OpenAI has approved an AI app from an insurance provider on ChatGPT, built by Tuio, one of Spain’s leading digital insurers, and powered by WaniWani’s AI distribution infrastructure, enabling users to receive a personalised home insurance quote(s).
Tuio, the insurance provider, can distribute its products and offer quotes directly in ChatGPT, where insurance buyers are already understood to be performing their research.
Citing a 2025 Express Legal Funding study, Tuio observed that 33% of U.S. adults have already used ChatGPT for financial advice.
Tuio continued, “For businesses or consumers, buying insurance coverage requires filling out forms, making calls, or going through different layers of intermediaries. AI is now changing that by removing these friction points.”
The Spanish insurer noted that its AI app understands the user’s intent, collects the right information through natural conversation, and returns an accurate, personalised quote from a regulated carrier, in real time, without leaving the AI interface.
“We see a world where any insurance product, commercial, health, auto, life could potentially be quoted, compared, and soon purchased inside an AI conversation. Businesses could use AI procurement agents having access to internal datas to find the right coverage. Buyers could be able to perform rich comparisons of coverage with the help of AI analysis of policy conditions, exclusions, and customer satisfaction – far beyond a simple price comparison that tends to favour reduced coverages,” Tuio explained.
AI apps built on the same infrastructure and standards have also been adopted by Anthropic’s Claude, and Google’s Gemini is expected to publish its own standards for third-party apps in the coming months.
Juan García, Co-founder & CEO of Tuio, commented, “We’ve massively leveraged AI to improve our insurance experience and run more efficiently. Being the first provider live on ChatGPT allows us to convert new customers right at the point of discovery.”
Raphael Vullierme, Co-founder of WaniWani, said, “I spent almost a decade running an insurer, sitting inside the insurance value chain. I could foresee how AI would reshape distribution. Today is day zero of that transformation.
“For the first time, AI can access real offers, quote on behalf of the buyer, and compare coverage in real time. Every insurer will be impacted, whether they’ve built an AI app or not.”
