Search studies, brands and more…⌘ KExplore research

P10 · one of twelve consumer profiles

After a difficult claim

“Our previous insurance claim was difficult and we want better support.”

questions
12
captured answers
48
AI platforms
4
collected
11 October 2026
01 · Questions and answers

Read what this household asked.

Open a question to compare the complete captured answers about home or contents insurance.

  • S-P10-H-01

    Checking the details

    My last home insurance claim was really stressful. Which insurers are better to deal with when something goes wrong?

    4 answersRead the answers to S-P10-H-01

  • S-P10-H-02

    Checking the details

    Where can I find trustworthy information about how house insurers handle complaints?

    4 answersRead the answers to S-P10-H-02

  • S-P10-H-03

    Ongoing support

    If another home claim is rejected, what complaint and external review options exist in NZ?

    4 answersRead the answers to S-P10-H-03

  • S-P10-H-04

    Buying and switching

    Given my past claim problems, how should I prioritise service over the lowest house premium?

    4 answersRead the answers to S-P10-H-04

  • S-P10-C-01

    Checking the details

    My previous contents claim was badly handled. What claims questions should I ask a new insurer?

    4 answersRead the answers to S-P10-C-01

  • S-P10-C-02

    Checking the details

    My last contents insurer was terrible when I claimed. How do I find out if another company is any better?

    4 answersRead the answers to S-P10-C-02

  • S-P10-C-03

    Ongoing support

    How can I challenge a dispute about replacement value or proof of ownership?

    4 answersRead the answers to S-P10-C-03

  • S-P10-C-04

    Buying and switching

    I'm worried about making another contents claim. What should I look for before choosing a new insurer?

    4 answersRead the answers to S-P10-C-04

  • M-T04-H-P10

    Comparing insurers

    My last house insurance claim was a nightmare. Which NZ house insurers should I look at?

    4 answersRead the answers to M-T04-H-P10

  • M-T04-C-P10

    Comparing insurers

    I had a bad experience with a contents claim. Which NZ contents insurers should I look at?

    4 answersRead the answers to M-T04-C-P10

  • DP-P10-H-A

    Buying and switching

    Our insurer increased our house premium and excess after we made a claim. Can we move to another insurer without losing cover?

    4 answersRead the answers to DP-P10-H-A

  • DP-P10-C-V

    Choosing cover

    Our last contents claim was rejected because of a limit we didn't know about. How can we check whether a new policy has the same catch?

    4 answersRead the answers to DP-P10-C-V
02 · Insurers recommended

Which insurers AI recommended to this household

Across 4 home and 4 contents selection answers. The separate product comparisons follow below.

Answers recommending each insurer, out of 8

  • Tower8 of 8 answers
  • AA Insurance8 of 8 answers
  • MAS7 of 8 answers
  • FMG7 of 8 answers
  • AMI5 of 8 answers
  • State5 of 8 answers
  • Initio3 of 8 answers
  • Trade Me Insurance1 of 8 answers
  • Cove1 of 8 answers

  • ChatGPT

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • MAS
    • FMG
    • AMI
    • State
    • Initio
    • Trade Me Insurance (never named)
    • Cove

  • Gemini

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • MAS
    • FMG
    • AMI
    • State
    • Initio
    • Trade Me Insurance
    • Cove (never named)

  • Google AI Mode

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • MAS
    • FMG
    • AMI
    • State
    • Initio
    • Trade Me Insurance (never named)
    • Cove (never named)

  • AI Overviews

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • MAS
    • FMG
    • AMI (never named)
    • State (never named)
    • Initio (never named)
    • Trade Me Insurance (never named)
    • Cove (never named)
03 · Home insurer choice

Home insurance: which insurers AI recommended

4 captured answers to “My last house insurance claim was a nightmare. Which NZ house insurers should I look at?”

Showing all four assistants · 4 answers

Home insurance: which insurers AI recommended: for each consumer and insurer, the share of answers recommended for the insurer and how the claims about it split, across all four assistants.
ConsumerTowerAA InsuranceMASFMGAMIStateInitioTrade Me Insurance
After a difficult claim
04 · Contents insurer choice

Contents insurance: which insurers AI recommended

4 captured answers to “I had a bad experience with a contents claim. Which NZ contents insurers should I look at?”

Showing all four assistants · 4 answers

Contents insurance: which insurers AI recommended: for each consumer and insurer, the share of answers recommended for the insurer and how the claims about it split, across all four assistants.
ConsumerTowerAA InsuranceMASFMGAMIStateInitioCove
After a difficult claim
05 · What AI told this household

The recommendations and the reasons behind them.

