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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

What disclosure and single-item requirements apply to a high-value collections policy?

In New Zealand, the phrase “high-value collections policy” can refer to different contexts (for example, a museum collection policy, an organisational asset policy, or a compliance policy). If you mean a collections management policy for high-value collection items, the usual disclosure and single-item requirements are generally about transparency, valuation, and documenting significant items. The Treasury

Typical requirements include:

Disclosure requirements

A high-value collections policy should usually disclose:

  • What counts as “high value” — the monetary threshold, significance criteria, or both.
  • How items are identified and recorded — including item descriptions, provenance, ownership, condition, location, and collection significance.
  • Valuation methodology — including when valuations are required, who performs them, and how often they are reviewed. For example, some collection policies require independent valuations above specified thresholds. Te Papa
  • Conflicts of interest or related-party dealings — any acquisition, disposal, or valuation involving connected parties should be transparently recorded.
  • Acquisition and disposal decisions — the reasons for accepting, declining, transferring, or deaccessioning high-value items.
  • Insurance, security, and risk controls — how valuable items are protected and monitored.
  • Restrictions or legal status — such as cultural heritage protections, ownership restrictions, or export controls where relevant. New Zealand Legislation

Single-item requirements

For individual high-value items, policies commonly require:

  • Separate identification and registration — each significant item should have its own record rather than being hidden within a general collection grouping.
  • Unique identifier or accession number — allowing the item to be tracked throughout its lifecycle.
  • Individual description and documentation — including images, provenance, condition reports, and supporting records.
  • Individual valuation where appropriate — especially where one item has substantial value or risk exposure. Te Papa
  • Approval controls — higher-level approval for acquisition, loan, transfer, or disposal of especially valuable items.
  • Audit trail — records of changes in ownership, location, condition, valuation, and decisions.

If you mean a specific New Zealand policy or regulation called a “High-Value Collections Policy” (for example, a museum, government agency, insurer, AML/compliance, or accounting policy), tell me the organisation or sector and I can give the exact disclosure and single-item requirements.

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ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

What disclosure and single-item requirements apply to a high-value collections policy?

When insuring high-value collections (such as art, fine jewelry, rare coins, stamps, or specialty items) under a home and contents policy in New Zealand, insurers apply strict guidelines regarding what you must disclose and how individual items are valued or capped.

1. Disclosure Requirements

Under New Zealand insurance law (governed by the Contract and Commercial Law Act 2017), you have a legal duty of disclosure.

  • Material Facts: You must disclose everything you know—or could reasonably be expected to know—that a prudent insurer would want to take into account when deciding whether to accept your policy, set your premium, or apply specific terms.
  • Collection Specifics: For high-value collections, insurers typically require detailed disclosures upfront, which may include:
    • The nature and total estimated value of the collection.
    • Recent professional valuations, appraisals, or certificates of authenticity (often required to be updated every 2 to 3 years).
    • Details regarding storage and security measures (e.g., whether items are kept in approved safes, monitored alarm systems, specialized display cases, or bank vaults).
    • Information on whether items are frequently transported or worn/displayed outside the home.

2. Single-Item and Category Limits

Standard contents insurance policies place strict sub-limits on specific high-risk or collectible categories if they are left "unspecified".

  • Standard Policy Limits: Under a standard or comprehensive contents policy, single items or entire collections are often capped heavily. For example:
    • Unspecified collections (stamps, medals, coins, etc.) frequently have a standard single-collection limit ranging from $2,500 to $10,000.
    • Single items of jewelry, watches, or specific artworks may be capped between $2,500 and $3,000 unless itemized.
  • High-Value / Specialist Policies: If you opt for a high-net-worth or specialized collections policy (such as NZI Distinction or Chubb policies), the default parameters are much higher:
    • Fine art or specific valuable items may have automatic sub-limits up to $100,000 per item (with aggregate caps like $500,000 in total).
    • High-value jewelry or watch groups may allow higher total thresholds (e.g., up to $25,000 per individual piece and up to $100,000 combined) without listing every single item.
  • The "Specified Item" Requirement: Any individual piece or collection worth more than the standard policy sub-limit must be specifically listed ("specified") on your policy schedule with an agreed value or specific sum insured. Failing to specify a high-value item means your payout in the event of a claim will be strictly restricted to the policy’s default sub-limit.
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Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

What disclosure and single-item requirements apply to a high-value collections policy?

AI Overview

In New Zealand, securing insurance for high-value items—such as jewellery, watches, works of art, or specialized collections—requires navigating distinct disclosure duties and single-item limits (sub-limits). Standard home contents policies place strict internal caps on unlisted luxury goods to mitigate risk.

The structural disclosure and single-item requirements typically applied by New Zealand insurers include:

1. Single-Item Limits & "Sub-Limits"

Standard New Zealand contents insurance policies restrict the maximum payout for any single unlisted item or collective category.

