refused car insurance claim specifically, Consumer Protection NZ advises first using the insurer’s complaints team, then going to the insurer’s dispute resolution service if it remains unresolved. Consumer Protection

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ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Who can help resolve a car insurance dispute if the insurer's internal process fails?

If an insurer's internal dispute resolution process fails to resolve a car insurance dispute in New Zealand, you can escalate the matter to an independent external dispute resolution scheme. Every insurance company in New Zealand is legally required to belong to one of the government-approved dispute resolution schemes:

  • Insurance & Financial Services Ombudsman (IFSO) Scheme: A free, independent service that investigates complaints between consumers and participating insurance providers.
  • Financial Services Complaints Limited (FSCL): Another approved dispute resolution service that acts as an impartial third-party reviewer for insurance claims and disputes.

Key Details About External Schemes

  • Cost: The service is entirely free for consumers.
  • Binding Decisions: If the Ombudsman or FSCL rules in your favour, their decision is legally binding on the insurer (up to specific scheme financial limits), but it is not binding on you—meaning if you are still unsatisfied, you retain the right to pursue the matter further.
  • Prerequisite: You must first give your insurer the opportunity to resolve the issue through their formal internal complaints process (or wait until they issue a "letter of deadlock," or until two months have passed) before an external scheme can step in.

Last Resort

If external dispute resolution fails or the dispute exceeds the financial jurisdiction of the schemes, the final option is taking legal action through the courts (such as the Disputes Tribunal for smaller claims or the District Court).

(Note: You can check your insurance policy documents or your insurer's website to confirm whether they belong to the IFSO or FSCL.)

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Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Who can help resolve a car insurance dispute if the insurer's internal process fails?

AI Overview

If your car insurer's internal complaints process fails, you can escalate the dispute to the independent, external financial dispute resolution scheme that your insurer belongs to.

By New Zealand law, every car insurance company must be registered as a financial service provider and be a member of an approved external dispute resolution service. These services are entirely free for consumers , impartial, and can make decisions that are legally binding on the insurance company.

Most car insurance disputes in New Zealand are handled by one of two primary schemes:

1. Insurance & Financial Services Ombudsman (IFSO) Scheme

The IFSO Scheme investigates the vast majority of consumer insurance complaints in New Zealand.

  • Contact: You can call them on 0800 888 202 or submit a case through the IFSO Online Complaint Form.

  • Authority: They can resolve disputes via mediation or issue binding decisions on the insurer for claims up to $500,000 + GST.

2. Financial Services Complaints Ltd (FSCL)

Some insurance companies choose to register with FSCL instead of the IFSO. Like the IFSO, it operates as an independent Financial Ombudsman service that can issue binding compensation orders.

How to Find Out Which Scheme Covers Your Insurer

Before you can lodge an external dispute, you must find out which scheme your specific provider belongs to. You can check this by:

  • Looking at the "Dispute Resolution" or "Complaints" section on your car insurer's official website.

  • Checking your insurance policy wording document.

  • Searching your provider's name directly on the government-managed Companies Office Financial Service Providers Register.

What is the Process?

  1. Get a "Deadlock" Letter: You must first complete your insurer's formal internal complaints timeline. If they issue a final rejection or do not resolve the matter within 2 months , request a formal "deadlock letter" stating their internal review process is fully exhausted.

  2. Lodge within the Deadline: Once you have a deadlock letter, you typically have a strict timeframe (usually 3 months) to lodge your claim with the designated scheme.

  3. The Finality: If the ombudsman rules in your favor, the insurer must legally comply. If you disagree with the ombudsman's decision, you are not bound by it and still retain the right to take your insurer to the Disputes Tribunal or court as a last resort.

Would you like help drafting a deadlock request to send to your insurer, or would you like to look up which specific scheme your insurance provider belongs to?

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Captured 11 October 2026

Google AI Mode · New Zealand

Who can help resolve a car insurance dispute if the insurer's internal process fails?

If your insurer's internal dispute process fails or reaches a deadlock (usually after 2 months), you can escalate your car insurance complaint to an approved External Dispute Resolution (EDR) scheme in New Zealand. All private general insurers in New Zealand must belong to one of these independent, free-for-consumer schemes.

The two primary dispute resolution bodies handling these cases are:

  • Insurance & Financial Services Ombudsman (IFSO) Scheme: An independent approved dispute resolution scheme that investigates unresolved complaints against participating financial service providers. Their decisions are binding on the insurer (up to $500,000 plus GST) but not on you, meaning you can still pursue other avenues if you disagree. You can learn more or submit a case through the IFSO Complaints Page.

  • Financial Services Complaints Ltd (FSCL): Another government-approved dispute resolution service for financial complaints, which acts as an independent external ombudsman service if your specific insurer is a member of their scheme.

Other options if EDR fails:

  • Disputes Tribunal / Courts: If the dispute exceeds the financial limits or scope of the ombudsman services, or if you choose not to accept their binding ruling on the insurer, you can take formal legal action through the Disputes Tribunal (for smaller claims) or the District/High Court.

Would you like me to share:

  • The deadlock timeframes required before contacting an ombudsman?
  • How to check which specific scheme your insurer belongs to?
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Captured 11 October 2026