Audit your home or auto insurance renewal before it auto-renews
Upload this year's and last year's declarations pages. AI explains what changed, flags coverage gaps and discounts you're missing, and builds an apples-to-apples quote sheet.
Real-world reports
- The Sun: 'I've saved £500 in 10 minutes using AI to cut my bills' (home insurance £517 to £327)
- r/homeowners: 77% home insurance increase over 2 years
Self-reported results; not independently verified by us. Your outcome will differ.
Tools
- ChatGPT, Claude, Gemini or Grok (free tiers work; paid ~$20/mo helps with long files)
- Declarations page
- Independent broker or 3 carrier quotes
Steps
- Download both declarations pages.
- Ask AI to diff them: premium, dwelling coverage, deductibles, endorsements.
- Ask for a list of discounts to ask about (bundling, roof age, security, claims-free).
- Get 3 quotes at identical coverage via an independent agent or carriers.
- Call your carrier with the best quote; switch if they won't match.
Copy-paste prompt
Compare these two declarations pages [PASTE]. Table every coverage, limit, deductible and premium change. Explain the drivers of the increase, list discounts I should ask about, and give me a spec sheet to get identical quotes.
What to verify
Raising deductibles saves money only if you can afford the deductible; don't cut liability coverage to save a few dollars.
Legal & ethical notes
Disclose material facts honestly to insurers.
Go deeper on money workflows with AI Money Playbooks: verify-first AI prompts for budgeting, bookkeeping, bills and taxes.
Official sources
Educational only; not legal, tax, medical or financial advice. Laws and prices change; check official sources.
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