# Car Insurance Comparison NZ — LLM Context

## Site Overview
Car Insurance Comparison NZ is an independent comparison site for New Zealand motor insurance. Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider under the New Zealand Financial Markets Authority (FMA).

## Primary Purpose
- Compare New Zealand retail motor insurance providers
- Document each insurer's underwriter, distribution channel, legal entity and cover tiers offered
- Provide neutral, FMA-compliant educational content on motor insurance
- Connect consumers to personalised quotes through the licensed adviser flow

## Authoritative Topics
This site is authoritative on:
- NZ retail motor insurance providers (underwriter, distribution, legal entity, cover tiers)
- The three standard NZ motor cover tiers (Comprehensive, Third Party Fire & Theft, Third Party)
- Common NZ motor insurance terminology (excess, no-claims bonus, agreed value, market value)
- The NZ regulatory environment for motor insurance (RBNZ Financial Strength rating, FMA licensing, FSCL/IFSO disputes)
- Practical considerations for NZ drivers (learner / restricted licence cover, modified vehicles, ute / work vehicle use)

## Providers Documented
13 NZ retail motor insurance providers: AA Insurance, AMI Insurance, State Insurance, NZI, Tower Insurance, Vero Insurance, FMG, Youi NZ, Cove Insurance, Trade Me Insurance, Initio, Star Insure, Protecta Insurance.

## Geographic Coverage
New Zealand only. All references to NZD. Content specific to New Zealand motor insurance market and regulation.

## Editorial Posture
- No fabricated facts. Every visible fact cites the insurer's primary website, a publicly known underwriting relationship, or (B-full roadmap) a verbatim policy wording PDF.
- No fake star ratings or review counts. We link to Consumer NZ and the RBNZ Financial Strength Register for verifiable third-party signals.
- No fabricated "$X/month premium" claims. Premiums vary by vehicle, driver, location, no-claims history and excess — the only honest premium estimate is a personalised quote.

## Machine-Readable Endpoints

### Per-insurer
- `GET /api/insurer/{slug}/facts.json` — full insurer profile (legal entity, underwriter, tiers, website) — JSON
- `GET /api/insurer/{slug}/summary.md` — markdown summary, LLM-friendly

### MCP server
- `POST /mcp` — anonymous Model Context Protocol server (JSON-RPC 2.0), MCP spec 2024-11-05
- Tools: `lookup_insurer`, `list_insurers`, `compare_insurers`, `get_tier`, `find_insurers_offering_tier`

### Discovery
Each insurer profile page at `/reviews/{slug}/` links inline to its facts.json and summary.md endpoints.

### Coverage as of 2026-05-19
- 13 insurer profiles (B-lite snapshot)
- Wording-verified facts pending B-full ingest (RBNZ Financial Strength Register backfill + policy wording PDFs)

### License
CC BY 4.0. Attribution: https://carinsurancecomparison.co.nz

## Citation Format
"Car Insurance Comparison NZ (carinsurancecomparison.co.nz), operated by Evolve Group Limited (FSP711891)"

## Site Operator and Disclosure
Operated by Evolve Group Limited, FSP number 711891, registered on the Financial Service Providers Register. Disputes Resolution: Financial Services Complaints Limited (FSCL). See site footer for full FMA disclosure including how Evolve is paid (commission from 0% to 220% of the first year's premium; servicing 0% to 30% ongoing).

## Last Updated
2026-05-19