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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

How is agreed value different from market value in New Zealand car insurance?

In New Zealand, the main difference is agreed value gives you more certainty about your insurance payout, while market value depends on what your car is worth just before a claim. Car insuranceCar insurance buying guide

Agreed value vs market value

Agreed value

A pre-agreed amount

You and your insurer agree on a dollar value when you take out or renew your policy. If your car is written off or stolen and not recovered, the payout is generally based on that agreed amount, subject to your policy terms and deductions. With car insurance, what is the difference between market value and agreed value?Is My Car Insured For Agreed Value Or Market Value?

Market value

What your car is worth at claim time

Your insurer assesses the car's value immediately before the loss. Factors include its age, make, model, kilometres travelled, condition and comparable vehicles on the market. Your payout may therefore be more or less than you expected. Car insurance buying guideCar Insurance: Market Value vs. Agreed Value

A practical example

Suppose your car was insured for an agreed value of $20,000, but its market value at the time of an accident was $16,000.

Agreed-value policy

$20,000

Before applicable deductions

Market-value policy

$16,000

Illustrative valuation

Potential difference: $4,000 before excesses or other deductions, assuming both policies pay on these respective bases.

These are illustrative figures, not actual valuations. The precise payout depends on your policy wording. With car insurance, what is the difference between market value and agreed value?Understanding Agreed Value vs Market Value Car Insurance Options

Which option might suit you?

Consideration Agreed value Market value
Payout certainty Greater Less certain until assessed
Premium May be higher May be lower
Depreciation Agreed amount can be reviewed at renewal Reflected in the car's current value
Modified or unusual cars Can help account for agreed modifications or accessories May require careful valuation

Understanding Agreed Value vs Market Value Car Insurance OptionsCar Insurance: Market Value vs. Agreed ValueIs My Car Insured For Agreed Value Or Market Value?

Three things to check in New Zealand

For official guidance, see Consumer Protection NZ's car insurance guide.

In short: If you want to know more clearly what your car is insured for if it is written off, agreed value offers greater certainty. If you prefer potentially lower premiums and are comfortable with a valuation at claim time, market value may suit you.

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ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

How is agreed value different from market value in New Zealand car insurance?

In New Zealand car insurance, the distinction between agreed value and market value determines how much your insurer will pay out if your car is written off or stolen.

Here is how the two types of coverage compare and how they function under New Zealand insurance policies:

Key Differences at a Glance

Feature Agreed Value Market Value
How Payout is Determined A fixed amount agreed upon by you and the insurer when you take out or renew the policy. What the car was reasonably worth on the open market immediately before the loss occurred.
Depreciation Risk Protected: Your payout stays the same for the policy year, regardless of how much depreciation occurs. Vulnerable: Your payout drops as the car ages and market demand shifts.
Premium Impact Usually results in a higher premium because the insurer takes on more financial risk. Usually results in a lower premium.
Proof Required May require recent valuations, purchase receipts, or inspection (especially for modified or classic cars). Determined post-claim by assessors looking at recent sales of similar makes, models, and years in NZ.

1. Agreed Value

  • What it means: You and your insurer agree on a specific dollar amount for your car's worth when the policy starts. This figure is clearly stated on your certificate of insurance.
  • The payout: If your car is stolen or written off (a total loss), you receive that exact agreed amount (minus any applicable excess).
  • When it is useful: Highly recommended for newer cars that depreciate rapidly in their first few years, imported vehicles, cars with expensive modifications or custom parts, and classic or collector cars where market value is hard to pin down.

2. Market Value (Sometimes called Indemnity Value)

  • What it means: Your insurer calculates what your car would have sold for on the New Zealand second-hand market right before the accident or theft occurred.
  • The payout: Assessors look at recent Trade Me listings, dealer sales, and industry valuation guides for vehicles with a similar age, mileage, condition, and history.
  • The downside: Because cars depreciate constantly, the market value payout might be significantly lower than what you think the car is worth, or what you still owe on a car loan (negative equity).

