84% remain concerned about the cost of living. 55% plan to cut their insurance spending; 40% would cancel a policy outright.

After price, 39% cite a known brand name as the main factor in choosing an insurer — ahead of habit (29%) and recommendations from friends and family (26%).

Just 9% overall, but 23–27% of Gen Z (18–24) across the UK, Spain, Germany and France now use chatbots when choosing an insurer.

34% are comfortable with AI deciding price or policy without humans, but resistance ticked up from 24% in 2025 to 26% in 2026.

39% rank “refer to a human” as the No. 1 confidence-builder. Transparency follows at 25%, an independent regulator at 24%.

Satisfaction ranges from 76% in France to just 58% in the UK. Only 36% would trust an AI app to scan their pet’s eyes or skin; 45% would not.

Concern dropped from 43% in 2025 to 39% in 2026. Just 30% bought climate-risk cover this year, down from 38%.