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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 verify that a contents insurer will help me make a claim by phone?

To verify that a New Zealand contents insurer will help you make a claim by phone, check these things before buying a policy or before you need to claim:

  1. Check the insurer’s claims page or policy wording

    • Look for wording such as “call our claims team”, “phone us to make a claim”, or a claims phone number.
    • Some insurers allow both online and phone claims. For example, some NZ insurers state that claims can be made by calling their claims team, while others provide online claim forms as an alternative. MAS

  2. Call the insurer’s claims number before you buy
    Ask a specific question:

    “If I need to make a contents claim, can I lodge the claim over the phone with a claims adviser, or do I have to do it online?”

    Also ask:

    • “Are phone claims available 24/7 or only during business hours?”
    • “Will someone help me complete the claim details over the phone?”
    • “Can I provide documents, photos, and receipts after the call?”
    • “Will I have a dedicated claims contact person?”

  3. Check the insurer’s customer service reputation
    Look for independent reviews or complaint information, but focus specifically on claims handling, not just price or ease of buying the policy.

  4. Confirm who actually handles claims
    In New Zealand, the brand you buy through may not be the insurer managing the claim. Check your policy documents to see who underwrites the policy and who you contact for claims. Westpac NZ

  5. Keep evidence of the answer
    If phone support is important to you, save:

    • an email confirming phone claims are available, or
    • the date, time, and name of the staff member who confirmed it.

A useful final check is to read the insurer’s Product Disclosure Statement (PDS) or policy wording before signing up, because claims processes and contact methods can differ between policies. Consumer NZ also recommends contacting your insurer promptly after an event and checking the claims process before taking repair steps. consumer.org.nz

If you have a particular New Zealand contents insurer in mind, I can help you check whether they accept claims by phone.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

How can I verify that a contents insurer will help me make a claim by phone?

To verify that your contents insurer will cover or help you make a claim for a damaged phone (or any item) by phone, you need to confirm both your policy's coverage terms and the insurer's claims verification requirements.

Review your policy schedule or call your insurer's customer service line to verify if portable items, accidental damage, or mobile phones are automatically covered under your contents policy. Check what your excess is, as it may cost more than the repair itself. *Verification:* Ask the representative explicitly: "Is my mobile phone covered under accidental damage or personal effects, and what is the excess amount?" Call your insurance provider's main claims line to verify whether they accept full claims over the phone or require an online submission form followed by a phone review. *Verification:* The agent will confirm if they can lodge the claim directly during your call and provide you with a verbal or SMS-confirmed claim number. Ask the insurer what proof or documentation they need to process the phone claim over the phone. Many New Zealand insurers require an independent technical repair report or quote from an authorized repairer before approving a payout or repair. *Verification:* Confirm whether they accept an emailed digital repair quote/assessment or if you need to bring the physical phone to a specific partner repair shop.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

How can I verify that a contents insurer will help me make a claim by phone?

AI Overview

To verify that a contents insurer will help you make a claim over the phone, you can check the "How to Claim" section of their official website , review their Policy Wording document , or look for dedicated 0800 emergency and claims phone numbers.

While almost all major insurers in New Zealand heavily promote online claims portals for standard incidents to speed up processing, they maintain telephone support lines for urgent help, complex or combined claims, or for customers requiring extra support.

Steps to Verify Phone Claim Support

  1. Check for a Dedicated Claims 0800 Number
    Visit the insurer's website and look for their contact or claims page. Major New Zealand insurers explicitly list phone numbers alongside their online submission buttons:
  • AA Insurance : Offers online claims but specifies calling 0800 500 216 for urgent help.
  • State Insurance : Directs users online but provides 0800 80 24 24 for urgent assistance or extra support.
  • AMI Insurance : Lists 0800 100 200 for lodging claims or seeking urgent support.
  • Tower Insurance : Features phone options specifically for business, commercial, or complex claims.

  1. Review the Policy Wording Document
    Before buying a policy or making a claim, download the Key Terms or Policy Wording PDF from the insurer's website. Look under the section titled "What you must do if you need to claim" or "Your responsibilities". This section legally outlines the accepted channels for notification, which universally includes calling them immediately following an event.

  2. Confirm Hours of Availability
    Verify if their claims line is 24/7 or restricted to business hours. Some insurers (like MAS) offer 24/7 new claim lodgements over the phone, while others limit their standard phone lines to windows like 8:00 AM to 6:00 PM, routing after-hours calls strictly to emergency triage teams.

  3. Call to Pre-Verify Before an Incident
    If you have accessibility needs or simply prefer managing affairs verbally, call the insurer's general sales or customer service line. Ask a representative directly: "If I suffer a contents loss, can I complete the entire lodgement process with an agent over the phone, or am I required to upload documents online?"

If you are currently evaluating specific providers, let me know which insurance companies you are considering so I can check their exact phone claims policies and hours for you.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

How can I verify that a contents insurer will help me make a claim by phone?

Verifying that a contents insurer supports making a claim over the phone is a straightforward process. New Zealand insurers typically provide dedicated phone lines for claims, and you can confirm their phone-based support using the following steps:

  1. Locate the official contact page: Visit your insurer's official website (for example, major providers like AA Insurance Contact, AMI Insurance Contact, or State Insurance Contact) and navigate to their "Contact Us" or "Make a Claim" section.
  2. Check for a dedicated claims phone number: Look for a specific 0800 claims number rather than just a general customer service or sales line.
  3. Review call centre operating hours: Note the specific hours the claims hotline is staffed, as some insurers have extended or 24/7 emergency phone lines for urgent situations, while standard claims teams operate during regular business hours or restricted weekend hours.
  4. Check the PDS or policy wording: Look up your specific policy document or Product Disclosure Statement (PDS) provided when you bought the cover; it will outline the formal notification requirements and list the telephone number to report an event.
  5. Call to test or confirm: Dial the claims-specific 0800 number directly to speak with a representative and confirm they can take down your claim details verbally over the phone.

Tip: Before you call to lodge the claim, it helps to have your policy number, details of the incident, and any relevant documentation (like photos or a police report number for theft) ready.

If you can share the name of your specific insurance provider , I can help you find their exact claims phone number and operating hours.

Ask anything

Captured 11 October 2026