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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 want to buy and manage car insurance online. Which NZ car insurers should I look at?

If you want to buy car insurance and manage everything online in New Zealand, I’d start with Cove, Tower, AA Insurance, AMI and State. They’re established options to compare, with online quoting and varying levels of online policy management. The best value depends on your car, your driving history, where the car is kept and the level of cover you want. Car Insurance Policy Comparison - AMI vs AMP vs AA vs State vs Tower and moreCar Insurance Comparison NZ | Compare Quotes

NZ car insurers worth comparing

1. Cove Insurance

Best starting point for online-first service

Cove is designed around digital self-service. You can get a quote and buy online, then use My Cove to view and manage policies 24/7. It also offers live chat. Car, Home, Contents & Pet Insurance

Good for: people who prefer to handle insurance without phone calls.

Get a quote at Cove

2. Tower Insurance

Tower offers online quotes, three levels of car cover and online policy and claims management through its website. Its comprehensive policy includes benefits such as new-car replacement for eligible vehicles within the first two years. Car Insurance NZ - Quick Quote & Buy OnlineHouse, Car, Contents Insurance & More

Good for: comparing a range of cover levels and extra benefits.

Get a quote at Tower

3. AA Insurance

AA Insurance offers online quotes, three main cover levels, online claims and policy services. Comprehensive cover includes agreed-value cover and a lifetime repair guarantee, subject to policy terms. AA members may qualify for discounts. AA Car and Vehicle Insurance

Good for: people who value repair guarantees and established support.

Get a quote at AA Insurance

4. AMI

AMI lets you get quotes, check policy details, manage payments and make or track claims online. Comprehensive car cover also includes roadside rescue, subject to terms and conditions. AMI Insurance NZ

Good for: combining car insurance with other personal insurance policies.

Get a quote at AMI

5. State Insurance

State offers online quotes, online claims and 24/7 policy management through its app or online account. Roadside rescue and excess-free glass cover are available as optional extras. Third Party Car Insurance | Quote & Buy Online

Good for: a straightforward online account and optional add-ons.

Get a quote at State

Two more worth a look

How I'd compare them

Canstar's 2026 research recognised State, AA Insurance, AMI and Tower for outstanding value across its assessed driver profiles. Cove is also worth including if online self-service is your priority. These results aren't a guarantee of the cheapest quote for you. Compare Car Insurance Policies and Providers in NZCanstar New Zealand's Best Value Car Insurance Awards

When requesting quotes, compare the same cover across insurers:

What to compare Why it matters
Annual premium and monthly payments Check the total annual cost, including any payment fees.
Excess How much you pay towards a claim.
Agreed vs. market value How your car's insured value is determined.
Theft, weather and accidental damage Check what's covered and the exclusions.
Online policy changes and claims Make sure you can do the tasks you need without calling.
Repairer choice and replacement car Useful practical benefits that differ by policy.

For a first pass, get quotes from Cove, State and AA Insurance, then compare AMI and Tower before deciding. Read the policy wording as well as the headline price.

I can narrow this down for you

The best shortlist depends quite a bit on your car and the type of cover you want.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I want to buy and manage car insurance online. Which NZ car insurers should I look at?

When looking to buy and manage car insurance completely online in New Zealand, several key providers stand out for their streamlined digital portals, quick online quoting, and easy policy management.

The top New Zealand car insurers to consider include:

1. Digital-First & Tech-Focused Insurers

  • Cove Insurance:
    • The Vibe: A digital-first Kiwi insurer built specifically to skip the paperwork and brick-and-mortar legacy systems.
    • Online Experience: Very fast, straightforward online quoting (usually under a couple of minutes) and management through the My Cove portal.
    • Key Perks: Often competitive pricing, good comprehensive inclusions (like key and lock replacement), and zero-excess options for specific no-fault scenarios.

2. Major Established Direct Insurers (Fully Online Capable)

  • Tower Insurance:
    • The Vibe: An NZX-listed insurer that transitioned heavily into modern, data-driven online platforms.
    • Online Experience: Excellent, streamlined digital quoting and the My Tower app/portal for 24/7 self-service and messaging.
    • Key Perks: Frequently ranks high for comprehensive benefits (such as generous excess-free key replacements and lifetime guarantees on approved repairs for as long as you own the vehicle).
  • AMI & State Insurance:
    • The Vibe: Two of New Zealand’s largest direct insurers (both underwritten by IAG New Zealand).
    • Online Experience: Fully digital quoting, purchasing, and policy adjustments via their respective websites or mobile apps (My AMI), alongside chatbot and live chat support.
    • Key Perks: Comprehensive plans frequently bundle or offer valuable extras like roadside assistance, digital reward promotions (e.g., Visa card promos), and safe-driver discount incentives for young drivers.

3. Motoring & Partner Brands

  • AA Insurance:
    • The Vibe: A household name in New Zealand motoring (a joint venture with Vero/Suncorp).
    • Online Experience: While they have physical centres, their online quote and buy process is very rapid, and policy administration can be managed seamlessly online or via the My AA Insurance app.
    • Key Perks: Known for strong customer trust ratings and a lifetime repair guarantee on authorized repairs.
  • Trade Me Insurance:
    • The Vibe: A partnership-based insurance brand tailored heavily to New Zealand's largest online marketplace ecosystem.
    • Online Experience: Highly digital-native, clean, and straightforward.
    • Key Perks: Often features specific policy discounts if you are an active Trade Me member.

