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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

How can I check whether contents cover information online applies to New Zealand rather than Australia?

The best way to check whether online information about contents cover applies to New Zealand rather than Australia is to verify the country, the insurer or provider, and the policy wording — not just the website where you found it.

Contents insurance rules, definitions, exclusions and claim limits can differ between Australia and New Zealand, even when a company operates in both countries.

How to check

  1. Check the country on the website. Look for a New Zealand domain (.co.nz or .nz), a New Zealand contact address, or an explicit statement that the information applies to New Zealand. An Australian website (.com.au) is a warning sign that the information may be Australia-specific.

  2. Check the actual policy document. Look for a policy wording PDF or Product Disclosure Statement (PDS). Australian insurers commonly use the term PDS, whereas New Zealand policies may use terms such as policy wording or policy document. Check the country, policy version and issue date.

  3. Check the legal and financial details. Look for references to New Zealand dollars (NZD), New Zealand legislation, and New Zealand-specific complaint or dispute-resolution services. Australian references such as Australian Consumer Law, ASIC or AFCA may indicate Australian-specific information.

  4. Verify the information independently. Use official New Zealand sources rather than relying only on comparison websites, online articles or AI-generated summaries.

Reliable New Zealand sources

Financial Markets Authority (FMA)

Explains New Zealand insurance regulation, consumer protections and complaints.

Official FMA insurance guidance Insurance

Insurance Council of New Zealand

Provides New Zealand-specific information about insurance and consumer rights.

Visit the Insurance Council

MAS — example policy

Its official contents insurance policy page provides New Zealand policy information and links to the actual policy wording.

Read the contents insurance policy MAS Contents InsuranceContents Insurance

A quick test for online information

If the information mentions… What to do
.com.au, Australian dollars or Australian law Check whether a separate NZ version exists.
A PDS, ASIC or AFCA Verify whether the document is Australian-specific.
.co.nz, New Zealand dollars and NZ policy wording These are useful indicators, but still check the document.
A general article without a country Treat it as background information until verified.

One important distinction: a company can operate in both countries while offering different policies. Even an official company website may have separate versions for each country. The policy wording and your own policy schedule are the most important documents to check.

If you share the website link, article or insurance provider you are looking at, I can help check whether the information applies specifically to New Zealand or is intended for Australia.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

How can I check whether contents cover information online applies to New Zealand rather than Australia?

Checking whether online content, a website, or a document applies specifically to New Zealand rather than Australia is crucial because international corporations (and search engines) often bundle the two markets under the abbreviation ANZ or AU/NZ, despite distinct legal, financial, and regulatory frameworks.

To verify whether content applies to New Zealand, look for the following key indicators and use these practical methods:

1. Check Domain Extensions and URL Structure

  • Domain Names: A website explicitly targeting New Zealand will typically use a .co.nz or .nz country-code top-level domain. Australian sites use .com.au or .au.
  • Subfolders/Subdomains: Global companies often use subfolders rather than separate domains (e.g., [example.com/nz/](https://example.com/nz/) vs. [example.com/au/](https://example.com/au/)). Always check the path in your address bar to ensure you are looking at the New Zealand regional page.

2. Verify Legal, Regulatory, and Tax References

Laws and compliance standards differ significantly across the Tasman. Check the text for local legislative references:

  • New Zealand Indicators: Look for the Companies Office, the Financial Markets Authority (FMA), Inland Revenue (IRD), GST (Goods and Services Tax at 15%), the Privacy Act 2020, or the Fair Trading Act 1986.
  • Australian Indicators: If the content mentions ASIC (Australian Securities and Investments Commission), the ATO (Australian Taxation Office), GST (at 10%), or the ACCC (Australian Competition and Consumer Commission), it applies to Australia, not New Zealand.

3. Examine Currency, Pricing, and Shipping

  • Currency Codes: Check whether prices are listed in NZD ($ or NZ$) versus AUD (A$ or AUD).
  • Shipping and Logistics: Read the fine print on delivery pages. Australian sites often state they do not ship internationally or charge steep trans-Tasman courier fees, whereas dedicated New Zealand sites reference local couriers (like NZ Post, CourierPost, or Fliway) and domestic delivery timeframes.

4. Look at Terminology and Cultural Nuances

While both nations share similarities, distinct localized language is often a dead giveaway:

  • New Zealand spelling/terms: Uses British/Commonwealth spelling (e.g., programme, favour), and local terms like Māori, IRD number, or EFTPOS terminology.
  • Australian terms: Look out for distinct Australian slang, references to Australian states/territories (NSW, VIC, QLD, etc.), or specific spelling/phrasing native to the Australian market.

5. Review Contact Information and Physical Presence

  • Scroll to the footer or "Contact Us" page. A New Zealand-focused service will list a New Zealand physical address, a local phone number starting with the +64 country code (or local area codes like 09 or 04), and a local business registration (NZBN - New Zealand Business Number).

