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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

My bike was stolen from a locked shed. Would ordinary contents insurance cover it if the shed isn't attached to the house?

Possibly, yes. In New Zealand, ordinary contents insurance may cover a bike stolen from a locked, freestanding shed, even if the shed isn't attached to your house. However, it depends on your insurer's policy wording and how it defines covered buildings and storage areas.

The key distinction is usually not simply whether the shed is attached to the house, but whether your policy covers belongings stolen from an outbuilding or locked shed on your property.

What could affect your claim?

  • The shed was locked: This supports your claim, particularly if there are signs of forced entry. Some policies have specific security requirements.
  • The shed is detached: This doesn't automatically rule out cover, but the policy must cover contents stored in that type of outbuilding.
  • Your bike's value: There may be a per-item limit for bicycles, or you may have needed to list a high-value bike separately. I'm looking at ASB Contents Insurance, what is a specified item?MAS Contents Insurance
  • The excess: Even if the claim is accepted, your payout will usually be reduced by your policy excess.

For example, FMG's contents policy includes specific bicycle theft provisions, illustrating why the exact policy wording matters. Household
Contents
Policy Wording
Terms of our poHousehold Contents Insurance Policy Wording

What should you do now?

  1. Report the theft to the police and keep the report or reference number.
  2. Photograph any damage to the shed or lock.
  3. Gather your bike receipt, serial number, photos and any evidence of its value.
  4. Lodge a claim with your insurer rather than assuming you're not covered.

I can help you check your cover

Which insurance company are you with? For example, AMI, AA Insurance, State, Tower, FMG or another provider.

If you tell me the insurer, I can look at its policy wording and help establish whether a bike stolen from a locked, detached shed is likely to be covered.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

My bike was stolen from a locked shed. Would ordinary contents insurance cover it if the shed isn't attached to the house?

Yes, ordinary New Zealand contents insurance generally covers your bike if it is stolen from a locked shed, even if that shed is detached from the main house.

However, whether your specific claim is accepted depends heavily on a few key security and policy conditions.

Key Conditions for Coverage

  • Forced Entry or Security Requirements: Most standard NZ policies require the shed to be securely locked (such as with a padlock or a functional door lock) at the time of the theft. Insurers often define burglary or theft from an outbuilding as requiring evidence of forced entry (e.g., a broken lock, forced door, or cut padlock). If the shed was left completely unlocked, the insurer may decline the claim.
  • Detached Outbuildings are Still "Contents": Insurers typically classify movable items kept inside outbuildings (like garden sheds, standalone garages, or sleepouts) as part of your general contents cover, provided they are on your residential property.
  • Bicycles Limits and Sub-limits: Check your policy schedule for any special limits on bicycles. While standard contents policies cover bikes, many insurers cap the payout for a single bike or a combined total of bicycles (e.g., $3,000 to $5,000) unless you have specifically "specified" the bike on your policy for its full agreed or market value.

Next Steps

  1. File a Police Report: Almost all New Zealand insurers will require a Police report/acknowledgment number for a theft claim before they can process it.
  2. Check Your Policy Wording: Look up your insurer's section on "theft from outbuildings" or "contents away from the main home" to confirm their exact security definitions.
  3. Contact Your Insurer: Lodging the claim early allows them to guide you through their specific proof-of-ownership requirements (such as purchase receipts, serial numbers, or photos of the bike).

Would you like help preparing the details for your insurance claim, or do you want to check what specific information your provider might ask for?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

My bike was stolen from a locked shed. Would ordinary contents insurance cover it if the shed isn't attached to the house?

AI Overview

Yes, your ordinary contents insurance will typically cover a bike stolen from a locked, detached shed on your property. Most New Zealand insurers treat a detached shed or outbuilding located at your insured address as part of the domestic home boundaries for contents purposes. Because the shed was locked and broken into, this qualifies as a burglary (theft involving forced entry), which fulfills the security requirements for standard policies.

However, the final payout will depend on specific policy limitations:

📑 Key Policy Factors to Check

  • Item Price Caps (Sub-limits): Standard contents policies in New Zealand usually have a maximum "per-item" limit for bicycles and e-bikes unless they are specifically named on your certificate. For instance, AA Insurance typically limits standard bike claims to $5,000 (or $2,500 on limited policies), while AMI caps standard bicycle payouts at $3,000 per item. If your bike is worth more than your policy's sub-limit and you haven't listed it as a "specified item", you will only receive up to that capped amount.

  • Evidence of Forced Entry: Because the bike was in an outbuilding rather than the main house, your insurer will likely require evidence that the shed was securely locked and that physical force was used to break into it.

🛑 Next Steps for Making a Claim

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

  2. Document the Break-in: Take clear photos of the damage to the shed (e.g., broken padlocks, forced doors, or smashed windows) to prove forced entry.

  3. Gather Proof of Ownership: Look for the bike's serial number, original receipts, bank statements, or clear photos of you with the bike to verify its value.

To help you get the most out of your claim, let me know:

  • What is the estimated replacement value of the bike?

  • Do you know which insurance provider your policy is with?

  • Are there visible signs of damage to the shed's lock or door?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

My bike was stolen from a locked shed. Would ordinary contents insurance cover it if the shed isn't attached to the house?

Yes, ordinary contents insurance in New Zealand generally does cover the contents inside a detached or outbuilding shed (like a stand-alone garden shed or garage), provided it is located within your residential boundary.

However, whether your specific claim will be paid out depends on a few critical conditions regarding how the shed was secured and your policy's specific wording.

Key Conditions for Cover

  1. Forced Entry / Security Requirements:
    Because the shed was locked, you meet the standard burglary requirement for theft. Most NZ contents policies (such as AMI, AA Insurance, Tower, and State) require visible signs of forced entry or break-in to the outbuilding itself (e.g., a broken padlock, forced door, or smashed window). If the shed was left completely unlocked, the insurer may decline the claim because it wasn't securely locked.
  2. The "Inside the Boundary" Rule:
    Insurers classify movable outbuildings and the personal items stored inside them as part of your general contents cover as long as the shed sits on your main residential property/section. [AMI Insurance]
  3. Bicycle Limits and Value:
  • Unspecified vs. Specified: Check your policy's single-item limits. Many standard policies cap unspecified individual items (like standard bicycles) around $1,500 to $3,000. If your bike is a high-end or e-bike worth more than that cap, it needs to be specified (explicitly listed with its serial number/value on your policy) to receive full replacement value. Otherwise, payout may be capped at the standard limit.
  1. Police Report:
    New Zealand insurers (as guided by the Insurance Council of New Zealand) virtually always require a formal Police report / reference number for a burglary or theft claim before they will process it. [QuoteHub NZ]

If you'd like to check your specific situation, let me know:

  • Who your insurance provider is
  • Whether the bike was locked inside the shed (e.g., chained to a anchor point)
  • If the bike was specified on your policy

I can help you understand what next steps to take with your claim.

Ask anything

Captured 11 October 2026