Eight in ten UK consumers use an AI assistant at least three times a week. Six in ten use one to help make decisions. More now turn to AI tools than to a provider or adviser for financial choices. One in five actively distrust AI tools for these decisions. Nearly one in five have acted on AI guidance that later proved wrong. Sixty-two percent cannot judge whether AI guidance is accurate. Defaqto says greater AI reliance raises the importance of data quality. Savanta compared the challenge to distinguishing real gold from fool’s gold. Emma Boardwell argued firms must balance AI speed with human connection. UK consumers demand human intervention, transparency and independent regulation for AI in insurance. Broker-assisted clients report better insurance outcomes than those using AI or comparison sites.

• 8 in 10 UK consumers use AI assistants ≥3 times/week
• 6 in 10 use AI for decisions
• 20% distrust AI for financial choices
• 19% acted on wrong AI advice