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

We have kids and rely on our car for school and work. Which NZ car insurers should I look at?

If you have kids and rely on your car for school drop-offs, work and everyday family life, I’d focus on comprehensive car insurance with good replacement-transport options, rather than simply choosing the cheapest premium.

In New Zealand, I’d start by comparing AA Insurance, AMI, State, Tower and Cove. I’d also look at MAS if you’re eligible. These providers offer different combinations of cover, excesses and optional benefits, so the right fit will depend on your car and how difficult it would be to manage without it. Compare Car Insurance Policies and Providers in NZCompare Car Insurance Quotes NZ 2026Car insurance buying guide

Which NZ insurers should you compare?

1. AA Insurance

A good starting point for comparing agreed-value comprehensive cover. AA Insurance also advertises a lifetime repair guarantee when you use its approved repairers, and eligible AA members may receive discounts. Comprehensive Car Insurance Quote OnlineAA Car and Vehicle Insurance

Worth checking: hire-car cover, roadside assistance and the excess payable by younger or inexperienced drivers.

Get an AA Insurance quote

2. AMI Insurance

Particularly worth investigating if being without a car during repairs would disrupt your family. AMI advertises courtesy cars or Uber trips for eligible customers using its MotorHub repair service, subject to availability and conditions. AMI MotorHub

Worth checking: whether the repair arrangement is available to you and what happens if the car is stolen or written off.

Explore AMI car insurance

3. State Insurance

State lists hire-car or alternative transport cover as an optional extra, for up to 21 days while your car is being repaired. It also lists towing and children's car seats among its benefits. Car Insurance | Compare, Quote & Buy Online

Worth checking: the cost of adding hire-car cover and whether the limit would give you enough time to get back to normal.

Explore State car insurance

4. Tower Insurance

Worth comparing for comprehensive cover, especially if you value new-car replacement. Tower advertises replacement with a new car of the same make, model and variant for eligible total-loss claims within two years of the car being new. Rental-car cover and roadside assistance are optional benefits. Comprehensive Car Insurance Quote

Explore Tower car insurance

5. Cove Insurance

Include Cove in your quote comparisons if you prefer managing insurance online. It offers online comprehensive-car quotes, with an agreed value you select under its policy. Car Insurance NZ - Get a Quote and Buy Online with Cove

Worth checking: the exact replacement-transport benefits and any additional excess for inexperienced drivers.

Explore Cove car insurance

6. MAS

Add MAS to your shortlist if you're eligible. Its comprehensive motor cover includes roadside assistance provided by AA Roadservice for eligible vehicles, without an extra premium for that benefit. Motor Vehicle, Bike and Car InsuranceMAS Roadside Assistance provided by the AA terms and conditions

Explore MAS motor insurance

What matters most for a family that depends on its car?

I'd compare these five things before deciding which policy to buy.

  1. A replacement car when yours is unavailable

Check whether a hire car is covered after an accident, during repairs, or if your car is stolen. Find out whether it is included or an optional extra, how many days are covered, and whether a suitable family-sized vehicle is available.

  1. Breakdown and roadside assistance

Check towing, flat batteries, flat tyres and keys locked in the car. Insurance against accidents does not necessarily cover mechanical breakdowns.

  1. An excess you can afford

Compare the standard excess and any extra excess for young or inexperienced drivers. A cheaper premium may cost you more when you need to claim.

  1. Enough cover to replace your car

Compare agreed value with market value, and check new-car replacement conditions if your vehicle is relatively new. Comprehensive cover protects your own car as well as your liability for damage to other people's property. Car insuranceCar insurance buying guide

  1. Cover that suits your household

Tell the insurer who drives the car, including your partner and any young drivers. Check cover for child car seats, personal belongings and the type of work-related driving you actually do.

How I'd shop around

Get at least three quotes, ideally from AA Insurance, AMI and Tower or State, then add Cove or MAS as another comparison. Consumer NZ recommends comparing multiple quotes and reading the policy wording, rather than choosing on price alone. Car insurance buying guideCar insurance

You can also use Canstar NZ's car insurance comparison tool to compare policy features.

Let me narrow it down for your family

A couple of details will help me suggest which insurers are most worth your time.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

We have kids and rely on our car for school and work. Which NZ car insurers should I look at?

When you rely heavily on your car for work and school drop-offs, a sudden breakdown or accident can throw your whole week into chaos. For families looking for reliability, strong value, and peace of mind, several mainstream New Zealand car insurers stand out.

Key Insurers to Consider

  • AA Insurance
    Consistently recognized for outstanding value and customer service, AA Insurance offers stable premiums, a lifetime repair guarantee on authorized repairs, and a reliable local call center. They are a strong choice if you want hassle-free support and strong trust ratings.

  • AMI
    AMI offers comprehensive policies that frequently bundle practical perks for everyday drivers. Their comprehensive car insurance includes free Roadside Rescue (24/7 breakdown help), which is invaluable when you have children in the car and cannot afford to be stranded. They also offer alternative transport options while your car is in the shop.

  • Tower Insurance
    Tower is known for providing some of the most comprehensive policy benefits on the market. Their comprehensive cover includes useful extras like excess-free key replacement if keys are lost or stolen, and flexible options for agreed or market value.

