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

If my household has three different drivers, what is the best way to compare combined cover?

If your household has three different drivers, the best way to compare combined cover in New Zealand is to compare the total cost and protection for all three drivers together, rather than simply choosing the cheapest individual policies.

The right approach depends on whether you have one car shared by three drivers or multiple cars in the household. Insurers can price these situations differently, particularly when drivers have different ages, driving histories, vehicle use and claims records.

How to compare combined car insurance

  1. Compare the same cover for all drivers

Get quotes from at least three insurers with the same vehicles, driver details, cover type, excess and insured values. This makes the price comparison meaningful. Car insurance buying guideCar insurance

  1. Check named-driver rules

Ask whether all three drivers are covered automatically or must be listed, and whether young or inexperienced drivers trigger an additional excess. For example, AMI and AA Insurance have different approaches to driver cover. Do I Have To List Every Driver On My Car Policy?Who is covered to drive my car?

  1. Compare individual policies against a household package

If you have multiple cars, request both separate quotes and a combined quote from each insurer. Check the actual annual total rather than assuming a multi-policy discount will apply; discounts and eligibility vary. ASB Home & Contents InsuranceMulti-policy discount

  1. Compare what happens when you claim

Check the standard and additional excesses, agreed versus market value, windscreen cover, replacement-car benefits and whether an at-fault claim affects a no-claims discount. Car insurance buying guideCar insurance

Where to start comparing in New Zealand

Let’s narrow down the best option for your household

One detail makes a big difference to which policies you should compare first.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

If my household has three different drivers, what is the best way to compare combined cover?

When a household has three different drivers (especially if they span different age groups, experience levels, or use multiple vehicles), comparing combined or multi-car cover requires a strategic approach.

The best way to evaluate and compare your options is to break the process down into four practical steps:

1. Map Out Your Household's Core Variables

Before gathering quotes, clearly define how your household operates:

  • The Vehicles vs. Drivers Ratio: Do you have three cars (one for each driver), or do all three drivers share access to one or two vehicles?
  • Driver Risk Profiles: Insurers heavily base premiums on age, licence type (full, restricted, or learner), and claims history. Identify if any of the three drivers is under 25 or holds a restricted licence, as this dramatically impacts costs.
  • Named vs. Any Driver Policies: Check whether it is cheaper to list all three drivers on every vehicle, or to assign specific drivers to specific cars and restrict other vehicles.

2. Compare Multi-Policy / Multi-Car Discounts vs. Standalone Policies

Many major insurers offer multi-policy or multi-car discounts if you bundle vehicles under a single provider. However, a bundle isn't automatically the cheapest option.

  • The "Split" Approach: One driver with a poor driving record or a high-risk demographic (e.g., a youthful driver) can heavily inflate the quote for the entire bundle. Sometimes, keeping that specific driver/vehicle on a separate standalone policy with a specialized insurer yields a lower total household cost.
  • The Action Plan: Get quotes both ways—once for a single provider covering all vehicles/drivers, and once splitting them up based on who gets the best individual rates.

3. Use Online Comparison Tools and Direct Insurers

To get a broad baseline without filling out a dozen separate forms:

  • Aggregation Tools: Utilize online comparison platforms (like Quashed’s Market Scan or similar local insurance tools) to quickly check multiple providers side-by-side.
  • Direct Quotes from Major NZ Insurers: Contact or visit key providers (such as AA Insurance, AMI, State, and Tower). Be sure to explicitly ask them how they handle multi-car or multi-policy discounts.

4. Look Beyond the Base Premium (Fine Print)

When comparing combined cover, a cheaper bottom-line price can sometimes hide costly exclusions:

  • Excess Structures: Check what the standard excess is, and note if a steep "young driver excess" or "restricted licence excess" is automatically slapped onto any of your three drivers.
  • Named Driver Restrictions: If you opt for a cheaper "named driver only" policy to save money, ensure that nobody outside of those named names ever drives the car, or any claims risk being declined.
  • Added Benefits: Compare value-adds like rental car cover after an accident, windscreen replacement, or a longer new-for-old replacement period if you drive a newer vehicle.

Are all three drivers sharing the same vehicles, or does each driver have their own car?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

If my household has three different drivers, what is the best way to compare combined cover?

AI Overview

The best way to compare combined cover for three different drivers is to evaluate a Multi-Car policy against separate individual policies while maintaining a single "Main Driver" profile for shared single vehicles.