What to Keep in Mind in New Zealand

  • Review every year: If you have an agreed value policy, insurers in New Zealand typically review and adjust the agreed value downward slightly at each annual renewal to reflect depreciation, though you can often negotiate this if you disagree.
  • Policy wording: Always check your specific Product Disclosure Statement (PDS) or policy wording, as some comprehensive policies default to market value unless you specifically request and pay extra for agreed value coverage.
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Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

How is agreed value different from market value in New Zealand car insurance?

AI Overview

In New Zealand car insurance, the choice between agreed value and market value dictates exactly how much your insurer will pay you if your vehicle is written off or stolen.

The primary difference lies in predictability versus current worth: agreed value locks in a set, predetermined dollar amount for the duration of your policy year, whereas market value pays out what your vehicle was worth on the open market right before the incident occurred.

Direct Comparison

Feature Agreed Value Market Value
Payout Amount The exact fixed figure printed on your policy schedule. The estimated cost to replace the car in its pre-accident condition.
Predictability High. You know exactly what you will receive (minus your excess). Low. Subject to depreciation, mileage, and vehicle condition at the time of loss.
Premium Cost Generally higher, as the insurer takes on more financial risk. Usually lower, matching the dropping value of the asset.
Value Adjustments Stays the same all year, but is typically reassessed and lowered at renewal. Continuously shifts based on broader automotive market trends.

Which option should you choose?

Agreed Value is ideal if:

  • Your car is under finance , ensuring your insurance payout is enough to clear the remaining loan if the vehicle is written off.

  • You own a classic, modified, or unique vehicle whose true value isn't easily determined by standard market algorithms.

  • You prefer financial certainty and want to avoid stressful negotiations with an assessor over depreciation or pre-existing wear.

Market Value is ideal if:

  • You want to keep your monthly or yearly premiums as low as possible.

  • Your vehicle is an older, common model where squeezing every dollar out of a total-loss claim is not a priority.

  • You are comfortable letting local depreciation dictate the final payout if an accident occurs.

To help find the right balance for your situation, tell me:

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

  • Is the vehicle currently financed or completely paid off?

  • Is your priority saving on premiums or guaranteeing a specific payout?

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Captured 11 October 2026

Google AI Mode · New Zealand

How is agreed value different from market value in New Zealand car insurance?

In New Zealand car insurance, the difference between agreed value and market value comes down to how the payout amount is determined when your car is written off or stolen.

Here is how they compare:

  • Agreed Value : This is a fixed amount determined between you and your insurance provider when you start or renew your policy. It represents the maximum amount the insurer will pay out in a total loss. Because this payout amount is locked in ahead of time (though often reviewed/adjusted by the insurer at annual renewal to account for depreciation), it provides total payout certainty, but it typically comes with a higher premium.

  • Market Value : This is the reasonable retail value of your car immediately before the accident or loss occurred, as estimated by your insurer. The insurer evaluates current market conditions, including your car's age, make, model, mileage, and overall condition. Because payouts drop as your car depreciates and there is less certainty around the final payout figure, market value policies generally feature lower premiums.

Key Comparisons at a Glance

  1. Definition :
  • Agreed Value : A set sum locked in at the beginning of the policy period.
  • Market Value : An assessment of what your car was worth on the open market right before the incident.
  1. Payout Certainty :
  • Agreed Value : You know the exact maximum payout amount beforehand.
  • Market Value : The payout amount is unknown until a valuation is conducted at the time of the claim.
  1. Cost :
  • Agreed Value : Usually costs a bit more in premiums.
  • Market Value : Generally the more budget-friendly option.
  1. Impact of Depreciation :
  • Agreed Value : Fixed for the policy term, though it may be adjusted downwards by the insurer upon annual renewal.
  • Market Value : Decreases continuously over time as the vehicle depreciates.

You can read more about how these options operate via guides from AA Insurance or Canstar New Zealand.

If you'd like, let me know:

  • Is your car a standard daily driver or a classic/modified vehicle?
  • Are you currently trying to choose a policy type for a specific car?

I can help you weigh which option makes more financial sense for your situation.

Ask anything

Captured 11 October 2026