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PARTLY

As of 13 August 2026, AI can only partly compare buildings insurance for your property.

This still needs a person who signs their name to it.

Can you do it?

15 minutesto a draft.

30 minutesto something you’d act on.

Cost, all in£0

Skill neededchat-fluent

Who has to check ityou

What the alternative costsThe supplied tool data gives no price for an insurance broker or comparison service.

If this goes wrong, you may buy cover that excludes a serious property risk or leaves you underinsured when you make a claim.

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. Gather the current quotations, schedules and policy wordings from each insurer, plus any renewal letter that lists changes.
    2. Write down the property facts each quotation is based on, including construction, occupancy, rebuild cost, claims history, flood information and whether the property is empty for any period.
    3. Paste the property facts and upload or paste the quotations into a chatbot with the supplied comparison prompt.
    4. Ask the chatbot to produce the comparison table and separate stated facts from missing information or interpretation.
    5. Open each insurer's schedule and full policy wording and check every premium, sum insured, excess, limit and exclusion against the drafted table.
    6. Contact the insurers about every missing or conflicting answer, and save their written responses with the quotations.
    7. Ask a regulated insurance broker or adviser to check the choice if the property has unusual construction, previous subsidence or flooding, significant claims, or cover needs you cannot interpret.

    Prompt

    Compare the buildings insurance quotations or policy documents below for my UK property. Do not recommend a policy solely because it is cheaper. Extract the annual premium, buildings sum insured, excesses, escape of water cover, accidental damage, alternative accommodation, legal expenses, property owners liability, unoccupied-property conditions, subsidence and flood exclusions, claim limits, key conditions and any unusual exclusions into a clear table. Mark anything missing as “not stated” and do not guess. Then identify material differences, questions I should ask each insurer, and terms I must confirm against the full policy wording. Do not give regulated insurance advice or claim that a policy is suitable for me. State clearly where a regulated insurance broker or adviser should check the decision. My property details are: [property type, postcode area, year built, construction, bedrooms, occupancy, rebuild cost if known, claims history, flood or subsidence information, and whether it is mortgaged]. Quotations and policy wording: [paste or attach them here].

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

What it gets wrong

  • AI cannot establish the correct rebuild cost from a short description or replace a professional valuation where the property is unusual.
  • AI cannot reliably judge whether an exclusion or policy condition leaves your particular property adequately protected.
  • AI cannot see undisclosed risks, property defects or inaccurate answers in the insurer's records.
  • AI does not accept liability for a poor recommendation, rejected claim or gap in cover.

What caps this at PARTLY: judgement under ambiguity, verification cost and stakes of error.

How we scored this

Five axes, each scored nought to two by hand: ten means AI carries the task cleanly, and the thresholds that turn a total into YES, PARTLY or NO are published in the methodology. Each axis name links to its definition.

AxisScore (0–2)
Output2
Inputs1
Verification1
Liability1
Effort delta2
Total7 / 10

The methodology and its thresholds are published in full.

FAQ

Can ChatGPT compare buildings insurance quotes?
Yes, it can extract and compare the terms in quotations and policy documents. It cannot decide whether the cover is suitable for your property without you checking the wording and, for a complex property, asking a regulated insurance broker or adviser.
What information do I need to compare buildings insurance?
Gather the property type, construction, occupancy, rebuild cost, claims history, flood or subsidence information and any periods when the property is unoccupied. You also need the full quotations and policy wording, not just the headline premium.
Is it safe to use AI to choose buildings insurance?
It is useful for organising documents and spotting differences, but it should not make the final decision for you. This is not professional advice, and a serious or unusual case needs a regulated insurance broker or adviser to check the cover.
Can AI tell me which buildings insurance policy is best?
It can identify which policy appears broader or cheaper on the terms you provide. It cannot know which exclusions are acceptable for your property or correct an inaccurate rebuild value, so you must check the policy wording and confirm important points with the insurer or a regulated adviser.

Nearby answers

All Insurance & utilities rulings

Assessed by gpt-5.6-luna (gpt-5.6-luna) on 2026-08-13, second-checked by an independent model. Wrong somewhere? Email [email protected] and it gets re-checked.

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