--- title: "Every question, every answer, every source" publisher: "Onsomble Limited" publication: "NZBrands.ai" edition: 1 collected_on: "2026-10-11" html_url: "https://nzbrands.ai/research/insurance/car-insurance/evidence/" --- # Every question, every answer, every source Edition 1 · answers collected 11 October 2026. [Read on NZBrands.ai](https://nzbrands.ai/research/insurance/car-insurance/evidence/) 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. ## Evidence inventory | Measure | Value | | --- | --- | | questions | 183 | | answers saved, of 732 planned | 728 | | consumer situations | 12 | | named regions | 16 | | AI platforms | 4 | ## Data downloads ### Questions 183 rows. One row per question, with its exact saved wording. Columns: Question ID, source references, question, consumer situation, named regions, question group and collection setting. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/questions.csv) ### Answers 728 rows. One row per captured answer, with its full text. Columns: Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/answers.csv) ### Sources by answer 4213 rows. One row per website recorded as a source of an answer. Columns: Answer ID, question ID, assistant, collection setting, website and publisher type. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/sources.csv) ### Checks against primary sources 96 rows. One row per stated assertion checked, for one platform. Columns: Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/checks.csv) ### Consumer recommendation coding 301 rows. One row per reviewed provider role in a consumer-selection answer. Columns: Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/consumer-recommendation-coding.csv) ### Consumer selection membership 48 rows. One row per answer in the matched consumer-selection comparison. Columns: Answer ID, question ID, consumer, platform, question group and full text; the same twelve questions per platform. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/consumer-selection-membership.csv) ### Ongoing support coding 49 rows. One row per reviewed named-provider role in an eligible support answer. Columns: Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/support-coding.csv) ### Ongoing support membership 32 rows. One row per answer in the actual consumer-support group. Columns: Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/support-membership.csv) ### Regional recommendation coding 440 rows. One row per reviewed provider role in a region-named selection answer. Columns: Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/regional-recommendation-coding.csv) ### Regional selection membership 64 rows. One row per answer in the matched regional comparison. Columns: Answer ID, question ID, named consumer region, platform and equal-comparison membership; sixteen questions per platform. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/regional-selection-membership.csv) ### Insurer sentiment 1926 rows. One row per unique saved claim about an insurer in a selection answer. Columns: Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/insurer-sentiment.csv) ### Recorded source URLs 6056 rows. One row per recorded answer, website and URL association. Columns: Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text. [Download CSV](https://nzbrands.ai/data/insurance-car/editions/1/downloads/source-urls.csv) ## Every question and its captured answers Each linked Markdown document contains the complete captured answers. Region names belong to the question wording; all answers use a New Zealand collection setting. Missing answers remain missing. | Reference | Question | Consumer situation | Issue | Collection setting | | --- | --- | --- | --- | --- | | [B-T01-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8186efe3-f64d-49be-ab83-72fa754095d3.md) | Do I actually need car insurance in New Zealand, and what are the consequences of having none? | No consumer situation described | Understanding the need | New Zealand | | [B-T01-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/830a699f-d113-403c-b179-270a46c7d901.md) | What's the difference between third-party and comprehensive car insurance in NZ? | No consumer situation described | Exploring options | New Zealand | | [B-T01-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/deee9b50-4afb-4d0f-bb2d-1cadfbe27a4d.md) | What should I decide about my car and my driving before choosing insurance? | No consumer situation described | Choosing cover | New Zealand | | [B-T02-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3df21df1-f549-4a85-a7e2-5ee14f4b9c12.md) | Does comprehensive car insurance cover anything other than damage to my own car? | No consumer situation described | Choosing cover | New Zealand | | [B-T02-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/89cdd0ec-f10d-4a4b-a225-f03912915c41.md) | How do car insurers differ on windscreen, roadside support, courtesy cars and agreed value? | No consumer situation described | Comparing insurers | New Zealand | | [B-T02-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/201e4017-e0e9-41d2-b27a-ca05b29279cd.md) | What major exclusions should I understand before deciding between NZ car policies? | No consumer situation described | Checking the details | New Zealand | | [B-T03-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bd38c9ff-1220-4034-ba17-db5d3a80ad8e.md) | What affects a New Zealand car insurance premium besides the make and model? | No consumer situation described | Understanding the need | New Zealand | | [B-T03-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0c4189c5-2200-495b-bed1-ed564c67a4e7.md) | When I'm comparing car quotes, how much should I care about agreed value and the excess? | No consumer situation described | Choosing cover | New Zealand | | [B-T03-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/51273471-f95f-4230-9697-866842a91ebf.md) | If two car quotes are $200 apart, what should I check before taking the cheaper one? | No consumer situation described | Comparing insurers | New Zealand | | [B-T04-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2f51133f-78b8-4dcf-a201-275b3aa7a71e.md) | Which car insurance companies are worth comparing in NZ? | No consumer situation described | Comparing insurers | New Zealand | | [B-T04-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9e18f0f4-4025-42ed-921d-bb13f82ddc2a.md) | What NZ car insurance brands are frequently worth considering for comprehensive cover? | No consumer situation described | Comparing insurers | New Zealand | | [B-T04-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/4bfd0e16-b36f-4dca-a7df-259e6d8e3ecb.md) | Shortlist New Zealand car insurers for a mainstream driver and explain the trade-offs. | No consumer situation described | Buying and switching | New Zealand | | [B-T05-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/94dd4ad8-9437-48c0-bfe5-8c03bca07e34.md) | What should I compare when choosing comprehensive car insurance in NZ? | No consumer situation described | Comparing insurers | New Zealand | | [B-T05-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b1578752-73fe-4a43-af6c-4fc76b142950.md) | What matters most when deciding between two car insurers? | No consumer situation described | Comparing insurers | New Zealand | | [B-T05-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0a7586ba-03e4-45f8-8aa6-736c4c676033.md) | If two motor insurers look similar, how do I make a final, evidence-based choice? | No consumer situation described | Buying and switching | New Zealand | | [B-T06-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/4ebfef66-b25b-4af6-9446-3326cc11a9be.md) | What happens after a car accident when I claim through my NZ insurer? | No consumer situation described | Understanding the need | New Zealand | | [B-T06-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8bb96653-2e93-494d-a5b8-39b569d15d20.md) | Do NZ car insurers let you choose your own repairer, and what happens if they write the car off? | No consumer situation described | Comparing insurers | New Zealand | | [B-T06-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/50395f40-c817-4266-9afb-ff98d53b7e74.md) | Which car insurers have a good reputation for handling claims, and where can I check? | No consumer situation described | Checking the details | New Zealand | | [B-T07-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0c2f7607-6c10-460e-aa9d-08b44a0eb165.md) | Which parts of getting NZ car insurance can be completed online without a phone call? | No consumer situation described | Choosing cover | New Zealand | | [B-T07-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/014cdea4-bd9a-4637-a09b-ec9ac063aaed.md) | How do I find a car insurer that offers reliable help when I need it after an accident? | No consumer situation described | Comparing insurers | New Zealand | | [B-T07-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/13497aba-707b-47aa-b352-a6ee9af23a56.md) | What signs indicate a motor insurer has good day-to-day customer service? | No consumer situation described | Checking the details | New Zealand | | [B-T08-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/29f31178-54f4-452d-b631-c6f9d8e5bc8d.md) | How should I check whether a NZ car insurer has a credible customer-service reputation? | No consumer situation described | Choosing cover | New Zealand | | [B-T08-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/075f454f-53f2-4586-98d2-cb42def760d9.md) | What do complaints and dispute decisions tell me about motor insurers, and what don't they tell me? | No consumer situation described | Checking the details | New Zealand | | [B-T08-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/dd2ab2ac-b52b-4da7-aab9-c400ea87491c.md) | What would be sensible trust checks before I move my car insurance to a different company? | No consumer situation described | Checking the details | New Zealand | | [B-T09-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/647484fe-f89e-4ff4-a8d9-c5670a0344c7.md) | Does NZ comprehensive car insurance normally cover a car damaged by flooding or hail? | No consumer situation described | Understanding the need | New Zealand | | [B-T09-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/eee598ea-de29-4069-906c-e28553004e28.md) | What should I compare if I park a car outside in a storm-prone part of NZ? | No consumer situation described | Choosing cover | New Zealand | | [B-T09-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/71722978-04ae-4b4d-b239-8a0e230a43af.md) | How can I check whether weather-related vehicle losses have special exclusions or excesses? | No consumer situation described | Checking the details | New Zealand | | [B-T10-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f1371a3f-888b-45a6-88c9-af0d65e96470.md) | How is agreed value different from market value in New Zealand car insurance? | No consumer situation described | Choosing cover | New Zealand | | [B-T10-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5091594f-6e6b-464f-83d3-80179428aace.md) | How should a car owner select insured value when the car's resale price is uncertain? | No consumer situation described | Understanding the need | New Zealand | | [B-T10-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a5528a09-1d7d-421b-8148-96355ad92a23.md) | If my car is written off, how does agreed value or market value change what I get paid? | No consumer situation described | Comparing insurers | New Zealand | | [B-T11-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c9b4ec22-7f16-43a0-b6af-f6e321207549.md) | How do NZ car insurers assess modified, imported or unusually valuable vehicles? | No consumer situation described | Understanding the need | New Zealand | | [B-T11-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/21d85a2b-3994-4958-b9db-dc5190c3b814.md) | What should I do if my driving history means car insurers quote very high premiums? | No consumer situation described | Choosing cover | New Zealand | | [B-T11-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8acaa53b-1cc5-48de-bdb9-aeb20a82604f.md) | How do I compare options for a car that standard insurers may not cover? | No consumer situation described | Exploring options | New Zealand | | [B-T12-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ea9be66f-cbf2-46cc-abd3-39aa540ec1ba.md) | What should I do when my NZ car renewal increases substantially? | No consumer situation described | Ongoing support | New Zealand | | [B-T12-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e009c50c-4021-4f13-82ec-7b3b7613909c.md) | Is it better to stay with my motor insurer or switch for a lower price? | No consumer situation described | Ongoing support | New Zealand | | [B-T12-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0eb33cda-36cf-4ac8-8e43-c39e7c95d868.md) | What dates, claims and cover details should I check before changing car insurers? | No consumer situation described | Buying and switching | New Zealand | | [B-T13-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6f7845ab-1394-419e-ad54-bbc8b974398a.md) | How can my bank sell me car insurance if it isn't an insurance company? | No consumer situation described | Exploring options | New Zealand | | [B-T13-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92e526a4-795a-41b0-a5ee-756bf3f34acd.md) | Do different car insurance brands in New Zealand sometimes lead to the same underwriter? | No consumer situation described | Checking the details | New Zealand | | [B-T13-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5cf6d714-bf27-4163-af26-c5e9ef15f29b.md) | Should I get car cover from a broker, a bank-branded channel or an insurer directly? | No consumer situation described | Buying and switching | New Zealand | | [B-T14-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/05f35778-131c-4e3e-bd02-a57ed22e9757.md) | My car insurance claim was declined. Who can I complain to? | No consumer situation described | Ongoing support | New Zealand | | [B-T14-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ee81e122-d7fa-49fe-b1bb-5940022390f2.md) | Who can help resolve a car insurance dispute if the insurer's internal process fails? | No consumer situation described | Ongoing support | New Zealand | | [B-T14-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6238a52d-d4a9-41cb-87bf-ca4496fd8727.md) | How should I document an argument about a car repair or write-off settlement? | No consumer situation described | Ongoing support | New Zealand | | [B-T15-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/272cc27d-2eb8-43de-b4e9-40192459a939.md) | How can I verify a chatbot's claim that a NZ car insurer includes roadside assistance? | No consumer situation described | Checking the details | New Zealand | | [B-T15-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/95d29d87-d6fa-4a11-9905-7254e7a7b252.md) | What official documents should I check to compare current car policy features? | No consumer situation described | Checking the details | New Zealand | | [B-T15-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bc92970b-5837-4d2b-b3d5-23bfcd770db5.md) | How can I spot outdated online comparisons of car insurance underwriters in NZ? | No consumer situation described | Checking the details | New Zealand | | [B-T16-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/64280738-cf16-464b-b237-0a9a912ce1e4.md) | Does a multi-car or household policy usually beat separate NZ car insurance quotes? | No consumer situation described | Exploring options | New Zealand | | [B-T16-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/840009db-d44b-431c-9746-b639c9b30643.md) | How do I judge car-insurance bundle deals when the home policy has different terms? | No consumer situation described | Comparing insurers | New Zealand | | [B-T16-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fd96f692-4623-4223-917d-1b1d09ee1c2a.md) | If my household has three different drivers, what is the best way to compare combined cover? | No consumer situation described | Buying and switching | New Zealand | | [S-P01-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/382358a5-4994-4768-8b72-2fc360e830d0.md) | We drive a standard family car. Which NZ insurers should we approach for comprehensive quotes? | Everyday family car | Comparing insurers | New Zealand | | [S-P01-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e966f140-aa52-43da-aa0f-1f321907388d.md) | What is worth paying extra for on mainstream NZ car insurance? | Everyday family car | Choosing cover | New Zealand | | [S-P01-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/312267c7-f12d-4ac9-8a92-92632aa71870.md) | How would you compare two car insurers on cover, claims support and excess for our family? | Everyday family car | Buying and switching | New Zealand | | [S-P01-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fe075725-4391-4380-9d38-545c5d4c2f6f.md) | Our car policy is renewing. What's a practical stay-or-switch checklist? | Everyday family car | Ongoing support | New Zealand | | [S-P02-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f25eb690-571f-4bcb-a34f-fe636bf1e66f.md) | I've just bought my first car in NZ and don't understand the insurance choices. Where do I start? | First car | Understanding the need | New Zealand | | [S-P02-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8735668e-7bd2-4edf-a261-9cb1abdb70b2.md) | Explain what I'm giving up if I choose third-party only instead of comprehensive. | First car | Choosing cover | New Zealand | | [S-P02-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/70a675a0-babd-4610-a064-6d99e6861913.md) | Which NZ car insurers are worth quoting for a first-time insurance buyer? | First car | Comparing insurers | New Zealand | | [S-P02-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c5f312ae-25db-437c-ad6a-ab0095dbea11.md) | I'm buying my first car policy today. How should I pick among three quotes? | First car | Buying and switching | New Zealand | | [S-P03-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/07fcff59-8fa8-46ab-a1db-77b7342fe7d0.md) | My household budget is stretched. How can I cut car insurance costs sensibly? | Tight budget | Choosing cover | New Zealand | | [S-P03-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ad3b509-11e7-4428-b3fb-34f1b261960e.md) | What would changing from comprehensive to third-party actually expose me to? | Tight budget | Choosing cover | New Zealand | | [S-P03-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c4301bb9-203e-42ec-9562-95bfe2dd888d.md) | The cheapest car quote has a higher excess and covers less. Is it really worth saving the money? | Tight budget | Buying and switching | New Zealand | | [S-P03-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2656dbe0-e0ca-4e3e-af2b-fb40d211eddf.md) | My