Over 40% of UK consumers would be comfortable receiving an insurance quote from a chatbot, a GlobalData survey has found. Meanwhile, OpenAI has approved the first insurer AI app on ChatGPT, letting users generate personalised home insurance quotes in-chat.
GlobalData’s 2025 UK Insurance Consumer Survey found that 42% of consumers would be either quite comfortable or very comfortable receiving an insurance quote from an AI chatbot. By comparison, 24.5% were neutral about the prospect, while 33.6% said they were either not comfortable or very uncomfortable. With more than four in ten consumers already open to AI-generated quotes, that baseline acceptance suggests comfort is likely to rise as chatbot experiences improve and consumers become more familiar with the technology.
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Meanwhile, OpenAI has approved the first insurer-built AI app on ChatGPT, allowing users to receive personalised home insurance quotes directly within the conversation. The app was developed by Spanish digital insurer Tuio and is powered by AI distribution infrastructure provider WaniWani. The app identifies user intent, asks for the required information via a short Q&A, and returns real-time quotes from a regulated carrier—without requiring users to exit the AI interface. Policy purchasing functionality is expected to be added to the app at a later date.
The launch is notable because most insurers have so far used OpenAI’s APIs behind the scenes in customer service, claims, and agent tools, rather than offering quotes inside ChatGPT itself. Even so, questions remain around how sensitive customer data is stored, shared, and reused when interactions take place within AI platforms. WaniWani says AI already generates around 20% of new business for digital insurers and that AI-sourced traffic can convert better than traditional search, with 12 more insurance apps currently in the approval pipeline.
Overall, with 42% of consumers already comfortable with AI chatbot quotes—and a further 24.5% neutral—insurers have a meaningful base to build on. Going forward, they will need to convert neutrality into trust. That means making AI journeys simple and transparent (in terms of what is being asked and why), offering clear privacy assurances and consent controls, and providing an easy handoff to a human adviser for reassurance or complex cases. If insurers pair these safeguards with consistently accurate, fast quotes, they will be well placed to lift comfort levels as familiarity with the technology grows.
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By GlobalData
