AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 1
AA British Insurance Premium Index Quarter 1 2013
25 April 2013The AA British Insurance Premium Index (Index) has been tracking the quarterly movement of car and home insurance since 1994. It measures the market average premium (an average of all quotes on a UK-representative basket of 'customers') as well as the five cheapest quotes for each 'customer' to provide the Shoparound index.
Motor insurance premiums 2
Home insurance premiums 7
Index home and motor quarterly moves 13
Index market average trends since 1994 14
Media contact
Ian Crowder01256 492 844 –ian.crowder@theAA.com
The information in the Index may only be used internally by the business (Internal Business Use) on the following terms. Internal Business Use means use of the information contained in the Index in reports and submissions – that do not carry advertising – in internal business activities. It specifically excludes any commercial use and exploitation including any use whereby the user obtains direct or indirect revenue, for example as part of any publishing activity, promotion, marketing or advertising. The AA copyright notice must be displayed on all such information. Press journalists may use the Index for editorial purposes without prior permission.
Any use of the Index other than as above is not permitted without the prior written consent of the AA (contact details above).
AA excludes all implied warranties and conditions to the fullest extent permitted by law. AA does not in any way warrant the accuracy or completeness of the Index and by using the Index the user acknowledges that it is relying upon its own skill in determining its suitability for any general or specific purpose and accepts that the Index may not be error free.
Automobile Association Insurance Services Limited is an intermediary and is regulated by the Financial Services Authority.
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 2
Motor insurance premiums – Quarter 1 2013
Car insurance premiums falling, latest AA Index finds
Legal reforms bring cost savings
Premiums expected to continue downward trend
Insurers’ access to DVLA records will further cut fraud
Car insurance premiums continue to fall according to the latest benchmark AA British Insurance Premium Index, covering the first quarter of 2013.
The average quoted premium for an annual comprehensive car insurance policy, as tracked by the AA Shoparound index, is £746.75. That’s a fall of 1.4% over the first three months of 2013. Over the past year premiums have fallen by 4.1%.
The Shoparound figures are reached by averaging the five cheapest quotes from a range of premiums from insurers and brokers, as well as from price comparison sites, against a fixed basket of risks.
Simon Douglas, director of AA Insurance, says that the falling trend will be welcomed by consumers, who over the past three years have faced some of the biggest premium increases ever recorded by the Index.
“Car insurance has not been far from the headlines for all the wrong reasons, as insurers struggled to balance premiums against claims costs,” he says. “Sharp hikes in personal injury claims, fraud and uninsured drivers, to say nothing of last year’s gender directive and changing regulations, have all helped to pile on the pounds.
“But there are other changes that I expect to help this downward premium trend,” Mr Douglas says.
The first parts of the Legal Aid, Sentencing and Punishment of Offenders Act 2012 (LASPO) were introduced on 1 April, with others following later in the month and in July.
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 3
Key reforms of LASPO include:
Complete ban on the payment and receipt of referral fees for any claim that includes a personal injury
Controls to ensure that costs are proportionate to the damages
‘After the Event’ insurance premiums (often called ‘additional liabilities’) and solicitor success fees can no longer be recovered from the defendant in an injury claim Fixed legal fees for road collision claims valued at under £10,000 will reduce from
£1,200 to £500
In addition, a proposal is under consultation whereby the small claims court limit for personal injury claim cases where legal costs can’t be recovered will increase from £1,000 to £5,000. “These changes should go some way towards bringing no-win, no-fee type whiplash-injury claims under control, and will thus reduce the costs of claims,” Mr Douglas says.
Meanwhile, the government continues to focus on car insurance. The Transport Committee of cross-party MPs is currently exploring the very British phenomenon of soaring whiplash-injury claims. The Ministry of Justice has also just finished a consultation on whiplash injury.
Mr Douglas hopes that these enquiries will bring further reforms to bring the number of whiplash-injury claims under control. He points out that 70% of those in crashes on Britain’s roads make a claim for injury even if no injury has been suffered, amounting to some 570,000 claims per year, costing £2bn.
