Prompted offers insurance policy and price comparison
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Prompted compares travel insurance on live price, the way a conventional comparison service does, and on whether the policy wording effectively covers the type of trip the user is taking.
In short
- Prompted is a travel insurance comparison service. It returns live quotes from a panel of UK insurers, side by side, with premiums and excesses the user can compare directly.
- It compares cover as well as price. Before ranking anything, it works out what the user's type of trip needs, then reads the full policy wording and the IPID against those needs.
- Gaps and extras are named. If a policy misses something the user's type of trip needs, or only covers it as a paid add-on, that is stated rather than buried.
- The user still decides. Prompted presents the comparison of policy coverage. It does not tell the user which policy to buy.
Where conventional comparison stops
A traditional comparison site does one job very well. The user fills in a standardised form, the site fans those details out to a panel of insurers, and it lays the prices out in a sortable list. That is useful, and Prompted does it too.
The limitation is what gets compared. On most sites, cover is reduced to a handful of headline details: medical expenses, cancellation, baggage, and sometimes a star rating attached to the brand rather than the policy. Everything that decides whether a claim is actually paid (the exclusions, the conditions, the sub-limits, the obligations on the user) sits behind a link to a PDF.
- Typical headline: "Baggage cover up to £2,000"
- What the wording contains: "single article limit £200, valuables limit £300, no cover for items left unattended, claim void without a written report obtained within 24 hours."
Sorting on the headline gets the user the cheapest policy that matches four numbers. It does not tell the user whether the policy responds to the claim the user is most likely to make. This makes buying insurance stressful and unclear for users: they only find out whether their insurance covers them at the point of claim.
Two comparisons, run together
Cover: What the policy actually does, assessed against what this type of trip needs.
Price: What it costs, live from the insurer panel, premium and excess side by side.
Neither half is decorative. The cover comparison is what stops a cheap policy that will not respond from topping the list. The price comparison is what stops a thorough policy from being sold at any price. Prompted runs both and shows the user the result of each.
How a comparison is built
Work out what the trip needs
It starts with the core profile: who is travelling and their ages, where they are going, when, and for how long. On top of that sit supplementary signals, either volunteered ("we are staying by the beach") or asked for.
The trip is then classified against a taxonomy of 57 trip types, such as a family beach holiday, a walking holiday or a city break. Classification is not mutually exclusive. A beach holiday with a two-day city excursion carries the risks of both.
Those risks are grouped into three layers.
- Layer 1 · Core claims baseline. The risks that apply to almost all international travel: emergency medical expenses, cancellation, baggage and personal effects, travel delay, loss of passport.
- Layer 2 · Scenario specific. Risks that come from the type of trip and the type of traveller: the activities planned, and family or solo traveller risks.
- Layer 3 · Location and time specific. Risks driven by the destination and the travel period, such as medical costs in the country the user is visiting, or seasonal disruption.
The result is a needs list, tiered into mandatory criteria and nice-to-haves.
Compare the cover against those needs
Each policy is then read against that list in full: the policy wording, the Insurance Product Information Document, and any additional exclusions, requirements or obligations, rather than just headline limits.
A policy has to pass every mandatory criterion to be classed as a good fit for that scenario. Where a policy leaves a gap that matters for that type of trip, the gap is named. Where cover exists only as a paid add-on, it is flagged as an extra rather than counted as standard.
Compare the price
This is the conventional part, done conventionally. The user's details go out as a structured quote request to a panel of UK insurers, and live prices come back. Premium and excess are shown together, because a low premium bought with a high excess is a different product, not a cheaper one.
Price is compared, not judged. Prompted shows the user what each policy costs alongside what it covers, and leaves the trade-off to the user.
What comes back
Every policy in the comparison carries a level of match to the needs identified for the user's type of trip. That label, not the premium, is the first thing the user sees.
- Good match: The policy meets every mandatory criterion for this type of trip as standard, and covers the nice-to-haves as well.
- Match: The policy meets every mandatory criterion for this type of trip as standard. Some nice-to-haves may be missing.
- Add-on required: The policy can meet the needs, but one or more of them depend on a paid add-on rather than standard cover. The add-on is named so the user can price it.
- Potential gaps: The policy does not effectively cover the identified mandatory needs. The gap is named, so the user can judge whether it matters for that type of trip.
The label is the shortcut. It answers the question a list of premiums cannot: does this policy do the job for the type of trip the user is actually taking?
Conventional comparison and Prompted
What is compared
- Conventional: Price, plus a few headline limits
- Prompted: Price, plus the policy wording against the type of trip
How needs are captured
- Conventional: A standardised form, the same for every trip
- Prompted: Trip profile plus supplementary detail, mapped to trip types
Where the wording sits
- Conventional: Behind a PDF link
- Prompted: Read as part of the comparison
What decides the order
- Conventional: Premium, usually ascending
- Prompted: Level of match to the user's needs, either "Good match", "Match", "Add-on required" or "Potential gaps"
Gaps in cover
- Conventional: Not surfaced
- Prompted: Named, with paid extras flagged as extras
Who chooses
- Conventional: The user
- Prompted: The user
Where the user can run a comparison
Prompted is a website and a plug-in for ChatGPT, where the same comparison runs in the conversation. To compare policies and generate live quotes it takes four inputs:
- Where the user is going
- Who the user is travelling with, and their dates of birth
- When the user leaves
- How long the trip lasts
Any information about the type of trip, such as whether the user is camping, hiring a car or visiting relatives, further refines the selection of likely needs.