  • Cove Insurance
    If you prefer a streamlined, digital-first experience with competitive pricing, Cove is a popular challenger brand in New Zealand. They offer flexible comprehensive policies that often come in below traditional insurer price points.

What to Look Out For as a Busy Family

  • Rental Car/Alternative Transport Cover: Check whether the policy provides a temporary replacement car if yours is in an accident. This keeps your school runs and work commutes on track.
  • Roadside Assistance: Having breakdown support included (like with AMI) or added cheaply ensures you aren't stuck on the side of the road with kids.
  • Glass Cover: Look into whether windscreen chips or cracks can be covered with zero excess, as family cars frequently pick up stray gravel on daily commutes.

If you like, I can help outline specific questions to ask these insurers about temporary transport add-ons to see which policy best protects your family's daily routine.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

We have kids and rely on our car for school and work. Which NZ car insurers should I look at?

AI Overview

For families who rely on their vehicle for work and school runs, the best New Zealand car insurers balance reliable comprehensive cover, family-friendly perks (such as child seat replacement or key cover), and solid claims support.

Top NZ Insurers to Look At

  • AA Insurance : Consistently ranked high for customer trust in New Zealand, they offer comprehensive plans with a lifetime repair guarantee on authorized repairs, 24/7 claims support, and optional rental car or windscreen cover.

  • Tower Insurance : Known for flexibility and digital ease, Tower's comprehensive policies include features like child seat coverage (up to set limits), 2-year new-for-old replacement on newer cars, and zero excess for garage theft.

  • AMI Insurance : Strong for everyday family utility, AMI provides comprehensive options featuring standard accidental windscreen damage cover, key replacement, and access to free or discounted roadside rescue.

  • State Insurance : Frequently recognized for value, State provides practical benefits like temporary transport or accommodation allowances if your car is out of action during an accident, which helps keep a busy household moving.

Key Tips for Families

  • List All Drivers : If your children are or will soon be driving your car, you must list them on the policy. Failing to disclose young drivers ("fronting") can result in declined claims or a voided policy.

  • Check Child Seat and Key Cover : If you keep expensive child/booster seats in the car, look for policies that cover child seat replacement in an accident (such as Tower). Key replacement cover is also useful if school bags or keys get lost.

  • Compare Quotes Online : Prices vary heavily depending on your exact car model, neighborhood, and history. Use free comparison tools like Quashed or Glimp to run side-by-side quotes before committing.

If you share your car's make and model and whether you have teen drivers in the house, I can give you more specific details on who tends to offer the best fit.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

We have kids and rely on our car for school and work. Which NZ car insurers should I look at?

When you have a family and rely on your vehicle for the daily school run and work commutes, losing your car isn’t just an inconvenience—it completely disrupts your household. For families, you want to look at insurers that balance a strong claims reputation, reliable support, and practical policy features (like temporary rental car cover if yours is in the shop).

Here are the top car insurance providers in New Zealand to look at, based on consumer trust, service, and market standing:

  • AA Insurance : Consistently voted one of New Zealand's most trusted general insurance providers, they score very high for customer satisfaction during claims. They offer strong comprehensive cover, lifetime repair guarantees on authorized repairs, and optional roadside assistance—which is a lifesaver when juggling kids and school drop-offs.

  • Tower : Known for offering flexible, highly comprehensive policies with great digital tools for managing your policy. They feature handy add-ons or inclusions like excess-free key replacement, and you can manage quotes and claims easily online. [MoneyHub NZ]

  • AMI & State: Two of the most established household names in New Zealand. While their premiums can sometimes sit a bit higher, they have extensive physical and digital networks across the country, making it easy to drop in or get support quickly. They also frequently run promotional signup offers (like digital Prezzy cards).

  • FMG (Farmers Mutual Group) : Frequently top-ranked in Consumer NZ satisfaction surveys for offering a more personal, community-focused touch. If you are rurally or provincially based on the fringe of towns/cities, their service culture focuses heavily on getting things sorted without a hassle.

  • Cove : A newer digital-first insurer that frequently ranks as one of the more cost-effective options on comparison platforms. They offer flexible month-to-month or annual structures, though it's worth checking their specific age restrictions or driver exclusions if older teenagers in the family might occasionally drive the car. [MoneyHub NZ]

Key Features to Check for Family Cars:

  • Rental Car Cover : Check if a temporary replacement car is included or can be added as an affordable option if your car is unpayable or stolen—essential when you have school runs to manage.

  • Agreed vs. Market Value : Consider choosing an agreed value so you know exactly payout-wise what you'd get to replace the family wagon if it's written off, rather than arguing over fluctuating market rates.

  • Named Drivers vs. Any Driver : If you have teenage or young adult drivers in the house, make sure they are declared on the policy. "Fronting" (saying an adult is the main driver when it's actually a teen) can void your claim.

To help narrow this down, let me know:

  • Do you need rental car cover included if your car is out of action?
  • Will any teenage or young drivers be using the car?
  • Do you prefer managing everything fully online or having a physical branch/person to talk to?
Ask anything

Captured 11 October 2026