“This is a shameful record that makes the UK the ‘whiplash capital of Europe’. In France for instance, only 3% of crashes result in a personal injury claim,” he says.
The AA would like to see measures such as a part of legitimate injury payments being made direct to providers of rehabilitation services such as physiotherapy; an independent medical examination of whiplash-injury claimants; and the adoption of a system similar to that in Germany and Austria, where low-speed crashes are not eligible for whiplash injury claims. In a separate initiative, insurance companies are expected to be allowed to cross-check car insurance applications against the DVLA (Driver and Vehicle Licensing Agency) database from next year.
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 4
Mr Douglas adds: “We know that an astounding 23% of motorists wrongly declare their driving history to insurers, either not declaring convictions or disqualifications, or declaring something less significant when they take out car insurance.
“Many more provide other false information such as age, driving experience or even address in order to obtain a cheaper insurance premium. This is unfair to safer, honest motorists and adds to the cost of insurance.”
The AA’s own research shows that the public overwhelmingly support such a move.*
Insurers are now starting to cut premiums in anticipation that that these various measures will reduce costs.
“I expect the downward trend to continue, which will be welcome news for consumers,” says Mr Douglas.
*AA/Populus. 17,883 AA members were questioned between 14 and 20 December 2012. A net 92% of the respondents agreed that the cross-checking of insurance applications against the DVLA database is a good idea if it cuts down fraud.
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 5
Motor insurance premiums – Quarter 1 2013
Summary tables
All channels: Market summary (note 1)
Average premium Apr-13 Jan-13 Percentage
change
Annual percentage change
Comprehensive £1,132.46 £1,171.62 -3.3% -3.9%
TPFT £1,598.87 £1,592.75 0.4% -1.0%
All channels: Shoparound summary (note 1)
Average premium Apr-13 Jan-13 Percentage
change
Annual percentage change
Comprehensive £746.75 £757.10 -1.4% -4.1%
TPFT £1,127.67 £1,105.20 2.0% 0.9%
Direct insurer: Market summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Comprehensive £1,112.45 £1,148.51 -3.1% £1,204.82 -7.7%
TPFT £1,497.93 £1,563.65 -4.2% £1,651.38 -9.3%
Direct insurer: Shoparound summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Comprehensive £803.66 £799.18 0.6% £813.09 -1.2%
TPFT £1,182.03 £1,141.14 3.6% £1,120.19 5.5%
Price comparison sites: Market summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Comprehensive £1,162.47 £1,206.27 -3.6% £1,138.78 2.1%
TPFT £1,750.28 £1,636.40 7.0% £1,562.12 12.0%
Price comparison sites: Shoparound summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Comprehensive £661.38 £693.99 -4.7% £726.33 -8.9%
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 6
The AA Index is based on a nationwide basket of risks that is representative of the UK
insurance market. Quotes are obtained from a range of direct providers (brokers, insurers and schemes) and from companies quoted on price comparison sites. Market average is the average of all premiums returned for each risk. The Shoparound average is from the five cheapest quotes returned for each risk.
Note 1. Combined data that is an average of the quoted premiums returned from both the direct market and from price comparison sites.
Download the Index (csv file) for motor insurance
2800 risks for car insuranceMotor insurance charts – direct market
Quarterly movements for car insurance
Motor insurance average premiums April 2013 (table)
Motor insurance summary – region and age April 2013 (table) Premium changes by age
Premium changes by region
Motor insurance – comprehensive Shoparound premium trends Motor insurance – TPFT Shoparound premium trends
Motor insurance charts – price comparison market
Motor insurance average premiums April 2013 (table)
Motor insurance summary – region and age April 2013 (table) Premium changes by age
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 7
Home insurance premiums – Quarter 1 2013
Home insurance premiums fall despite flood concerns, AA Index finds
Home insurance premiums continue downward trend Flood agreement between government and insurance industry ‘out of sight’ – thousands of homes could be left uninsurable
Premiums for home buildings, contents and combined policies continued to fall dramatically over the first three months of 2013, despite an estimated cost to insurers of £1.2bn for last year’s floods.
