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Evidence · Home and contents insurance

Every question, every answer, every source

Explore all 372 home and contents insurance questions and the 1,476 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
372
answers saved, of 1488 planned
1476
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 372 questions

Show all 372

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

    372rows

    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

    1,476rows

    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

    9,014rows

    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

    97rows

    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

    659rows

    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; twelve home and twelve contents selection questions, with missing captures preserved

    94rows

    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

    75rows

    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

    71rows

    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

    1,017rows

    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; four home and three contents platform answers per region

    112rows

    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

    3,828rows

    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

    13,048rows

    Download recorded source urls (CSV)

  • Matched consumer platform membership

    platform-membership.csv

    One row per answer in the identical-question platform comparison.

    Answer ID, question ID, product, consumer and platform; 22 identical questions per platform

    88rows

    Download matched consumer platform membership (CSV)

  • Matched regional platform membership

    regional-platform-membership.csv

    One row per answer in the identical-question regional platform comparison.

    Answer ID, question ID, product, region and platform; 31 identical questions per platform

    124rows

    Download matched regional platform membership (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 prefer phone advice. Can I arrange and maintain contents insurance without online-only processes?

Yes. In New Zealand, you can arrange and maintain contents insurance without relying on online-only processes. If you prefer phone advice, look for an insurer that lets you get a quote, speak with a person, make changes to your policy, and renew or cancel by phone.

The important distinction is that an insurer may offer phone support but still require some tasks to be completed online. It's worth checking how the entire policy lifecycle works before you sign up.

New Zealand options worth calling

  1. MAS

Worth contacting

Phone: 0800 800 627

MAS provides contents insurance and phone assistance for policy enquiries and changes. However, some changes use online forms, so ask whether staff can handle your particular needs by phone. Make a change to a Contents PolicyContact us

MAS official website

  1. ASB

Phone: 0800 200 252

ASB explicitly invites customers to call for help choosing contents cover. Claims can also be lodged by phone, although its standard quoting and policy management options include online banking. Ask whether you can complete the application and future changes entirely by phone. Contents Insurance - Get a quote and apply online

ASB contents insurance

  1. Tower

Phone: 0800 379 372

Tower offers phone assistance with policy details and changes, alongside its online policy-management service. Confirm whether new cover, renewals, payments and claims can all be handled without logging in online. Manage Your InsuranceContents Insurance

Tower official website

What to ask when you call

You can use this simple script:

“I'm looking for contents insurance in New Zealand. I prefer to deal with a person by phone rather than use online services. Can I get a quote, take out the policy, pay premiums, make changes, renew it and make claims by phone? Can you also send my policy documents and renewal notices by post?”

Also ask whether you can pay by automatic bank payment or direct debit and whether any online account is compulsory.

Another option: use an insurance broker

A broker may be able to compare policies from different insurers and help arrange cover on your behalf. The New Zealand government's Consumer Protection guidance notes that brokers can help identify risks and compare policies. Insurance

My recommendation: Start with MAS and ASB, and make your requirement for phone-based service clear before discussing prices. I haven't verified that any of these providers will handle every single task offline, so get that confirmed before committing.

One question that would help me narrow this down: Do you want to avoid online processes completely, including email and online documents, or are you happy to receive documents by email as long as a person handles everything by phone?

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I prefer phone advice. Can I arrange and maintain contents insurance without online-only processes?

Yes, you can arrange and maintain contents insurance in New Zealand entirely over the phone without being forced into an online-only process.

Most major insurers in New Zealand maintain robust, fully staffed telephone contact centers specifically designed to handle new quotes, policy setup, ongoing account management, renewals, and claims entirely by voice.

How Phone-Based Management Works

  • Setting Up a New Policy: You can call an insurer's customer service or sales line, provide your details (such as address, security features, and estimated value of your belongings), and a customer service representative will generate a quote, read you the policy wording, and set up the cover on the spot.
  • Ongoing Maintenance & Updates: Making changes—such as updating your sum insured, adding high-value items, changing your payment frequency, or updating your address—can all be managed via telephone.
  • Payment Methods: While insurers often encourage direct debits or credit card setups over the phone, alternative billing arrangements can usually be discussed with an agent.
  • Receiving Documents: If you prefer physical mail over digital emails, many traditional insurers can arrange for your policy schedule, certificate of insurance, and policy wordings to be printed and posted to your postal address.