car premium rose sharply. What steps should I take before renewing or cancelling? | Tight budget | Ongoing support | New Zealand | | [S-P04-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8a893808-f91b-4fe3-a103-0ff7bfc24387.md) | I'm relocating cities for work. Will my address or parking situation affect car insurance? | Renting and moving | Understanding the need | New Zealand | | [S-P04-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c76ae3b0-7163-4543-9749-d866a8d94a50.md) | Can I still get car cover if the car is garaged at a shared flat but registered elsewhere? | Renting and moving | Choosing cover | New Zealand | | [S-P04-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e3500bb0-9610-49ab-888d-847492aded89.md) | What should I check if my flatmate sometimes drives my insured car? | Renting and moving | Choosing cover | New Zealand | | [S-P04-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/65ee6d3d-be35-42df-ab76-29c76ba759cb.md) | I'm moving and changing my car insurer. When should each policy start and stop? | Renting and moving | Ongoing support | New Zealand | | [S-P05-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/379900c2-5c48-46db-be23-a123f36d10da.md) | I'm newly independent and drive to work every day. What insurance risks should I understand? | Young driver | Understanding the need | New Zealand | | [S-P05-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5c378d2b-559b-42af-a2ee-c6b69e68e4bd.md) | How can a younger driver keep premiums affordable without losing essential cover? | Young driver | Choosing cover | New Zealand | | [S-P05-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/5826740e-5c35-44fc-a040-b85e261ae128.md) | What digital features are useful if I want to quote, update and claim on car insurance online? | Young driver | Choosing cover | New Zealand | | [S-P05-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ed7f0aa-2f70-4031-88ec-27fb688db334.md) | Which factors should drive my decision between three comprehensive car quotes? | Young driver | Buying and switching | New Zealand | | [S-P06-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/392ec172-a7a0-4184-97c3-6f2fb3953818.md) | We have two family cars and occasional young-driver use. Is combined cover a good idea? | School and work trips | Comparing insurers | New Zealand | | [S-P06-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6ad4d66e-0df6-4f47-8f39-e7e9d44cd45d.md) | How should we value two vehicles and choose excesses for a family motor policy? | School and work trips | Choosing cover | New Zealand | | [S-P06-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/23c0f51b-4a9e-4569-94f9-e1a1fe8b04ae.md) | What claims support would matter if a family car became unusable after an accident? | School and work trips | Checking the details | New Zealand | | [S-P06-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/51c563ee-21b2-4360-9d9b-74aa6dcc817f.md) | Should we insure both cars with one provider or choose the best policy for each? | School and work trips | Buying and switching | New Zealand | | [S-P07-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/458986fe-5083-4f32-88fd-798c5a370529.md) | I drive long distances on rural NZ roads. What storm, gravel and roadside risks should I insure? | Rural driving | Choosing cover | New Zealand | | [S-P07-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b62e2fc3-2a5d-45fc-b769-5c03a602c7d6.md) | Can insurers restrict cover for a ute used both privately and for occasional farm errands? | Rural driving | Choosing cover | New Zealand | | [S-P07-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bfb4a65c-29fe-4024-9d89-9f404daa4349.md) | Should I use a rural adviser or a direct car insurer for a rural household vehicle? | Rural driving | Exploring options | New Zealand | | [S-P07-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c8e61856-341e-4093-bfae-ae23b72a8420.md) | How would you compare roadside help, replacement vehicle benefits and repair access for rural motorists? | Rural driving | Buying and switching | New Zealand | | [S-P08-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/800c8293-b8d7-4756-a98f-512350fbf432.md) | Our car is parked near the coast and exposed to severe storms. Which insurance risks matter? | Flood-prone parking | Choosing cover | New Zealand | | [S-P08-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ac410b04-6d4d-40d5-b403-f0d8f536a7c5.md) | How do car insurers treat flooding when a vehicle is parked, driven into water or submerged? | Flood-prone parking | Choosing cover | New Zealand | | [S-P08-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9270e957-caf6-4e4b-8b1d-0215998ab24d.md) | If my car is flooded and written off, will my insurance help pay for a replacement? | Flood-prone parking | Choosing cover | New Zealand | | [S-P08-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bb34d8fd-4759-45f9-9b81-61d50b0e3f1e.md) | How should we compare NZ car insurers for high weather exposure rather than ordinary crash risk? | Flood-prone parking | Buying and switching | New Zealand | | [S-P09-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/137a4f9c-fd60-4557-b8bd-3a954b871950.md) | I have a rare or high-value vehicle. Should I use agreed value, a specialist policy or standard comprehensive cover? | Imported car | Choosing cover | New Zealand | | [S-P09-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b58057af-4e6b-49e9-bc19-a38b2739cb6d.md) | What makes imported or modified high-value cars difficult to insure in New Zealand? | Imported car | Choosing cover | New Zealand | | [S-P09-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3f5cf892-27ee-49d1-a5d8-e4b65e2634ce.md) | I've got an imported car and worry about repair parts. Which insurers will let me use a specialist repairer? | Imported car | Choosing cover | New Zealand | | [S-P09-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f25d8fb4-f320-46f6-b51b-3263e3ffb522.md) | Which trade-offs justify a specialist motor insurer over a cheaper mainstream option? | Imported car | Buying and switching | New Zealand | | [S-P10-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9ea6fac2-9885-4ad8-8329-07ab7cce340a.md) | My last car insurance claim was a nightmare. How