What to Look Out For When Buying Online:

  1. Agreed Value vs. Market Value: Check how the insurer values your car in a total write-off scenario. Some let you lock in an "Agreed Value" online, while others default to "Market Value" at the time of the claim.
  2. Excess Customization: Online calculators let you play with your excess (the amount you pay upfront on a claim). Raising your excess lowers your monthly/annual premium, but make sure it’s an amount you can comfortably afford in an emergency.
  3. Optional Add-ons: Watch out for default toggles during the online check-out process. Features like Roadside Assistance, Rental/Courtesy Car cover, and Windscreen/Glass cover are sometimes optional extras that you can add or opt out of to tailor your price.

Recommendation: Because car insurance quotes in NZ heavily depend on your specific vehicle model, age, parking location, and driving history, it is best to visit 2 or 3 of these insurer websites (e.g., Cove, Tower, and AA Insurance or AMI) to run quick side-by-side quotes for your exact car.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I want to buy and manage car insurance online. Which NZ car insurers should I look at?

AI Overview

For buying and managing car insurance online at the country level in New Zealand, you have excellent digital-first options and established major brands with robust online portals. Leading choices include Cove Insurance , Tower Insurance , AA Insurance , State Insurance , and AMI Insurance.

Digital-First & Challenger Brands

  • Cove Insurance: As a digital-first, paperless provider, Cove Insurance allows you to complete an online quote in roughly two minutes. Their online portal, My Cove , lets you manage your policy details, adjust excess parameters, and file claims 24/7 entirely from your phone or browser. Independent consumer analysis by MoneyHub NZ frequently lists Cove as a highly competitive option on price without omitting key comprehensive coverages.

Established Major Insurers

  • Tower Insurance: An NZX-listed domestic giant, Tower Insurance heavily emphasizes automated online claims processing, stating that over 87% of online car claims are approved instantly. They offer an easy-to-use digital dashboard to review documents and request updates online.

  • AA Insurance: A highly trusted household brand backed by a joint venture between Vero and the NZAA. The AA Insurance Portal delivers full capability to purchase coverage online, retrieve saved quotes, and track current vehicle claims alongside potential member benefits.

  • State Insurance: Underwritten by IAG New Zealand, State Insurance offers a standardized, feature-rich web portal and a specialized mobile application. Your secure single login works seamlessly across both platforms to update personal info, process payments, or file a claim.

  • AMI Insurance: Also underwritten by IAG, AMI Insurance provides the My AMI desktop dashboard and dedicated app to view paperwork digitally, tweak cover tiers, and handle your policy entirely online.

Comparison Overview

Insurer Key Online Features Online Incentives (Varies by Promo Period)
Cove 2-minute mobile quotes; paperless My Cove 24/7 dashboard. Frequent sign-up promos such as 1 month free.
Tower High automated instant approval rate for digital claims. Digital discounts for buying new policies online.
AA Insurance Consolidated logging for multiple vehicle policies & memberships. Highly rated customer satisfaction incentives.
State My State portal & mobile app sync seamlessly with MFA security. Regular online checkout rewards (e.g., digital gift cards).
AMI My AMI app manages claims, payments, and paperless setups. Perks like free Roadside Rescue often included online.

To narrow down your options, tell me:

  • What level of cover are you looking for (Comprehensive, Third Party, etc.)?

  • What is the approximate age of the primary driver?

  • Are you looking to bundle this with house or contents insurance?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I want to buy and manage car insurance online. Which NZ car insurers should I look at?

When looking to buy and manage car insurance entirely online in New Zealand, several standout insurers feature robust digital self-service portals, apps, and instant quote-to-buy capabilities:

  • AA Insurance — Highly rated for customer satisfaction, allows you to quote, buy, chat via live support, and manage your policy completely online. They offer standard tiers (Comprehensive, Third Party Fire & Theft, Third Party) alongside perks like a Lifetime Repair Guarantee.

  • Tower Insurance — Known for a very modern, streamlined digital experience where you can buy online, manage policies, and track claims. Tower also underwrites Trade Me Insurance, another popular online-first alternative.

  • State Insurance — Operates heavily online and via the State app, enabling you to adjust policies, add drivers, make payments, and track claims digitally 7 days a week.

  • Cove Insurance — A newer, app-and-web native disruptor in the NZ market that has gained a lot of traction for competitive digital pricing, flexible monthly/annual structuring, and quick online setups.

  • Bank-partnered options (like ASB or Westpac) — If you already bank digitally in NZ, you can often quote, buy, and bundle car insurance directly through your existing internet banking or mobile apps.

If you share details like your car's make/model , age , and whether you want comprehensive or basic cover , I can help narrow down which of these providers typically offer the best value or specific benefits for your situation.

Ask anything

Captured 11 October 2026