Tip for Search Engine Results: If search engines are automatically serving you Australian results (.com.au or .au domains), you can force local context by appending terms like site:nz or inurl:nz to your search query, or by configuring your browser's location settings to New Zealand.

Are you trying to verify a specific website, legal document, or product service to see if it complies with New Zealand standards?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

How can I check whether contents cover information online applies to New Zealand rather than Australia?

AI Overview

When searching for advice, legal rights, or consumer rules online, it is easy to accidentally follow Australian information because of the shared language and geographic proximity.

You can determine whether online content applies specifically to New Zealand rather than Australia by looking for the following key indicators:

1. Check the Domain Extension (ccTLD)

  • 🇳🇿 New Zealand : The URL will end in .nz (e.g., .co.nz, .org.nz, or .govt.nz).

  • 🇦🇺 Australia : The URL will end in .au (e.g., .com.au, .org.au, or .gov.au).

2. Look for Country-Specific Legislation

If you are reading about consumer rights, privacy, or business, look for the specific laws cited in the text:

  • Consumer Law: New Zealand relies on the Consumer Guarantees Act (CGA) and the Fair Trading Act (FTA). Australia uses the Australian Consumer Law (ACL).

  • Privacy: Look for the Privacy Act 2020 (NZ) vs. the Privacy Act 1988 (Australia).

  • Taxation: NZ content mentions the Inland Revenue Department (IRD) and GST (at 15%). Australian content mentions the Australian Taxation Office (ATO) and GST (at 10%).

3. Identify Government & Regulatory Bodies

Official advice will reference different regulatory agencies:

  • Consumer Protection: Look for the New Zealand Commerce Commission (ComCom) rather than the Australian Competition and Consumer Commission (ACCC).

  • Workplace & Safety: Look for Employment New Zealand or WorkSafe NZ rather than Australia's Fair Work Ombudsman or Safe Work Australia.

4. Spot Localized Vocabulary and Phone Formats

  • Contact Numbers: Toll-free lines in New Zealand start with 0800 or 0508 , whereas Australia uses 1800 or 1300. Mobile numbers in NZ typically start with 02 (e.g., 021, 027), while Australian mobiles start with 04.

  • Terminology: NZ content uses unique terminology like KiwiSaver (vs. Aus Superannuation), ACC (for personal injury), and LIM reports (for property).

Quick Verification Table

Feature New Zealand (NZ) 🇳🇿 Australia (AU) 🇦🇺
Govt URL .govt.nz .gov.au
Consumer Law Consumer Guarantees Act (CGA) Australian Consumer Law (ACL)
Watchdog Commerce Commission ACCC
Freephone 0800 / 0508 1800 / 13 numbers

If you are looking at a specific topic online right now, feel free to share a few keywords or the organization's name , and I can help you verify which side of the Tasman it belongs to!

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

How can I check whether contents cover information online applies to New Zealand rather than Australia?

To determine whether online content or a website applies specifically to New Zealand rather than Australia , you can look for several distinct regional markers. Because Australia and New Zealand share a similar language and close economic ties, content creators often bundle them under "ANZ" or accidentally mislabel regional rules.

Here are the key ways to verify where the content applies:

  1. Check the Domain Extension (ccTLD)
  • New Zealand domains: Look for extensions ending in .nz, .co.nz, .net.nz, .org.nz, .govt.nz (managed by InternetNZ).
  • Australian domains: Look for extensions ending in .au, .com.au, .net.au, or .edu.au.
  • Note: If a site uses a generic .com or .org, check the website's footer or "About Us" page for physical address details.
  1. Inspect the Regulatory and Legal References
  • New Zealand legislation: Content will reference laws such as the Privacy Act 2020 , the Fair Trading Act 1986 , the Consumer Guarantees Act 1993 (CGA) , or the Employment Relations Act 2000.
  • Australian legislation: Content will cite bodies like the ACCC (Australian Competition and Consumer Commission), ASIC, or laws like the Competition and Consumer Act 2010 or the Privacy Act 1988 (Cth).
  1. Verify Currency and Pricing
  • New Zealand: Look for NZD , $ , or explicit mentions of "GST inclusive (15%)".
  • Australia: Look for AUD , $A , or explicit mentions of "GST inclusive (10%)".
  1. Review Governing Bodies and Support Contacts
  • New Zealand: Look for local statutory entities, phone numbers starting with the +64 country code or local area codes, and addresses mentioning cities like Wellington , Auckland , or Christchurch alongside a 4-digit postal code.
  • Australia: Look for contact details bearing the +61 country code, state abbreviations (NSW , VIC, QLD , etc.), or 4-digit Australian postcode layouts.
  1. Examine Search Engine Targeting
  • If using Google, check the regional search settings or look at Google Search Console data if you manage the site, which explicitly indicates whether the target country is set to New Zealand or Australia.

Would you like help checking a specific website URL or piece of text to see which country it targets?

Ask anything

Captured 11 October 2026