do I find an insurer that's easier to deal with? | After a frustrating claim | Checking the details | New Zealand | | [S-P10-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d219fec5-077b-480a-8f77-88f2507b3058.md) | Do car insurers get lots of complaints, and how can I compare them fairly? | After a frustrating claim | Checking the details | New Zealand | | [S-P10-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c2de88bd-a995-40b5-a706-be56bb362ff1.md) | What are my dispute options if a repair or write-off settlement seems wrong? | After a frustrating claim | Ongoing support | New Zealand | | [S-P10-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/8a5e45ec-ddae-443e-a592-72f91822edde.md) | Should I pay more for a motor insurer with better documented claims support? | After a frustrating claim | Buying and switching | New Zealand | | [S-P11-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/cf6b53cb-efe1-479e-96e5-07818316efa7.md) | If I need help after a car accident, which NZ motor insurers provide a practical human contact route? | Someone to call | Choosing cover | New Zealand | | [S-P11-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/318fb506-4c52-4895-bac4-b82ce39a348e.md) | How can I test whether roadside and claim phone support is available when needed? | Someone to call | Checking the details | New Zealand | | [S-P11-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/247d9e92-c36a-4a8f-a0d5-230168f73109.md) | Would an adviser help me compare car cover, or would a direct insurer be enough? | Someone to call | Exploring options | New Zealand | | [S-P11-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/30c828fa-2c5e-4555-a4e9-1a6a2e70fc8e.md) | I prefer phone support. Should that affect which car insurer I choose? | Someone to call | Buying and switching | New Zealand | | [S-P12-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/96ecc1df-1fe7-404b-9684-e6d111af4f59.md) | Which NZ car insurers let me get a quote, buy, update drivers and lodge claims online? | Managing insurance online | Choosing cover | New Zealand | | [S-P12-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ca2951e-b661-4a4c-880e-975bda49b3de.md) | How can I verify whether roadside help or a courtesy car is actually included when buying online? | Managing insurance online | Checking the details | New Zealand | | [S-P12-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/98c85b65-7c8e-438d-99ea-b03770ae0398.md) | How do I switch motor insurers online safely when my current policy renews? | Managing insurance online | Ongoing support | New Zealand | | [S-P12-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/26d1fd15-ec5a-4eb6-a5e0-e85deaee0c89.md) | One car insurer has a much better app but worse cover. What should I do? | Managing insurance online | Buying and switching | New Zealand | | [M-T04-M-00](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f72380c9-214b-4d1a-a242-2b1c824dbc13.md) | Which NZ car insurers should I look at? | No consumer situation described | Comparing insurers | New Zealand | | [M-T04-M-P01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/37999598-3736-47f3-8321-fbd9a878ae55.md) | We have a family car that we use every day. Which NZ car insurers should I look at? | Everyday family car | Comparing insurers | New Zealand | | [M-T04-M-P02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e530ca60-c2cb-442c-93c9-2b41fcf86a6e.md) | I've just bought my first car and need insurance. Which NZ car insurers should I look at? | First car | Comparing insurers | New Zealand | | [M-T04-M-P03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3562a898-a4b4-4d3a-bb22-87cbb7fd2c05.md) | My budget is tight and I need affordable car insurance. Which NZ car insurers should I look at? | Tight budget | Comparing insurers | New Zealand | | [M-T04-M-P04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/aff232f4-9785-40a7-9fc4-b73d6628b435.md) | I'm a renter and move home quite often. Which NZ car insurers should I look at? | Renting and moving | Comparing insurers | New Zealand | | [M-T04-M-P05](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f1410212-2ef9-40f0-96d9-47f3d4245c28.md) | I'm a young driver arranging insurance on my own for the first time. Which NZ car insurers should I look at? | Young driver | Comparing insurers | New Zealand | | [M-T04-M-P06](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f5a9cc77-266e-4cb0-a846-2ca6e6aea5d7.md) | We have kids and rely on our car for school and work. Which NZ car insurers should I look at? | School and work trips | Comparing insurers | New Zealand | | [M-T04-M-P07](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/68aa5648-1e09-4d0c-8e28-443b8c37d86d.md) | I live rurally and drive long distances. Which NZ car insurers should I look at? | Rural driving | Comparing insurers | New Zealand | | [M-T04-M-P08](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d3fa4ce3-bd53-412a-9bb8-ff965aef6845.md) | My car is often parked in an area that floods. Which NZ car insurers should I look at? | Flood-prone parking | Comparing insurers | New Zealand | | [M-T04-M-P09](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/0f7c8f63-da79-48ec-9e82-e27cfe7e6d62.md) | I have an imported car that needs specialist parts. Which NZ car insurers should I look at? | Imported car | Comparing insurers | New Zealand | | [M-T04-M-P10](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d4515bcb-fe9f-4197-a156-45d2482640e3.md) | I had a frustrating car insurance claim last year. Which NZ car insurers should I look at? | After a frustrating claim | Comparing insurers | New Zealand | | [M-T04-M-P11](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d40631a9-7254-4935-acbc-f6daebbbf839.md) | I want to be able to call someone when my car has a problem. Which NZ car insurers should I look at? | Someone to call | Comparing insurers | New Zealand | | [M-T04-M-P12](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fb2d05c8-0f13-416a-9565-9d05dbe4b615.md) | I want to buy and manage car insurance online. Which NZ car insurers should I look at? | Managing insurance online | Comparing insurers | New Zealand | | [RG-NL-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3f74d849-4851-44ea-83dd-f52509f001fa.md) | I live in Northland and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-NL-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e906e12a-a442-4361-9292-6f7b9af4fcc5.md) | My car is usually parked in Northland. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-AK-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f10a2f82-d292-4f00-a36f-c48df1fabbcf.md) | I live in Auckland and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-AK-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/45f545a7-294b-41da-af4c-8117663a90f7.md) | My car is usually parked in Auckland. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-WK-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b9e55768-b291-4b4f-bc24-70826060ab96.md) | I live in Waikato and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-WK-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/38f8a137-993f-43d5-b378-5817467a16f3.md) | My car is usually parked in Waikato. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-BP-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ffa1cbb-cbcd-463a-aaaa-55dcca56d72e.md) | I live in the Bay of Plenty and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-BP-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92e94e53-6b4b-4270-b593-96a759586934.md) | My car is usually parked in the Bay of Plenty. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-GS-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/68acd02d-743d-4622-b54b-cc27917ba7d6.md) | I live in Gisborne and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-GS-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/42e49195-b946-4c19-b7bf-94e06b96fe07.md) | My car is usually parked in Gisborne. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-HB-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/13899224-9ebd-4219-b3be-c38f3d51f0db.md) | I live in Hawke's Bay and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-HB-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ebb44369-355d-4af7-a02b-bc6c51887ca1.md) | My car is usually parked in Hawke's Bay. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-TK-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a1b4a8f5-b864-420e-b81b-cc756dc1c35c.md) | I live in Taranaki and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-TK-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f8987782-c397-45c9-b23d-be0843d71ff0.md) | My car is usually parked in Taranaki. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-MW-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ffbc38fe-bd75-4509-b898-f783ffe19b12.md) | I live in Manawatū–Whanganui and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-MW-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9f0d5349-c776-4bbd-96a2-423a47179ae8.md) | My car is usually parked in Manawatū–Whanganui. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-WG-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a1837c2c-2877-41fa-ae16-0e811f99b3d5.md) | I live in Wellington and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-WG-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fc7e25d2-d70b-4697-b8eb-ba6f03501b0d.md) | My car is usually parked in Wellington. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-NS-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/e911fdb7-91f2-4b66-a873-78f367a0eb67.md) | I live in Nelson and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-NS-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9614a603-ff36-49f5-9091-602fed660b4e.md) | My car is usually parked in Nelson. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-TS-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bfc69221-f301-4f9e-b7ee-983ecd32973b.md) | I live in Tasman and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-TS-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3053250f-0e93-4538-b580-c3f0d1ff0f76.md) | My car is usually parked in Tasman. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-MB-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/4a21c751-9dfb-48ea-8f8d-44c3ea141932.md) | I live in Marlborough and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-MB-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fb96505a-2bd7-4eea-bbce-4058df007830.md) | My car is usually parked in Marlborough. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-WC-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ad632cbc-8b73-4021-8ad9-fa745885da9b.md) | I live in the West Coast and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-WC-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/700c99d3-b827-4e2c-88a1-9d9e44fa42b0.md) | My car is usually parked in the West Coast. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-CA-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3ebc3ff7-c079-4109-b5ce-75dd549321c5.md) | I live in Canterbury and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-CA-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/fb60313f-5f63-4b6b-986a-62094f819504.md) | My car is usually parked in Canterbury. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-OT-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d4da0780-5d13-4209-9491-08f08ebda78f.md) | I live in Otago and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-OT-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/b6c3cf61-5e1f-4009-8d76-0837427e61d3.md) | My car is usually parked in Otago. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RG-SL-M01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/82f58180-6ca0-4bee-8e59-4b8e6e09a284.md) | I live in Southland and need car insurance. Which companies are worth comparing? | No consumer situation described | Comparing insurers | New Zealand | | [RG-SL-M02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7171ce08-adb7-47ff-b823-7644364122d2.md) | My car is usually parked in Southland. Could where I live change what car insurance I need? | No consumer situation described | Choosing cover | New Zealand | | [RD-NL-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/f8ce9bbd-99e6-45a7-a8ad-b097824348bf.md) | A storm has cut off the main road near my home in Northland. If my car is damaged, how will I get it repaired or towed? | No consumer situation described | Ongoing support | New Zealand | | [RD-AK-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/df725838-0bb4-4310-b704-8d592c46f500.md) | My parked car was damaged in the Auckland floods. The insurer wants to repair it, but I'm worried it's a write-off. What can I do? | No consumer situation described | Ongoing support | New Zealand | | [RD-HB-10](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/1358cb37-1aff-4d83-8f22-391b31b56289.md) | My car was damaged in a storm in Hawke's Bay and the claim is taking months. The insurer won't tell me when I'll get my car back. What can I do? | No consumer situation described | Ongoing support | New Zealand | | [RD-TK-11](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/200962a7-a288-4d83-8038-f4c984139e37.md) | I live in Taranaki. Would car insurance cover damage from volcanic ash if Taranaki Maunga erupted? | No consumer situation described | Choosing cover | New Zealand | | [RD-OT-23](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/6c9f4cd6-997b-4feb-96ab-c2d2e0db4d14.md) | My car was damaged near Queenstown, but the roads to the repairer are closed. Can the insurer help with towing or a rental car? | No consumer situation described | Ongoing support | New Zealand | | [RD-SL-24](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ab915210-35c7-49ba-beb4-f07d60cf5dc2.md) | My car was flooded in Southland. The insurer wants it repaired miles away and I can't get there easily. What can I do? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7bd71614-aeb4-49ad-b574-5e5f3d6a2d19.md) | I've just had a car crash and I think the other driver was at fault. What do I need to do for insurance? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/597c5cf9-e623-4cb9-a915-236e7616b8e5.md) | My car's been stolen. Do I contact the police or the insurer first, and what happens next? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2d3fbaad-7a8f-4486-b659-da4e9253c66e.md) | My car has been at the repair shop for weeks waiting for parts. Can I get any help with transport? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/73a38eaf-63a5-4332-a90e-c2d16cb75c0b.md) | What reliable information can distinguish good motor-claims communication and repair completion from promotional claims, selective online reviews or an insurer's unsupported averages? | No consumer situation described | Checking the details | New Zealand | | [CL-M-05](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/cae2d810-dd8f-4220-9252-acbc1e37707f.md) | My insurer says I shouldn't have driven through floodwater and won't pay for the damage. What can I do? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-06](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/62bb7e6b-97a8-4c5f-a04f-5e82d92f969e.md) | The other driver says the crash was my fault, but I disagree. How will my insurer decide who pays? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-07](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/03df1472-462a-4c53-9365-6af23286f86f.md) | My insurer wants to write off my car. How do I know if the payout they're offering is fair? | No consumer situation described | Buying and switching | New Zealand | | [CL-M-08](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/61c13237-7fb8-43db-8582-59647c41c23a.md) | My car has been written off, but the payout won't cover what I still owe on the loan. What happens now? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-09](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/539d6c4d-5ea4-47d8-a6c5-047ecc9d7d92.md) | The repairer fixed my car through insurance, but it still doesn't feel safe. Who can I get to check it? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-10](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a32f6ded-f714-47bd-bb2f-dc80656811dd.md) | I can't get to work while my car is being repaired. Will my insurance pay for a rental car? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-11](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92fcf378-c72b-4534-a47b-0db15c457e12.md) | My car claim was turned down because they say I didn't declare something. How do I challenge that? | No consumer situation described | Ongoing support | New Zealand | | [CL-M-12](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7284567c-ae8a-4ed7-913e-600e21e1cde0.md) | Can I identify which NZ car insurers actually achieve better repair and settlement outcomes from independent evidence, or are the available public measures too incomplete to rank them? | No consumer situation described | Checking the details | New Zealand | | [DP-P01-M-K](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/3b10b720-3fc1-47c1-b795-943a40fa3e01.md) | Someone crashed into our family car while it was parked. Why does our insurer say we might have to pay an excess? | Everyday family car | Ongoing support | New Zealand | | [DP-P02-M-V](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a87f6511-eda2-43a7-b3ff-134022a83135.md) | I've just insured my first car and my friend sometimes borrows it. Would they be covered if they had an accident? | First car | Choosing cover | New Zealand | | [DP-P03-M-A](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d551119a-d361-4f3e-96fc-3ba1f9757e67.md) | I missed a monthly car insurance payment because money was tight. Is my car still insured, and what should I do now? | Tight budget | Buying and switching | New Zealand | | [DP-P04-M-K](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c0a43957-bb0a-4c59-bd39-7687b41095e8.md) | My car was damaged at our old flat just before we moved. Which address matters when I tell the insurer about the claim? | Renting and moving | Ongoing support | New Zealand | | [DP-P05-M-V](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/587ab080-0a0a-4793-89e7-1388d9ea14fa.md) | I use my car to make a few paid deliveries outside my main job. Do I need to tell my car insurer? | Young driver | Choosing cover | New Zealand | | [DP-P06-M-A](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/48eb51fd-d947-41ed-a7e8-07736dc79dbe.md) | We need two cars for work and school, but insuring both fully is expensive. Could we choose different levels of cover? | School and work trips | Buying and switching | New Zealand | | [DP-P07-M-K](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/dc409ecc-2217-479a-b83c-0a4b37513a59.md) | Our