Home insurance: AA Insurance was recommended in 4 of 4 answers; FMG was recommended in 4 of 4 answers; MAS was recommended in 4 of 4 answers; Tower was recommended in 4 of 4 answers; AMI was recommended in 3 of 4 answers.

Contents insurance: AA Insurance was recommended in 4 of 4 answers; Tower was recommended in 4 of 4 answers; FMG was recommended in 3 of 4 answers; MAS was recommended in 3 of 4 answers; AMI was recommended in 2 of 4 answers.

The ongoing-support group contains 8 saved answers about an existing policy or claim. None prefers a named insurer to provide that support.

06 · Sources

Where the answers to this household came from

The websites each assistant drew on, and what kind of publisher they are. Pick a question group to compare the websites.

ChatGPT

42%government

Had sources12of 12

Showed you a link12of 12

  1. 1consumer.org.nz, consumer & industry groups,cited in 9 answers9
  2. 2consumerprotection.govt.nz, government,cited in 9 answers9
  3. 3icnz.org.nz, consumer & industry groups,cited in 8 answers8
  4. 4govt.nz, government,cited in 6 answers6
  5. 5fma.govt.nz, government,cited in 5 answers5
  6. 6mas.co.nz, insurer websites,cited in 5 answers5
  7. 7nzcrs.govt.nz, government,cited in 5 answers5
  8. 8ombudsman.parliament.nz, government,cited in 5 answers5
  9. 9fscl.org.nz, consumer & industry groups,cited in 4 answers4
  10. 10ifso.nz, consumer & industry groups,cited in 4 answers4

Gemini

37%comparison & tools

Had sources12of 12

Showed you a link0of 12

  1. 1canstar.co.nz, comparison & tools,cited in 5 answers5
  2. 2quotehub.co.nz, comparison & tools,cited in 4 answers4
  3. 3aainsurance.co.nz, insurer websites,cited in 3 answers3
  4. 4cab.org.nz, consumer & industry groups,cited in 3 answers3
  5. 5consumerprotection.govt.nz, government,cited in 3 answers3
  6. 6insurancebusinessmag.com, news,cited in 3 answers3
  7. 7insurspy.co.nz, comparison & tools,cited in 3 answers3
  8. 8moneyhub.co.nz, comparison & tools,cited in 3 answers3
  9. 9ifso.nz, consumer & industry groups,cited in 2 answers2
  10. 10aon.co.nz, other,cited in 1 answers1

Google AI Mode

44%consumer & industry groups

Had sources10of 12

Showed you a link8of 12

  1. 1ifso.nz, consumer & industry groups,cited in 4 answers4
  2. 2canstar.co.nz, comparison & tools,cited in 3 answers3
  3. 3consumer.org.nz, consumer & industry groups,cited in 3 answers3
  4. 4icnz.org.nz, consumer & industry groups,cited in 3 answers3
  5. 5fscl.org.nz, consumer & industry groups,cited in 2 answers2
  6. 6insurancebusinessmag.com, news,cited in 2 answers2
  7. 7aainsurance.co.nz, insurer websites,cited in 1 answers1
  8. 8consumerprotection.govt.nz, government,cited in 1 answers1
  9. 9fmg.co.nz, insurer websites,cited in 1 answers1
  10. 10govt.nz, government,cited in 1 answers1

AI Overviews

31%other

Had sources9of 12

Showed you a link6of 12

  1. 1canstar.co.nz, comparison & tools,cited in 6 answers6
  2. 2insurspy.co.nz, comparison & tools,cited in 6 answers6
  3. 3consumer.org.nz, consumer & industry groups,cited in 5 answers5
  4. 4aainsurance.co.nz, insurer websites,cited in 4 answers4
  5. 5mas.co.nz, insurer websites,cited in 4 answers4
  6. 6cab.org.nz, consumer & industry groups,cited in 3 answers3
  7. 7icnz.org.nz, consumer & industry groups,cited in 3 answers3
  8. 8ifso.nz, consumer & industry groups,cited in 3 answers3
  9. 9moneyhub.co.nz, comparison & tools,cited in 3 answers3
  10. 10quotehub.co.nz, comparison & tools,cited in 3 answers3
  • Insurer websites
  • Government
  • News
  • Comparison & tools
  • Consumer & industry groups
  • Businesses
  • Social media
  • Other

A website counts once per answer, however many times the answer used it. 43 of 48 answers have recorded sources.