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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

We've been burgled and I don't have receipts for some of the stolen things. Can I still make a contents claim?

I’m sorry you’ve been burgled. It’s a horrible experience to have your belongings taken, and having to prove what you owned can make an already stressful situation even harder.

Yes — in New Zealand, you can generally still make a contents insurance claim even if you don’t have receipts for some of the stolen items. Missing receipts do not automatically mean your claim will be rejected.

Your insurer will need to be satisfied that you owned the items, that they were stolen, and what they were worth. Receipts are one way to show this, but there may be other forms of evidence you can provide.

What you can use instead of receipts

The Insurance Council of New Zealand and Consumer Protection recommend looking for other evidence of ownership and value. Useful examples include: How to Make an Insurance ClaimInsurance

  • Photos or videos showing the items in your home or you using them.
  • Bank or credit card statements showing purchases.
  • Emails, online order histories or Trade Me messages confirming a purchase.
  • Warranty documents, manuals or product registrations.
  • Valuations for jewellery, watches, artwork or other valuables.
  • Retailer records — some stores can retrieve old purchases.
  • Other photos that show the items in the background, such as family photos or pictures of your home.

You can also make a list of the missing items with their brand, model, approximate age, original purchase price and estimated replacement cost.

What to do now

  1. Report the burglary to NZ Police if you haven't already, and keep the reference number. You can report stolen property online through NZ Police. Stolen/Attempted to steal property
  2. Contact your insurer and lodge the claim promptly. Don't leave items off your list just because you lack receipts.
  3. Gather alternative evidence for each item. Tell your insurer honestly when you cannot find documentation and ask what other evidence they'll accept.
  4. Check limits and special conditions in your policy, particularly for jewellery, watches, cash, electronics and other high-value items. Your excess and the policy's rules on replacement value versus present value may also affect the payout. How to Make an Insurance ClaimHow to get the best house and contents insurance

What if the insurer says you can't claim without receipts?

Ask them to explain in writing what proof they require and which policy term they are relying on. If you disagree with their decision, use the insurer's formal complaints process. If it remains unresolved, you can contact the relevant independent insurance dispute resolution scheme.

See New Zealand Consumer Protection's insurance guidance for more information.

Can I ask you two quick questions to help with your situation?

  • Which insurance company are you with?
  • What sorts of things were stolen without receipts — for example, clothing, electronics, jewellery, tools or household items?

I can help you work out what evidence is likely to be useful for those specific items.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

We've been burgled and I don't have receipts for some of the stolen things. Can I still make a contents claim?

Yes, you can still make an insurance contents claim even if you do not have receipts for some of your stolen items.

While insurance companies prefer receipts to streamline the process, missing proof of purchase is very common—especially for older items, gifts, cash purchases, or things bought secondhand.

How to Prove Ownership Without Receipts

Insurance providers in New Zealand understand that people rarely keep receipts for every household item. To support your claim without them, you can provide alternative forms of evidence:

  • Photographs and Videos: Look through your phone’s camera roll, social media posts, or home videos in the background of which the items might appear.
  • Bank or Credit Card Statements: Transaction history showing a purchase from a relevant retailer around the time you bought the item.
  • Original Packaging or Manuals: Photos of boxes, user manuals, or warranties you may still have stored away.
  • Serial Numbers: If you registered the product online for a warranty or have old insurance policies/valuations, serial numbers can help verify ownership.
  • Warranties or Repair Records: Past records of servicing or repairing the item.
  • Statutory Declaration: For items where no documentation exists, insurers will often ask you to sign a statutory declaration detailing what was stolen, when/where you bought it, and its estimated value.

What Insurers Need Instead of Receipts

When a receipt is missing, the claims assessor will typically look for:

  1. Proof it existed in your home: (Photos, background of a video, empty boxes).
  2. Age and Condition: An estimate of how old the item was, as insurers usually pay out based on indemnity value (current market value accounting for depreciation) or replacement value depending on your specific policy wording (e.g., "New for Old").