Typical quotes on the AA’s Shoparound index (average of five cheapest premiums from both direct providers and price comparison sites) for buildings insurance are down 2.6% over the quarter (down 1.7% over the past 12 months); contents are down 1.7% (down 2.4% over the past 12 months); and for a combined buildings and contents policy, down 1.8% (down 1.4% over 12 months).
Simon Douglas, director of AA Insurance, says that the downward trend hides wide regional variations, particularly where homes have suffered floods.
“Flood-affected homes will have seen big premium increases, especially if they have suffered two or three flood claims. They are also likely to have seen the excess – the amount a
homeowner must pay towards a claim – for flood claims rise sharply.”
Such homes can still obtain insurance according to a ‘statement of principles’ between insurers and the government. Yet that comes to an end in June this year and there is no sign of a replacement. The agreement was struck with the insurance industry in 2000, provided the government continued to increase investment in flood risk management.
But in fact investment has fallen despite a recent welcome announcement that a further £294m will be spent to protect an additional 64,000 homes against flooding.
Flooding has become a major concern for both the government and the insurance industry, which have been locked in negotiations to find a way forward. There are estimated to be over 200,000 homes at serious risk of flooding, and 1.2 million at some risk.
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 8
“The decision was taken to end the statement of principles back in 2008, so it’s not as if there hasn’t been time to come up with a new deal,” says Mr Douglas.
“Homeowners will be exasperated and worried at this impasse. People need flood cover that is affordable, and that won’t happen unless and until a more robust system, which all home owners are likely to have to contribute to, is in place.
“At present, we are on the brink of an open market which could see insurance becoming out of reach for flood-affected families, with obvious consequences for property values and
mortgages," he says.
The Association of British Insurers [ABI] has been discussing a proposal known as ‘Flood Re’, which proposes that the total cost of increase flood claims is spread through a levy on insurers to provide a not-for-profit ‘pool’ to meet claims from high-risk homes. This would add an
estimated £8 to £15 to all home insurance premiums.
Since it would take time for this reserve to be built up, in the early years it would need to be underwritten by the government in the event that there is a major flood catastrophe soon after it was put in place. This, the AA understands, HM Treasury is unwilling to do.
A further proposal by reinsurance broker Marsh offers a different option. Known as ‘Flood Mu’, it would mutualise (hence the name) rather than reinsure flood losses, with some of the claims costs arising from a flood disaster distributed over all home insurers, although some of the risk remains with the originator of the insurance cover. It would not require government funding, but is more complex in operation.
Nonetheless, both concepts would need primary legislation. This could take a year or more, since it would rely on all insurers being compelled to participate.
“For now, I see no option but to extend the statement of principles for the time being, but it’s not a satisfactory way forward. It was only ever seen as a temporary measure,” Mr Douglas points out.
He adds that other European countries have effective government mechanisms in place to ensure flood-risk homes can be insured, not dissimilar to the ABI’s proposal. “It’s difficult to see why the UK can’t do something along those lines.”
The AA Index suggests that competition is still keeping home premiums in check, although some insurers are showing signs of putting up premiums.
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 9
At a time when Sir John Beddington, the government’s own outgoing chief scientist, has warned that a ‘need for urgency’ in tackling the ‘irrefutable’ effects of climate change, insurers are becoming more nervous about the implications for more frequent and costly claims. Sir John warned that we are going to see more floods, more sea surges and more storms ‘in our lifetimes’.
Insurers will confirm that greater frequency of severe weather is already affecting more and more homes that have no history of floods.
“I hope there isn’t more serious flooding this year,” adds Mr Douglas.
“That would almost certainly be a catalyst for further premium rises for everyone, as happened over the months following the 2007 floods. And I wouldn’t expect them to stabilise until a firm solution is in place to tackle what is at great risk of becoming a national embarrassment."
