ChatGPT Insurance Quotes Emerge as Key Issues Remain
Insurers are rapidly adopting ChatGPT to generate quotes as consumer willingness to use conversational AI for straightforward tasks grows. The shift follows OpenAI’s February 2026 approval of an artificial intelligence application from Tuio, a Spanish digital insurer. The Tuio proposition allows users to receive personalised home insurance quotes directly inside the conversational interface. This marked the first time an insurance provider could distribute products and offer quotes inside an AI platform.
Other firms have quickly followed the initial success of the Spanish provider. MoneySuperMarket launched a ChatGPT application a few days later, which includes automated car insurance quotes for customers. Go Compare then launched its price comparison services via an app on the chatbot, while Aviva and Simply Business have also made apps for customers on the chatbot.
The surge in digital adoption is backed by survey data. A GlobalData survey published on 26 May 2026 found that 42% of respondents would be comfortable receiving an insurance quote via a chatbot, including 12.8% who said they would be very comfortable. The survey was conducted in Q4 2025 and featured a panel of consumers aged 18 and over, with 4,010 respondents.
While a majority of respondents in the GlobalData survey indicated comfort with chatbot interactions, a significant portion of the market remains hesitant. The data showed that 33.6% of respondents would feel uncomfortable receiving quotes via a chatbot, while 24.5% were neutral. This gap highlights a split in consumer sentiment that insurers must handle as they expand their digital strategies.
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Despite the hesitation, analysts argue that ignoring the chatbot channel risks losing business. As digital distribution changes with the ever-evolving capability of AI, considering your ability to distribute through AI is becoming a non-negotiable part of insurance distribution. Insurance firms may miss out on key business if they do not have a digital presence on chatbots or use AI to help with distribution.
Transparency is key to engagement
For travel insurance, where purchase decisions can be complex, the need for clear communication is even more pronounced. To overcome the barrier of consumer discomfort, experts suggest that transparency is essential. When insurers transparently explain the reasons behind premiums, the likelihood of policy renewal improves by 25% for car insurance and 14% for home insurance. Effective communication during the renewal process is vital for maintaining customer trust.
Those that fail to make chatbot interactions understandable and reliable risk losing consumers at the comparison stage, while those that get it right can strengthen engagement and compete more effectively in an increasingly competitive digital marketplace. Delivering personalised digital journeys without compromising clarity is essential as insurance transitions to chatbots.