  • Fixed vs. Adjustable Limits: Most insurers utilize standard sub-limits (e.g., capping any single piece of unlisted jewellery between $1,000 and $3,000 , or art collections at $1,500 to $3,000). If an item's value exceeds these thresholds, it must be declared as a specified item or its category's event limit must be adjusted.

  • Impact on the Sum Insured: When you formally specify a high-value item, its declared replacement value is typically listed explicitly on your policy schedule, extending your coverage beyond the restrictive default caps.

2. Strict Disclosure & Evidence Obligations

To validate high-value collections at inception or during a claim, New Zealand insurers demand clear proof of value and ownership.

  • Professional Independent Valuations: For jewelry, rare collections, or fine art, insurers typically require a recent valuation from a qualified professional (e.g., a registered member of the Jewellery Valuers Society of NZ or a certified art appraiser). These must be updated periodically—usually every 2 to 3 years—to account for shifting market values.

  • The "Duty of Utmost Good Faith": Under New Zealand insurance principles, you are legally obligated to disclose all material facts. Deliberately under-declaring a collection's total combined value or failing to update the insurer about newly acquired high-value assets can result in a claim being declined or the policy being voided.

  • Granular Asset Documentation: Insurers expect you to keep digital records of purchase receipts, invoices, certificates of authenticity, and close-up photographs detailing serial numbers, hallmarks, or distinctive stamps.

3. Anti-Money Laundering (AML) Requirements for High-Value Goods

If you are expanding your collection by buying or selling high-value items physically within New Zealand, you must also navigate statutory requirements under the Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) Act 2009.

  • Cash Transaction Prohibition: There is a strict ban on any cash transactions of $10,000 or more for specific high-value physical items, including jewellery, watches, precious metals, motor vehicles, and boats.

  • High-Value Dealers (Art & Antiquities): While luxury sectors like jewellery are entirely banned from large cash dealings, businesses dealing in paintings, sculptures, or cultural artefacts are allowed to accept cash over $10,000 but are legally classified as "High-Value Dealers". They must perform mandatory Customer Due Diligence (CDD), meaning you will be required to verify your identity using official government-issued ID to complete the purchase.

If you would like to look closer at a specific policy, let me know:

  • What type of collection you are insuring (e.g., jewellery, fine art, wine, luxury watches)?

  • Whether you are assessing a standard contents extension or a standalone specialist broker policy?

I can provide the common benchmark limits used by major New Zealand underwriters.

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Captured 11 October 2026

Google AI Mode · New Zealand

What disclosure and single-item requirements apply to a high-value collections policy?

When arranging a high-value collections or contents insurance policy in New Zealand , you must navigate specific disclosure obligations and single-item limits/requirements set by insurers and industry guidelines (such as those outlined by the Insurance Council of New Zealand - ICNZ). Duty of Disclosure: What to Tell Your Insurer | ICNZ

Duty of Disclosure

Under New Zealand insurance principles, you have a common law and contractual duty of disclosure when applying for, renewing, or altering a policy. [Insurance Council of New Zealand (ICNZ)]

  • Material Facts: You must disclose all facts that a prudent insurer would treat as material in deciding whether to accept the risk, and on what terms. [Insurance Council of New Zealand (ICNZ)]

  • Collection Specifics: For high-value collections (such as art, antiques, stamp/coin collections, or luxury watches), you must declare the nature of the collection, its total estimated value, how and where it is stored or displayed, and security measures in place (e.g., alarms, safes).

  • Consequences of Non-Disclosure: Failing to disclose material information or misrepresenting the value/risk can lead to the insurer declining claims, altering policy terms, or voiding the contract entirely.

Single-Item and Sub-Limit Requirements

Standard contents policies in New Zealand apply sub-limits or event limits to categories like jewellery, art, and collections. If an item or collection exceeds these thresholds, specific requirements apply:

  • Standard Sub-Limits: Most policies cap unnamed individual items or total collections at a default figure per item or per event (often ranging between $2,000 and $5,000 depending on the insurer).

  • Specified / Declared Items: Any individual item, piece of fine art, or specific collectible that exceeds the standard single-item sub-limit must typically be "specified" (individually listed on the policy schedule) to be covered for its full appraised value.

  • Professional Valuations: For high-value single items or entire collections exceeding high thresholds (e.g., items or art collections valued over $20,000 to $25,000), insurers universally require a professional written valuation or recent purchase receipt/certificate of authenticity at the application stage. These valuations must usually be updated periodically (e.g., every 3 to 5 years) to account for market fluctuation.

  • Security & Storage Constraints: High-value collections often carry strict security warranties. Insurers may require approved alarm systems, deadlock security, or that specific small valuables (like rare coins, stamps, or high-end jewellery) be kept in a certified domestic safe when not being worn or displayed.

Would you like to explore specific valuation requirements for a particular type of collection (such as fine art, jewelry, or memorabilia), or do you need help understanding how sub-limits apply during a claim?

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Captured 11 October 2026