Major New Zealand Insurers Supporting Phone Channels

Most established nationwide insurers provide dedicated toll-free 0800 numbers for phone-based service:

  • AMI Insurance: 0800 100 200
  • State Insurance: 0800 80 24 24
  • AA Insurance: 0800 500 216 (or general sales/support lines)
  • Bank-associated insurers (such as BNZ or SBS Bank) also allow you to arrange policies via their phone banking or insurance teams.

Note: While you can completely avoid managing your policy online, insurers are legally required to provide formal disclosure statements and policy wordings. If you do not use email, ensure you request that these documents be sent via standard post.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I prefer phone advice. Can I arrange and maintain contents insurance without online-only processes?

AI Overview

Yes, you can absolutely arrange and maintain contents insurance in New Zealand entirely over the phone. While many insurance companies strongly promote their online quote and management portals, the major traditional insurers maintain fully staffed, New Zealand-based telephone contact centres specifically to provide advice, set up new policies, and handle ongoing maintenance.

Major NZ Insurers with Dedicated Phone Services

You can bypass online portals entirely by calling these mainstream providers to discuss your specific needs, get a verbal quote, and buy a policy:

  • AA Insurance: You can call their quote and general queries line at 0800 500 231. Their team operates from 8:00 am to 8:00 pm on weekdays, and 8:00 am to 6:00 pm on weekends.

  • AMI Insurance: You can arrange and manage personal policies by calling 0800 100 200. They are available from 8:00 am to 6:00 pm on weekdays, and 9:00 am to 6:00 pm on weekends and public holidays.

  • State Insurance: You can set up cover or speak to an agent by dialing 0800 80 24 24. Their lines are open from 8:00 am to 6:00 pm Monday through Friday, and 9:00 am to 6:00 pm on weekends.

  • Bank-Insured Options: If you prefer working through a bank, providers like AMP / Vero (0800 267 263), Westpac (0800 639 520), and BNZ (0800 808 618) all offer comprehensive phone-based sign-up and management services.

How to Maintain Your Policy Without the Internet

Once your policy is active, you do not need an online account to manage it. You can perform all essential tasks manually:

  • Making Changes: If you buy new high-value items (like jewelry or expensive electronics) or change your address, you can call your provider's standard 0800 number to update your policy limits.

  • Paying Premiums: Instead of using an online portal, you can pay your premiums over the phone using a credit or debit card. Alternatively, you can ask the agent to set up a recurring Direct Debit from your bank account so payments clear automatically, or pay via automated phone banking.

  • Receiving Documents: Tell the representative over the phone that you prefer physical mail. They will post your policy schedules, renewals, and product disclosure statements directly to your letterbox.

  • Making Claims: If something is damaged or stolen, you can lodge the claim verbally over the phone with a claims representative rather than filling out an online form.

Note: Avoid newer "digital-only" boutique brands (such as Cove), as they are intentionally designed without customer service phone lines and require online management. Stick to established providers like AA, AMI, or State to ensure you always have a phone advisor available.

Would you like help preparing the specific details (such as estimating your contents' value or identifying high-risk items) that a phone agent will ask you when setting up a policy?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I prefer phone advice. Can I arrange and maintain contents insurance without online-only processes?

Yes, absolutely. You can arrange, pay for, and maintain contents insurance entirely over the phone or through traditional offline methods in New Zealand, without needing to rely on online-only portals or digital self-service.

  • Phone-based setup and servicing: Major New Zealand insurers and banks (such as AA Insurance Contact, State Insurance Contact, and ANZ Insurance Support) operate dedicated telephone call centres. You can call them directly to get a quote, apply for cover, update your policy details, and make changes or payments over the phone.

  • In-branch assistance: Many providers—particularly bank-associated insurers like ANZ or ASB—allow you to visit a physical branch to set up and manage your policies in person if you prefer face-to-face interaction over talking on the phone. [ANZ]

  • Traditional mail and paper notices: If you choose not to use online portals like "My AA Insurance" or digital document delivery, you can request that your policy schedules, renewal notices, and annual invoices be sent to you via standard postal mail, and you can pay via phone banking, automatic payment, or cheque (where accepted). [AA Insurance]

  • Note on digital preferences: While insurers strongly encourage online portals for speed, they are legally and operationally required to accommodate phone and postal channels for customers who prefer non-digital options. However, keep in mind that some companies might charge a small processing fee for paper statement delivery or manual phone payments compared to direct debit.

Would you like me to provide the direct phone numbers for a few specific New Zealand insurance providers where you can arrange cover entirely over the phone?

Ask anything

Captured 11 October 2026