As of 13 August 2026, AI can only partly check the exclusions in your insurance policy.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

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 the policy wording, policy schedule, certificate, endorsements, renewal documents and any pages referred to by the policy, and keep the complete versions together.
   2. Remove unrelated personal information where possible, then upload or paste the documents into an AI tool and use the supplied prompt with a factual description of the event.
   3. Ask the tool to produce its list of exclusions, limitations, conditions, excesses and missing documents, with exact quotations and page or section references.
   4. Open the original policy documents and compare every quotation, definition, endorsement and page reference against the source wording.
   5. Mark any item where the AI has inferred facts, missed a cross-reference or confused an exclusion with a condition, excess, limit or notification requirement.
   6. Send the checked list and the AI's questions to your insurer or broker, asking for written confirmation of whether the relevant wording applies.
   7. For a rejected, high-value or disputed claim, take the policy and the insurer's response to an insurance adviser or solicitor before relying on the interpretation.

   Prompt

   I want a document check, not a coverage decision. Analyse the insurance documents I paste or upload for a UK policy.
   
   Policy type: [for example, home, motor, travel or business]
   What happened or what am I worried about: [brief factual description]
   Relevant dates and amounts: [insert only what is necessary]
   
   First, list every exclusion, limitation, condition and excess that could relate to my situation. For each item:
   1. Quote the exact wording and identify the document and page or section.
   2. Explain the wording in plain English without adding facts that are not in the documents.
   3. Say what fact would make it relevant or irrelevant, and mark any uncertainty.
   4. Check related definitions, endorsements, schedules, extensions and conditions elsewhere in the documents.
   5. Distinguish an exclusion from a condition, excess, notification requirement or limit.
   
   Do not say that a claim is definitely covered or definitely rejected. Do not infer missing wording. State clearly if any document appears to be missing, unreadable or inconsistent. Finish with a short list of precise questions to send to the insurer or broker, including a request for written confirmation of how the relevant clause applies. This is not professional advice.

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