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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 Taranaki. Could where I live change what car insurance I need?

Yes. In New Zealand, where your car is normally kept can affect what insurance you need and what you pay, although it is only one factor among many. Insurers commonly consider the vehicle’s location (the “garaging address”), along with the car, drivers, claims history, cover level and other risk factors. MAS

For a car usually parked in Taranaki, factors that may be relevant include:

  • Rural vs urban use: A vehicle kept in a smaller town or rural area may have a different risk profile from one kept in a high-traffic urban area. More traffic, theft exposure and repair costs can affect premiums. MAS
  • Where the car is parked: A locked garage, secure parking, alarm, or other security measures may be relevant when an insurer assesses risk. Consumer Protection
  • Weather and environmental risks: Some locations have different exposure to events such as flooding, storms, or other hazards, which can affect insurance pricing depending on the insurer’s assessment. AA Insurance
  • How you use the car: If it is mainly for commuting, farming/rural driving, business use, or frequent long-distance travel, that can change the type of cover that makes sense and may affect the premium. AA Insurance

Your address generally does not determine the type of policy by itself. The main choice is usually based on how much financial protection you want:

  • Comprehensive: Covers damage to your own car as well as damage you cause to others’ property (subject to the policy). Often worth considering for newer or higher-value vehicles. Consumer NZ
  • Third party, fire and theft: Covers damage you cause to others plus certain losses such as theft or fire.
  • Third party only: Covers damage you cause to others, but not repairs to your own car. Consumer NZ

If your car is normally parked in Taranaki but your insurance lists a different address, it is worth checking with your insurer. You generally need to keep details such as where the vehicle is usually kept accurate, because changes in circumstances can affect a policy. Consumer Protection

If you tell me:

  • the year/make/model and approximate value of the car,
  • whether it is garaged or parked outside,
  • how often it is driven (daily commute vs occasional use),
  • and whether you want lowest cost or stronger protection,

I can help you think through what level of cover is likely to fit.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

My car is usually parked in Taranaki. Could where I live change what car insurance I need?

Yes, where your car is routinely parked and kept overnight can definitely influence your car insurance. In New Zealand, car insurance is heavily risk-based, and insurers look closely at both your regional location and your specific overnight parking setup.

How Taranaki and Parking Affect Your Policy

  • Regional Risk Profile: Insurers evaluate regional statistics such as local vehicle theft rates, accident frequencies, population density, and weather or natural hazard risks. Generally, less densely populated regions or specific towns experience different claims histories compared to major metropolitan centers like Auckland, which can affect your overall premium calculation.
  • Overnight Parking Security: Insurers will specifically ask where the vehicle is kept between dusk and dawn. Parking a car in a locked garage, a secure off-street driveway, or a private carport typically lowers the perceived risk of theft, vandalism, or weather damage compared to parking on a public street.
  • Policy Terms and Accuracy: Providing accurate details is critical. If your policy states the car is normally parked in a secure garage in Taranaki, but it is regularly left on the street—or if you relocate the vehicle temporarily or permanently—you must notify your insurer. Failing to update your parking details or address can create complications or even jeopardize a claim if an incident occurs.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

My car is usually parked in Taranaki. Could where I live change what car insurance I need?

AI Overview

Yes, keeping your car parked in Taranaki can change the specific risk coverage you need and will heavily influence your premium. Under New Zealand's unique system, car insurance is not a legal requirement, but your location alters your exposure to specific environmental and regional risks.

While New Zealand’s Accident Compensation Corporation (ACC) automatically covers personal medical injuries from accidents via your vehicle registration fee, it does not cover any damage to your car or other people’s property.

Regional Factors for Taranaki

If your vehicle is primarily kept in Taranaki, you should factor in these regional conditions when selecting your coverage level:

  • Volcanic and Seismological Risks: Taranaki sits on a volcanic risk zone. Standard Comprehensive Insurance policies usually cover sudden natural disasters (like ash damage or earthquakes), but you must verify that your policy includes full "Natural Disaster" clauses without restrictive exclusions.

  • Corrosive Coastal Air: If you live near the coast (e.g., New Plymouth or Opunake), constant salt spray increases corrosion and rust risks. While insurance doesn't cover gradual wear and tear, it makes maintaining the physical integrity of the car essential for satisfying policy conditions.

  • Lower Theft Risks vs. Major Cities: Taranaki generally sees fewer vehicle thefts and lower traffic density compared to major hubs like Auckland or Wellington. This localized data means your premiums may be lower than if the same vehicle were parked in a metropolitan center.

Choosing the Right Level of Coverage

Because your location dictates premium costs and risk exposure, you should evaluate which of New Zealand's three main insurance tiers fits your asset value:

Policy Type What it Covers Best For...
Comprehensive Damage to your car, third-party properties, fire, theft, and natural disasters. New, financed, or high-value vehicles.
Third Party, Fire & Theft Only covers damages you cause to others, plus your car if it is stolen or catches fire. Mid-value cars where full coverage is too costly.
Third Party Only Strictly covers damage you cause to someone else's car or property. Low-value, older cars ("runabouts") to prevent financial ruin if you hit a luxury vehicle.

To help find the exact fit for your vehicle, could you let me know:

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

  • Will it be parked in a secured garage, a carport, or on the street?

  • Are you looking for the lowest cost possible , or total protection against natural events?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

My car is usually parked in Taranaki. Could where I live change what car insurance I need?

Yes, where your car is parked and regularly kept in Taranaki directly affects the cost and specific risk factors calculated in your car insurance policy, even though the core types of coverage available across New Zealand remain the same.

While location doesn't legally change the types of insurance products you can buy (such as Third Party, Third Party Fire and Theft, or Comprehensive cover), it heavily influences your premium pricing and terms.

How Location Impacts Your Car Insurance

  • Theft and Vandalism Rates: Insurers assess regional statistics for vehicle crime. Areas with higher reported break-ins or car thefts command higher premiums.

  • Accident and Traffic Density: Urban centers with heavy traffic congestion experience more minor collisions than rural or regional districts, altering the baseline risk profile.

  • Weather and Environmental Risks: Parking a car in a zone prone to coastal rust, severe storms, flooding, or slips means insurers factor regional weather perils into the cost.

  • Parking Security: Whether your car is parked on the street, in an open driveway, or locked in a garage overnight in Taranaki changes your risk tier with providers like Tower or other New Zealand insurers.

Types of Car Insurance to Consider in New Zealand

  • Comprehensive Cover: Protects against accidental damage to your own car, theft, fire, and damage you cause to other people's vehicles or property.

  • Third Party, Fire and Theft: Covers damage you cause to other people's property, plus protects your own car if it catches fire or is stolen.

  • Third Party Only: The bare minimum safety net that only covers damage you cause to other vehicles or property, leaving your own car unprotected.

If you'd like, share:

  • Whether your car is parked on the street, in a driveway, or in a locked garage
  • The make and model of your vehicle

I can help you evaluate which level of insurance coverage fits your situation best.

Ask anything

Captured 11 October 2026