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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

If I buy house insurance through a bank, who do I contact if I need to make a claim?

If you buy house insurance through a bank in New Zealand, you usually make the claim with the insurance company that underwrites the policy, not necessarily with the bank branch or your mortgage contact. The bank often acts as the distributor, while the insurer manages the policy and claims. BNZ Verify

The quickest way to know who to contact is to:

  1. Check your insurance policy schedule, certificate, or emails — it will name the insurer and claims contact.
  2. Use the insurer’s claims number or online claims process listed there.
  3. If you are unsure, contact your bank’s insurance team and they can direct you. BNZ

Examples:

  • If your home insurance was arranged through BNZ, home claims are handled by IAG New Zealand, and BNZ directs customers to IAG’s claims team. BNZ
  • If your insurance was arranged through ASB Bank, ASB says its home and contents policies are underwritten by IAG and claims are managed through the IAG claims team. ASB Bank

When making a claim, it helps to have:

  • your policy number (if available)
  • details of what happened and when
  • photos/videos of the damage
  • receipts, valuations, or proof of ownership for damaged or stolen items where relevant. consumer.org.nz

If you tell me which bank you bought the insurance through (for example ANZ, ASB, BNZ, Kiwibank, Westpac, etc.), I can point you to the right claims contact.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

If I buy house insurance through a bank, who do I contact if I need to make a claim?

If you buy house insurance through a New Zealand bank, you generally contact the insurance provider underwriting the policy, rather than your bank's everyday branch staff.

While banks (like ASB, Westpac, BNZ, or ANZ) sell and brand the insurance, the policies are typically underwritten by major insurance partners (such as IAG New Zealand or Vero).

Who to Contact

  1. The Insurer's Dedicated Claims Line: Most bank-branded insurance policies feature a specific phone number for claims on your policy documents, banking app, or the bank's website. For example:
    • ASB Insurance: Managed via IAG; claims are lodged directly through their insurance claims line (e.g., 0800 200 252).
    • Westpac / BNZ / Co-operative Bank: Handled through their respective partnership claims teams.
  2. Your Bank's Insurance Portal: Many New Zealand banking apps (such as ANZ goMoney or Westpac One) allow you to view your policy details and initiate a claim or find the direct claims contact info digitally.

What to Have Ready

When you call to lodge your house claim, ensure you have:

  • Your policy number.
  • Details of what happened, when it occurred, and the extent of the damage.
  • Photos or evidence of the damage (especially crucial before undertaking any emergency temporary repairs to secure the property).
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

If I buy house insurance through a bank, who do I contact if I need to make a claim?

AI Overview

When you buy house insurance through a New Zealand bank, you should contact the insurance underwriter (the partner insurance company) to make a claim, though you can usually initiate this directly through your bank's digital channels.

Banks in New Zealand do not manage or pay out insurance claims themselves. Instead, they act as agents for major insurance corporations.

Where to File Your Claim

Depending on who you bank with, your claim will be processed by a specific underwriter:

  • ASB: Home insurance is underwritten by IAG. You can claim online via the ASB / IAG Claims Portal or call 0800 200 242.

  • ANZ: Home insurance is underwritten by Vero. You can lodge your claim online via your ANZ Internet Banking or by calling Vero on 0800 269 252.

  • BNZ: Home insurance is underwritten by IAG. You can file a claim online through the BNZ / IAG Claims Portal or call 0800 248 888.

  • Westpac: Home insurance is typically underwritten by Tower or IAG. You can lodge a claim directly inside the Westpac One online banking app or call the claims line listed on your policy document.

  • Kiwibank: Home insurance is underwritten by Tower or Ando. You can claim via the My Tower portal or phone 0800 222 491.

  • The Co-operative Bank: Home insurance is underwritten by IAG. You can call their dedicated claims team at 0800 425 025.

What You Need to Prepare

Regardless of the bank or insurer, you will need to provide:

  • Your policy number (found in your internet banking or policy documents).

  • Photos or videos documenting the damage.

  • A Police report reference number if the damage is due to burglary, vandalism, or theft.

  • An explanation of what happened , including the date and time.

If you are currently facing an emergency or need help finding your policy details, let me know which bank you used so I can provide the exact phone numbers and online links you need.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

If I buy house insurance through a bank, who do I contact if I need to make a claim?

When you buy house insurance through a bank in New Zealand , the insurance is actually underwritten and managed by a partner insurance company (such as IAG, Vero, or Tower).

If you need to make a claim, you should contact the insurance partner or use the specific insurance claims portal provided by your bank , rather than going into a standard bank branch.

Who you contact depends on which bank you are with:

  • ANZ: Managed by Vero. You can submit a claim via the MyVero Online Claims Portal or call Vero directly for urgent claims at 0800 269 252. [ANZ]

  • BNZ: Underwritten and managed by IAG. You can lodge a claim 24/7 through the BNZ IAG Claims Portal or call the IAG claims team.

  • Westpac: Underwritten by partners like IAG or Tower (check your specific policy schedule). You can lodge online via the Westpac One portal or use the respective emergency/claims helplines. [Westpac]

If you let me know which bank your policy is through, I can give you the exact phone number and direct online link for your provider's claims team.

Ask anything

Captured 11 October 2026