Next Steps for Your Claim

  1. Lodge a Police Report: You will need a Police acknowledgment number (or job number) before your insurer can process your contents claim.
  2. List Everything: Write down a detailed inventory of all stolen items, noting the brand, model, approximate age, and where/when you acquired them.
  3. Be Honest: Never exaggerate a claim. Insurers cross-check details, and providing accurate estimates builds trust with the assessor.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

We've been burgled and I don't have receipts for some of the stolen things. Can I still make a contents claim?

AI Overview

I am so sorry to hear that you have been burgled. Dealing with the violation of a break-in is stressful enough without the added headache of trying to track down paperwork.

Yes, you can absolutely still make a contents insurance claim even if you do not have receipts for some of your stolen items.

While New Zealand insurers require proof of ownership to prevent fraud, they are legally obligated to be realistic and flexible about what they accept. They understand that people do not keep receipts for every item they buy over a lifetime.

You can use several alternative forms of evidence to back up your claim.

Alternative Proof of Ownership

Think creatively to establish that you owned the items:

  • Financial Records: Log into your internet banking or check old credit card statements. Look for transactions from specific retailers where you bought the items.

  • Photos and Videos: Search your phone or cloud storage for background photos. Pictures of birthdays, holidays, or mirror selfies often capture items like electronics, jewelry, or distinct clothing pieces in the background.

  • Digital Footprints: Check your email for online order confirmations, tax invoices, or history from platforms like Trade Me, Mighty Ape, or Apple/Google accounts.

  • Leftover Accessories: If you still have the item’s original box, physical instruction manuals, charging cables, spare parts, or warranty cards, these can serve as strong proof.

  • Retailer Records: If you bought an item using a store loyalty card or account (e.g., JB Hi-Fi, Noel Leeming, Kathmandu), contact them. They can often print out your purchase history.

Essential First Steps for Your Claim

To ensure your claim goes as smoothly as possible with providers like AA Insurance, Tower, AMI, or Vero:

  1. File a Police Report: You must report the burglary to the New Zealand Police immediately. Your insurer will strictly require the Police Acknowledgement Report number before they can process a theft claim.

  2. List Everything: Walk through your home and make a comprehensive list of what is missing. Note down approximate purchase dates, brands, model numbers, and replacement values.

  3. Be Completely Honest: Avoid guessing wildly or exaggerating values. It is much better to tell your claims manager, "I don't have the exact receipt for this laptop, but here is a photo of me using it at Christmas," than to guess incorrectly. Honesty keeps the process moving.

If you run into any major resistance from your insurer over an item, remember that you have the right to escalate it through their internal complaints process, or take it to the free Insurance & Financial Services Ombudsman (IFSO) Scheme for an independent review.

To help you figure out the best next steps, what are the main high-value items that were taken? Also, do you know which insurance company you are with?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

We've been burgled and I don't have receipts for some of the stolen things. Can I still make a contents claim?

Yes, you can still make a contents claim even if you don't have receipts for everything. While receipts are the easiest form of proof, New Zealand insurers understand that people don't keep every receipt for years.

To support your claim without a receipt, you can use alternative proof of ownership and value:

  • Bank or credit card statements showing the purchase from the retailer.

  • Photos or videos of your home that accidentally or clearly show the items in use.

  • Serial numbers, user manuals, or warranties kept in a drawer or registered online with the manufacturer.

  • Original packaging or spare parts/accessories left behind for the item.

  • Emails or online order confirmations if you bought the item digitally.

  • A description and estimated age/condition of the item; for older or common items, insurers will often use depreciation guidelines or replacement cost estimates.

If you run into disputes or need guidance on how complaints are handled if an insurer pushes back unfairly, you can look at resources from the Insurance & Financial Services Ombudsman (IFSO) Scheme or guidance via Consumer NZ.

To help me give you more relevant details, could you let me know:

  • Which insurance company you are with?
  • What kinds of items are missing receipts (e.g., electronics, furniture, clothing)?
Ask anything

Captured 11 October 2026