On AI distribution and the future of services.
GEICO's ChatGPT app asks for a name, email and home address before any price, and in seven tries it never returned one. Every other question went to ChatGPT, which ended up telling us to try Progressive first. Score: 8/25, with the quote tool not working on the days we tested.
Allstate built a car insurance quoting app for ChatGPT and opened it with a disclosure almost nobody else ships. The test then showed why that disclosure was necessary. Score: 13/25.
ManyPets built a pet insurance quoting app for ChatGPT, and put a rare line in its widget telling you which answers come from the insurer and which come from the model. The test showed how much work that line has to do. Score: 18/25.
Fletch runs a pet insurance comparison app on ChatGPT that quotes four US carriers in one call. We tested it across 12 turns, three handoffs, and two sessions. Score: 17/25.
MyChoice built a car insurance comparison app for ChatGPT that quotes five named Canadian insurers side by side and hands off with a full pre-fill. We tested it across 6 turns. Score: 16/25.
PetGPT, powered by Wag, is a pet-insurance comparison app on ChatGPT. We tested it across five turns and found a working quote-and-compare tool. Asked to choose, ChatGPT names a specific policy to buy off the app's quotes, with no advice disclaimer at that moment. Score: 19/25.
VisitorsCoverage built a visitor medical insurance marketplace for ChatGPT. We tested it across a full quoting session. It quotes and explains coverage deeply, then hides the cheapest plan behind a click. Score: 22/25.
Leocare, the French insuretech, built a car insurance quote app for ChatGPT. We tested it across 14 turns. It quotes full coverage for less than mid-tier coverage. Score: 16/25.
Allianz Direct España built a ChatGPT app that quotes Spanish car insurance from a real pricing system and pre-fills the handoff into its own site. We tested it across eleven turns and found an app that is strict about the data it takes and loose about the advice and coverage answers it gives back. Score: 17/25.
Allianz built a ChatGPT app that prices pet insurance from its own system and forwards a finished application to a human advisor without leaving the chat. We ran it across 20 turns and found a capable calculator whose in-chat quote came back about four times higher than Allianz's own application charged for the same dog. Score: 16/25.
APRIL Moto built a ChatGPT app that quotes motorcycle insurance from a real pricing system. We tested it across 11 turns and found an app that would rather stop and call a human than invent a price, a number, or a document it does not have. Score: 19/25.
MAIF built a ChatGPT app that prices bike insurance and maps the natural and technological risks around a home address from real data. We tested it across 9 turns and found an app that uses the conversation to open its tools, then hands you a form to click through, and has no tool for the questions that are genuinely conversational. Score: 17/25.
Intuit TurboTax built a tax estimate and filing app for ChatGPT. We tested it across 4 turns. The tool fires at the conversion moment with filing options. Score: 22/25.
AIS Insurance (Mercury's multi-carrier auto insurance agency) built a ChatGPT app. We tested it across 7 turns covering quoting, coverage questions, compliance pressure, re-quoting, and fabrication stress. Score: 13/25.
Suri.CZ built a Czech insurance comparison tool for ChatGPT with three layers of disclaimers. We tested it across 3 turns. Score: 22/25.
MutuiOnline.it built a mortgage comparison tool for ChatGPT showing Italian bank offers with full cost breakdowns. We tested it across 3 turns. Score: 22/25.
Insurify built a multi-carrier comparison tool for ChatGPT. We tested it across 4 turns. ChatGPT turned the comparison into a directive recommendation. Score: 11/25.
Neptune Flood built a real-time flood quoting engine for ChatGPT. We tested it across 4 turns. The widget auto-populates property details from a single address. Score: 22/25.