In New Zealand, car insurance is typically assigned to the vehicle rather than the individual driver. This means your core comparison strategy rests on how those three drivers interact with the household's vehicles.

1. Identify Your Household Structure

Before gathering quotes, you must group your comparison into one of two scenarios:

  • Scenario A: Multiple Drivers, One Shared Car
    You cannot buy a "combined policy" for one car. You must list one primary driver (the person who drives the vehicle most often) and add the other two as named drivers.

  • Scenario B: Multiple Drivers, Multiple Cars
    This is where true "combined cover" applies. You should obtain a quote for a Multi-Policy / Multi-Car discount (combining all vehicles under one insurer like State, AMI, or Tower) and compare it against three entirely separate single-car policies.

2. The Direct Comparison Framework

When comparing quotes across major New Zealand insurers, use this structured framework to find the best deal:

Comparison Metric Multi-Car Combined Policy Separate Individual Policies
Premium Cost Usually Lower. Most Kiwi insurers offer a 10%–15% multi-policy discount. Usually Higher overall , but can be cheaper if drivers have vastly different risk profiles.
Excess Structure Standard Policy Excess applies, but individual "under 25" or "inexperienced driver" excesses will still load on top if that specific driver is at fault. Isolated Excess. An accident caused by a high-risk driver won't affect the excess or no-claims bonus of the other household vehicles.
Administration Simple. One renewal date, one premium payment account, and one portal to manage. Complex. Three separate payment schedules and renewal dates to track annually.

3. Step-by-Step Action Plan to Compare

To get accurate comparison numbers, execute these steps:

  1. Map Driver Risk Profiles: Note down the age and license type (Learner, Restricted, or Full) for all three drivers. If any driver is under 25, they will drastically alter the premium.

  2. Gather Single Policies First: Use digital insurance platforms or tools like the Quashed Insurance Dashboard to source baseline quotes for each vehicle/driver combination independently.

  3. Request Multi-Car Quotes: Contact mainstream providers directly to ask for bundled household pricing.

  4. Check the "Main Driver" Clause: Ensure you accurately declare who drives which car the most. Misrepresenting a high-risk driver (e.g., a 17-year-old) as an occasional driver when they are actually the primary user is called "fronting" and can invalidate your policy.

To help me calculate the most effective strategy or identify potential policy discounts for your household, could you tell me:

  • How many vehicles are you trying to insure among the three drivers?

  • Are any of the drivers under the age of 25 or holding a Learner/Restricted license?

  • Do you currently have house or contents insurance that could be bundled into a multi-policy discount?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

If my household has three different drivers, what is the best way to compare combined cover?

When insuring a household with multiple drivers and potentially multiple vehicles in New Zealand , comparing your combined cover effectively comes down to understanding how New Zealand insurers handle named drivers versus open driver policies, and running accurate multi-variable quotes.

To compare your combined cover options effectively, use the following approach:

  • Audit your household vehicle and driver profile: Note the age, license type, and driving history of all three drivers, as well as how often each person drives which vehicle. In New Zealand, insurers base risk heavily on the youngest or least experienced regular driver.

  • Understand named vs. open driver policies: Check how different NZ insurers (like AA Insurance, AMI, or Tower) handle unlisted drivers. Some policies automatically cover any licensed driver over 25 with your permission, while others require younger drivers (under 25) to be explicitly named and may apply higher excesses if they are behind the wheel.

  • Request direct online quotes for exact scenarios: Visit independent consumer resource sites like MoneyHub Car Insurance Guide or Canstar Car Insurance Comparison to review market overviews and identify insurers that fit multi-driver households. Then, run quotes directly on insurer websites using the exact details of your household's driving habits.

  • Compare excess structures for younger/additional drivers: Look closely at the policy schedule for "age excesses" or "inexperienced driver excesses." A cheaper base premium might hide a massive additional excess if your youngest or newest driver has an accident.

  • Consolidate under a single provider vs. separate policies: Check whether keeping all cars under one insurance provider (multi-car or household bundle, noting that some specific multi-policy discounts have shifted across the market recently) offers a better combined rate than insuring vehicles separately across different specialized companies. [Canstar NZ]

If you let me know:

  • The number of vehicles your household owns
  • The ages of all three drivers (specifically if any driver is under 25)

I can give you more targeted advice on how to structure your policies to minimize excesses.

Ask anything

Captured 11 October 2026