car was damaged on a gravel road and the insurer's repairer is hours away. Will they help us get the car there? | Rural driving | Ongoing support | New Zealand | | [DP-P08-M-V](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/c7fe64d6-cab4-48ee-8a34-acd72af008c4.md) | We live close to the sea and salt spray has damaged our car over time. Would comprehensive car insurance cover that? | Flood-prone parking | Choosing cover | New Zealand | | [DP-P09-M-A](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/33869ea3-53a1-4cc3-af3a-6abac5c91c4d.md) | My imported car would be expensive to replace. How can I keep the premium reasonable without ending up with a payout that's too low? | Imported car | Buying and switching | New Zealand | | [DP-P10-M-K](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/a935c984-c34f-4a73-a0aa-cf4b8fa096e8.md) | Our last car insurer hardly gave us updates during repairs. Can we ask a new insurer about claim updates and repair guarantees before signing up? | After a frustrating claim | Ongoing support | New Zealand | | [DP-P11-M-V](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/92ae0a6d-24eb-4e89-848b-7a05647378a4.md) | I prefer dealing with someone over the phone. Can an insurer explain whether I'd get a courtesy car if mine was being repaired? | Someone to call | Choosing cover | New Zealand | | [DP-P12-M-A](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/da387d47-00c0-40ca-8df5-6b78fcac55c3.md) | The car insurance website showed one price, but paying monthly costs more. How do I compare the total price properly? | Managing insurance online | Buying and switching | New Zealand | | [DI-M-A-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/2bba0f9f-cbe2-4a62-85c3-c81baabb7ce1.md) | I work irregular hours and car insurance has become hard to budget for. What are my options to stay covered? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-A-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/ebfc0af2-21ca-44b4-8ffe-7e0702ead4f5.md) | My car isn't worth much but I still owe money on it. Would third-party insurance leave me exposed? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-A-03](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/d6ebf774-1fb5-422f-aeb3-4350660e312a.md) | Why does my car insurance quote change so much when I put in a different address? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-A-04](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/7b72349e-affd-49bf-aa6c-7bbfd5769795.md) | I don't have any emergency savings. Is choosing a bigger car insurance excess to save money a bad idea? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-A-05](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/1c439d94-9650-4afe-8bd4-a38d1dbd77d9.md) | Does paying my car insurance monthly normally cost more than paying for the whole year? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-A-06](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/bea4c5d2-512d-45b2-b957-b687bc8457e2.md) | My car premium went up after I made a claim. What can I do when it's time to renew? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-A-07](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/07ce1360-b511-4bd4-bf19-7b82ca4490c1.md) | We have one good family car and one old runabout. Could we insure them differently to keep the cost down? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-A-08](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/deec46cf-62a8-4790-b113-86c6a1e66a73.md) | I need my car for work but can't afford the renewal. Is cancelling car insurance my only option? | No consumer situation described | Choosing cover | New Zealand | | [DI-M-V-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/16be10b6-6402-4d9e-8f49-997615a8add1.md) | My teenager has a learner licence and sometimes drives our car with me. Do I need to change our insurance? | No consumer situation described | Checking the details | New Zealand | | [DI-M-V-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9425edb0-36fa-496e-8d5c-2879c0e58058.md) | My car has aftermarket wheels and a different stereo. Are those covered if they're stolen or damaged? | No consumer situation described | Checking the details | New Zealand | | [DI-M-K-01](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/9f7a783d-1a82-41f3-af13-0577bc1a56fc.md) | The other driver's insurer wants me to settle the crash directly with them. Should I still tell my own car insurer? | No consumer situation described | Ongoing support | New Zealand | | [DI-M-K-02](https://nzbrands.ai/research/insurance/car-insurance/editions/1/questions/16cac41c-95da-4aed-a111-25a8edde5e50.md) | My car was repaired after a crash, but I think it's worth less now. Can I claim anything for the drop in value? | No consumer situation described | Ongoing support | New Zealand | ## Evidence reviewed by hand 96 statements: [Assertions checked against primary sources](https://nzbrands.ai/research/insurance/car-insurance#accuracy) 112 answers: [Consumer and regional selection answers with reviewed insurer recommendations](https://nzbrands.ai/research/insurance/car-insurance#choosing) 12 consumers: [Each consumer situation’s questions and answers, on its own page](https://nzbrands.ai/research/insurance/car-insurance#situations) ## What this can and cannot tell you The results describe saved AI answers to designed questions collected for this study. The consumer situations are not a population sample, and the journey groups do not track real consumers over time. Regional differences describe the answers to region-named questions with a New Zealand collection setting. Recommendation frequency is not market share, actual quotation prices or measured claims performance. The study shows what the assistants said, with the original answers available to inspect; the factual audit covers selected statements rather than every claim. [Read the complete methodology](https://nzbrands.ai/research/insurance/car-insurance/method.md) ## Publication and corrections Published and funded by Onsomble Limited. [Independence](https://nzbrands.ai/about/independence/) · [Corrections](https://nzbrands.ai/about/corrections/) · [Contact](https://nzbrands.ai/about/contact/)