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 10
Home insurance premiums – Quarter 1 2013
Summary tables
All channels: Market summary (note 1)
Average premium Apr-13 Jan-13 Percentage
change
Annual percentage change
Buildings £203.12 £207.92 -2.3% -1.8%
Contents £113.67 £116.55 -2.5% -1.9%
Combined £273.35 £277.99 -1.7% -3.3%
All channels: Shoparound summary (note 1)
Average premium Apr-13 Jan-13 Percentage
change
Annual percentage change
Buildings £145.76 £149.59 -2.6% -1.7%
Contents £77.02 £78.37 -1.7% -2.4%
Combined £195.66 £199.34 -1.8% -1.4%
Direct insurer: Market summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Buildings £218.93 £223.50 -2.0% £221.04 -1.0%
Contents £112.29 £117.01 -4.0% £116.06 -3.3%
Combined £293.71 £298.71 -1.7% £299.60 -2.0%
Direct insurer: Shoparound summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Buildings £168.17 £172.51 -2.5% £169.56 -0.8%
Contents £85.86 £88.68 -3.2% £87.63 -2.0%
Combined £223.94 £226.17 -1.0% £221.71 1.0%
Price comparison sites: Market summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Buildings £179.39 £184.54 -2.8% £185.36 3.2%
Contents £115.74 £115.87 -0.1% £115.72 0.0%
Combined £242.81 £246.91 -1.7% £257.50 -5.7%
Price comparison sites: Shoparound summary
Average premium Apr-13 Jan-13 Percentage
change Apr-12
Percentage change
Buildings £112.16 £115.22 -2.7% £116.54 -3.8%
Contents £63.75 £62.90 1.3% £65.76 -3.1%
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 11
The AA Index is based on a nationwide basket of risks that is representative of the UK
insurance market. Quotes are obtained from a range of direct providers (brokers, insurers and schemes) and from companies quoted on price comparison sites. Market average is the average of all premiums returned for each risk. The Shoparound average is from the five cheapest quotes returned for each risk.
Note 1. Combined data that is an average of the quoted premiums returned from both the direct market and from price comparison sites
Download the Index (csv file) for home insurance:
750 risks for home insuranceHome insurance charts – direct market
Quarterly movements for home insurance
Home insurance average premiums April 2013 (table)
Home insurance – buildings average premiums April 2013 (table) Home insurance – contents average premiums April 2013 (table) Home insurance – combined average premiums April 2013 (table) Premium changes by region
Premium changes by age
Premium changes by property type Premium changes by year built
Home insurance – buildings Shoparound premium trends Home insurance – contents Shoparound premium trends
AA British Insurance Premium Index
© The Automobile Association Limited 2013 Page 12
Home insurance charts – price comparison market
Home insurance average premiums April 2013 (table)
Home insurance – buildings average premiums April 2013 (table) Home insurance – contents average premiums April 2013 (table) Home insurance – combined average premiums April 2013 (table) Premium changes by region
Premium changes by age
Premium changes by property type Premium changes by year built
Buildings Contents Combined Comp TPFT
July 1994 market average premium £159.16 £105.05 £317.49 £350.75
January 2013 market average premium £223.50 £117.01 £298.71 £1,148.51 £1,563.65 April 2013 market average premium £218.93 £112.29 £293.71 £1,112.45 £1,497.93 January 2013 shoparound average premium £172.51 £88.68 £226.17 £799.18 £1,141.14 April 2013 shouparound average premium £168.17 £85.86 £223.94 £803.66 £1,182.03
A base rate of 100 was set at July 1994. The British Insurance Premium Index gives a quarterly update
on the movements of home insurance on 750 risks each for buildings and contents, and on 2800 car insurance risks - 2500 comprehensive and 300 TPFT. July 1994 and subsequent premiums are assumed average premiums rebased in line with BIPI production methods over time.
The Index shows average car insurance premiums based on open market rates from 80 of the UK's leading insurers and home premiums across 72 insurers. Composites, direct writers and online providers are included.
The quarterly move compares the market average premium this quarter with the previous quarter.
The shoparound premium is the average of the five lowest premiums quoted by the insurers in the market survey. This more closely reflects the price paid, but does not take account of discretionary discounts offered.
All premiums shown include Insurance Premium Tax at the prevailing rate. Premiums shown for July 1994 alone are free of IPT
While it is not possible to include risks from every town in the UK, those selected are typical risks, reflecting a cross section of the insurance market. Movements by specific towns are checked separately using a basket of 250000 risks.
