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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

I live in Auckland and need car insurance. Which companies are worth comparing?

For car insurance in Auckland, it’s worth comparing several insurers rather than assuming the biggest name is cheapest. Premiums can vary a lot based on your car, suburb, driver history, excess, and the level of cover. MoneyBalance

These are the main NZ providers I’d put on a comparison list:

  • AA Insurance — A strong option to compare if you value established claims processes and features such as agreed value on comprehensive policies. AA New Zealand
  • AMI Insurance — Worth checking, especially for comprehensive cover; AMI offers features such as roadside assistance with some comprehensive policies. AMI Site
  • State Insurance — Often included in NZ comparisons and can be competitive depending on the driver and vehicle profile. MoneyHub NZ
  • Tower Insurance — Worth a quote if you want to compare broader policy benefits as well as price. MoneyHub NZ
  • Cove Insurance — A newer digital-first insurer that can be competitive for some drivers, particularly if you prefer online servicing. Car Insurance Comparison NZ
  • Trade Me Insurance — Another quote to include; its motor insurance is associated with Tower. MoneyHub NZ
  • FMG Insurance and Vero Insurance New Zealand Limited — Also worth checking if your circumstances fit their target customers. Car Insurance Comparison NZ

When comparing, I’d look at more than the annual premium:

  • Agreed value vs market value — important if the car is stolen or written off.
  • Excess amount — a cheaper premium can come with a much higher excess.
  • Repairer choice — some people prefer being able to choose their own repairer.
  • Windscreen/glass cover — check whether it is included or an add-on.
  • Hire car cover — useful if you rely on your vehicle daily.
  • Under-25 or additional driver rules — these can materially change the cost.

A practical shortlist for most Auckland drivers would be: AA Insurance, AMI, State, Tower, Cove, and Trade Me Insurance for initial quotes, then add a specialist option if you have a particular vehicle or situation. MoneyHub NZ

If you tell me your car model/year, your age range, whether you want comprehensive or third-party cover, and whether you have any claims history, I can suggest which ones are most worth prioritising.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Auckland and need car insurance. Which companies are worth comparing?

When shopping for car insurance in New Zealand, comparing a mix of traditional, highly-rated providers and newer digital options is the best way to secure a competitive rate and the right coverage.

The top companies worth comparing include:

  • AA Insurance: Consistently ranks high for customer trust, reliable claims handling, and solid comprehensive benefits (including agreed-value options and member discounts).
  • AMI Insurance: Well-known for offering comprehensive cover that often bundles useful extras like free roadside assistance (AMI Roadside Rescue) and flexible excess options.
  • Tower Insurance: Highly rated for its straightforward online platform, digital policy management, and occasional promotional sign-up discounts.
  • State Insurance: Frequently recognized by industry awards (such as Canstar's Insurer of the Year) for outstanding overall value and customer service satisfaction.
  • Cove Insurance: A popular, modern digital-first Kiwi insurer known for fast 2-minute online quotes, flexible monthly payments, and streamlined app-based management.

Tips for Comparing Your Options

  • Check the Excess: Look closely at what you will pay out-of-pocket if you need to make a claim, especially if you are under 25 or have additional drivers on your policy.
  • Agreed vs. Market Value: Confirm whether the policy pays out an agreed-upon amount if your car is written off or stolen, or just the current market value at the time of the claim.
  • Extras: Factor in the cost or inclusion of helpful add-ons like rental cars, roadside assistance, and windscreen protection.

If you would like, I can help you outline a checklist of specific coverage questions or policy features to look out for when gathering quotes from these providers. Do you want me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Auckland and need car insurance. Which companies are worth comparing?

AI Overview

Auckland drivers pay the highest car insurance premiums in New Zealand, averaging $1,496 annually for comprehensive cover due to the region's higher accident and theft rates. Because the price gap between the highest and lowest quotes for the same driver can average $651 , shopping around is highly recommended.

The primary car insurance companies worth comparing in New Zealand are outlined below:

Digital & Budget-Focused Insurers

  • Cove : Known for digital-first operations and frequently offering the cheapest premiums for many car models (though it generally excludes drivers under 21).

  • Tower Insurance : A large, NZX-listed provider offering fast, tech-forward online claims processing alongside standard excess reductions and specialized promotions.

Established Nationwide Insurers

  • AA Insurance : A highly popular choice joint-ventured with Vero, frequently recognized for high customer satisfaction and offering unique perks like a lifetime repair guarantee.

  • AMI Insurance : Underwritten by IAG New Zealand, AMI features a broad network, built-in roadside rescue, and dedicated MotorHub repair facilities in Auckland.

  • State Insurance : Also underwritten by IAG, State offers streamlined online management tools and low standard excesses, though customer satisfaction ratings sometimes trail its competitors.

Member-Only & Special Interest Options

  • MAS (Medical Assurance Society) : A member-owned mutual aimed at professionals that consistently tops Consumer NZ satisfaction surveys.

  • FMG : A rural and regional specialist that regularly earns "People's Choice" awards for customer support and claims handling.

Provider Comparison Overview

Insurer Key Benefit Valuation Options
Cove Highly competitive digital-first pricing Market Value
AA Insurance Lifetime repair guarantee & high satisfaction Agreed Value
Tower Rapid online instant claims processing Market or Agreed Value
AMI In-house Auckland MotorHub repair network Agreed Value
State Low standard excess structure ($300) Market or Agreed Value

If you would like to narrow down the best choice for your situation, could you tell me:

  • What make and model of car do you drive?

  • Are you looking for Comprehensive cover or basic Third Party cover?

  • Will there be any drivers under the age of 25 on the policy?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Auckland and need car insurance. Which companies are worth comparing?

When looking for car insurance in New Zealand , several major providers stand out for their market presence, coverage options, and customer service reputation. Because insurance premiums vary significantly depending on your specific vehicle, age, parking location, and driving history, it is best to compare quotes across a mix of traditional heavyweights and modern digital insurers.

Here are the key car insurance companies worth comparing in New Zealand:

  • AA Insurance: Highly rated for customer service and claims satisfaction, offering comprehensive cover with benefits like a lifetime repair guarantee.
  • Tower: Known for broad, comprehensive policies and flexible features like excess-free key replacement. They frequently run online signup discounts (such as promo codes tracked on Canstar).
  • AMI: One of New Zealand's long-standing traditional insurers with extensive local branch networks and comprehensive, third-party options.
  • State: A widely used sister brand to AMI, offering robust comprehensive tiers and frequent digital promotional offers. [Canstar NZ]
  • Cove: A newer, app-and-digital-first insurer that frequently ranks as one of the cheapest options for drivers over 21, offering flexible monthly or annual payment structures. [MoneyHub NZ]

To compare policies side-by-side or aggregate quotes efficiently, you can also explore local comparison tools like Quashed or read independent reviews on MoneyHub NZ and Canstar Blue.

If you'd like, share a few details about your vehicle:

  • The make, model, and year of your car
  • Your approximate age group (e.g., under 25, 25-39, 40+)
  • Whether you want Comprehensive or Third Party cover

I can help tailor which specific features or excess levels you should watch out for.

Ask anything

Captured 11 October 2026