While insurance customers welcome Generative AI’s convenience and possibilities for personalisation, they remain concerned about privacy, accuracy and access to human support, according to a new global report.
The Geneva Association’s report, Gen AI in the Insurance Customer Journey finds Gen AI is transforming how insurance customers interact with their insurers – from researching products and comparing quotes to submitting queries and managing coverage.
The report provides a global perspective on how customers experience and perceive the increasing use of Gen AI in insurance. It 
draws on a survey of 6,000 insurance customers across China, France, Germany, Japan, the UK and the US, finding strong adoption of Gen AI among customers – both insurer-provided and general-purpose tools.
“But while people welcome Gen AI’s convenience and possibilities for personalisation, they remain concerned about data privacy, accuracy, and maintaining access to human support,” the association says.
Key findings include:
- Demand for Gen AI is strongest for product/quote comparisons. Almost 70% of customers have used off-the-shelf Gen AI tools independently when buying insurance
- Over 40% of respondents worry about data privacy and misinformation when using Gen AI tools on their own for insurance decisions
- Nearly 40% rank loss of human touch as the top concern with insurer-provided Gen AI tools.
Jad Ariss, Managing Director of the Geneva Association, says trust is the foundation of the insurer-customer relationship.
“Gen AI has the potential to enhance almost every stage of the insurance customer journey, but customers want assurance that fairness, accuracy, and human empathy remain central to insurance processes.”
Ruo (Alex) Jia, Director Digital Technologies at the Geneva Association and lead author of the report, says as customers become more comfortable and engaged with Gen AI tools, “…insurers have an opportunity to re-imagine service delivery, strengthen transparency, and create more personalised, value-driven relationships.
“Strong data infrastructure and hybrid models that keep humans ‘in the loop’ for certain interactions will improve the customer experience and enable the agility needed to thrive in today’s AI-powered world.”
The Geneva Association describes itself as the only global association of insurance companies; its members are insurance and reinsurance CEOs.