As of 13 August 2026, AI can only partly check whether your insurance covers a situation.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open your current policy schedule, full policy wording, endorsements, renewal documents and any relevant insurer correspondence.
   2. Redact policy numbers, addresses, bank details and other unnecessary personal data, then save the documents in a form your chosen chatbot can read.
   3. Write a short chronology of what happened, including the incident date, what was damaged or lost, the value involved and any action already taken.
   4. Paste the prompt above into ChatGPT, Claude or Gemini, then attach or paste the redacted policy documents and your chronology.
   5. Check every clause quoted by the model against the original policy wording, including definitions, exclusions, conditions, excesses and notification requirements.
   6. Send the drafted factual message and the model's question list to your insurer or claims handler, and ask for the coverage decision in writing.
   7. For a serious, disputed or high-value claim, give the documents and the insurer's response to a regulated insurance adviser or solicitor before relying on the interpretation.

   Prompt

   I need a provisional analysis of whether my UK insurance policy may cover this situation. Do not give a definitive answer and do not present yourself as an insurer, solicitor or regulated insurance adviser. This is not professional advice.
   
   Policy type: [for example, home, motor, travel or contents]
   Insurer: [name]
   Policy start and end dates: [dates]
   Incident date: [date]
   What happened, in chronological order: [facts only]
   What I am claiming for: [loss, damage, cost or injury]
   What I have already done: [for example, contacted the insurer or arranged repairs]
   
   I will paste the policy schedule, wording, endorsements and relevant correspondence below. Redact policy numbers, addresses, telephone numbers, bank details and other unnecessary personal data.
   
   Analyse the documents as follows:
   1. Quote or identify the exact clauses that appear relevant, including definitions, exclusions, conditions, excesses and notification deadlines.
   2. Separate facts supported by the documents from assumptions or missing information.
   3. Give three sections: wording that may support cover, wording that may exclude or limit cover, and issues the insurer must decide.
   4. Do not invent clauses, meanings, deadlines or amounts. Say "not stated in the documents" where necessary.
   5. List the documents and evidence I should preserve.
   6. Draft a short, factual message to the insurer asking them to confirm cover in writing.
   7. List the exact questions I should ask the insurer or a regulated insurance adviser.
   8. Tell me if I should contact the insurer promptly under the policy wording, but do not tell me that a claim will succeed.
   
   Policy and correspondence:
   [PASTE DOCUMENTS HERE]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.