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. Some describe a consumer situation or name a region; all were collected with a New Zealand setting. Open a question to read every captured answer in full.
Showing 20 of 183 questions
Do I actually need car insurance in New Zealand, and what are the consequences of having none?
No consumer
Understanding the need
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What's the difference between third-party and comprehensive car insurance in NZ?
No consumer
Exploring options
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What should I decide about my car and my driving before choosing insurance?
No consumer
Choosing cover
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
Does comprehensive car insurance cover anything other than damage to my own car?
No consumer
Choosing cover
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
How do car insurers differ on windscreen, roadside support, courtesy cars and agreed value?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What major exclusions should I understand before deciding between NZ car policies?
No consumer
Checking the details
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What affects a New Zealand car insurance premium besides the make and model?
No consumer
Understanding the need
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
When I'm comparing car quotes, how much should I care about agreed value and the excess?
No consumer
Choosing cover
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
If two car quotes are $200 apart, what should I check before taking the cheaper one?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
Which car insurance companies are worth comparing in NZ?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What NZ car insurance brands are frequently worth considering for comprehensive cover?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
Shortlist New Zealand car insurers for a mainstream driver and explain the trade-offs.
No consumer
Buying and switching
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What should I compare when choosing comprehensive car insurance in NZ?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What matters most when deciding between two car insurers?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
If two motor insurers look similar, how do I make a final, evidence-based choice?
No consumer
Buying and switching
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
What happens after a car accident when I claim through my NZ insurer?
No consumer
Understanding the need
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
Do NZ car insurers let you choose your own repairer, and what happens if they write the car off?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
Which car insurers have a good reputation for handling claims, and where can I check?
No consumer
Checking the details
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
Which parts of getting NZ car insurance can be completed online without a phone call?
No consumer
Choosing cover
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
How do I find a car insurer that offers reliable help when I need it after an accident?
No consumer
Comparing insurers
Answered by ChatGPT, Gemini, Google AI Mode, AI Overviews
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
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
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
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
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
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
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
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.