AA British Insurance Premium Index quarterly moves - April 2013
Buildings Contents Combined Comp TPFT
£15
9.16
£10
5.
05
£3
17
.4
9
£35
0.75
£22
3.
50
£117.01
£29
8.
71
£1,148.
51
£1,563.
65
£218.93
£11
2.
29 £29
3.71
£1
,11
2.
45
£1,497.
93
£17
2.
51
£88
.68 £22
6.
17
£79
9.18
£1,141.14
£16
8.
17
£85.86
£22
3.94
£80
3.
66
£1
,18
2.
03
AA British Insurance Premium Index quarterly moves - April 2013
July 1994 market average premium January 2013 market average premium April 2013 market average premium January 2013 shoparound average premium April 2013 shouparound average premium
0 50 100 150 200 250 300 350 400 450 500 Ju l-9 4 Jan -95 Ju l-9 5 Jan -96 Ju l-9 6 Jan -97 Ju l-9 7 Jan -98 Ju l-9 8 Jan -99 Ju l-9 9 Jan -00 Ju l-0 0 Jan -01 Ju l-0 1 Jan -02 Ju l-0 2 Jan -03 Ju l-0 3 Jan -04 Ju l-0 4 Jan -05 Ju l-0 5 Jan -06 Ju l-0 6 Jan -07 Ju l-0 7 Jan -08 Ju l-0 8 Jan -09 Ju l-0 9 Jan -10 Ju l-1 0 Jan -11 Ju l-1 1 Jan -12 Ju l-1 2 Jan -13
AA British Insurance Premium Index market average trends since 1994
Motor Comp Motor TPFT
Home Buildings Home Contents
Motor direct market summaries
AA British Insurance Premium Index
Comp TPFT July 1994 market average premium £317.49 £350.75
January 2013 market average premium £1,148.51 £1,563.65
April 2013 market average premium £1,112.45 £1,497.93
January 2013 shoparound average premium £799.18 £1,141.14
April 2013 shoparound average premium £803.66 £1,182.03
A base rate of 100 was set at July 1994. The British Insurance Premium Index gives a quarterly update
on the movements of 2800 car insurance risks - 2500 comprehensive and 300 TPFT. July 1994 and subsequent premiums are assumed average premiums rebased in line with BIPI production methods over time.
The Index shows average car insurance premiums based on open market rates from 80 of the UK's leading insurers. Composites, direct writers and online providers are included.
The quarterly move compares the market average premium this quarter with the previous quarter. The shoparound premium is the average of the five lowest premiums quoted by the insurers in the market survey. This more closely reflects the price paid, but does not take account of discretionary discounts offered. All premiums shown include Insurance Premium Tax at the prevailing rate.
Premiums shown for July 1994 alone are free of IPT
While it is not possible to include risks from every town in the UK, those selected are typical risks, reflecting a cross section of the insurance market. Movements by specific towns are checked separately using a basket of 250000 risks.
AA British Insurance Premium Index quarterly moves - April 2013
Comp TPFT
£317
.4
9
£350.75
£1,
148
.51
£1,
563
.65
£1,
112
.45
£
1
,4
9
7
.9
3
£799.18
£1,
141
.14
£803.66
£1
,18
2.
03
AA British Insurance Premium Index quarterly moves - April 2013
July 1994 market average premium January 2013 market average premium April 2013 market average premium January 2013 shoparound average premium April 2013 shoparound average premium
Market Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Comprehensive £1,112.45 £1,148.51 -3.1% £1,204.82 -7.7%
Third Party Fire & Theft £1,497.93 £1,563.65 -4.2% £1,651.38 -9.3%
Shoparound Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Comprehensive £803.66 £799.18 0.6% £813.09 -1.2%
Third Party Fire & Theft £1,182.03 £1,141.14 3.6% £1,120.19 5.5%
Motor Average Premiums
April 2013
Motor Regional Summary - direct
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change
London 455 £1,325.14 £1,386.77 -4.4% £943.44 £933.60 1.1%
South 337 £927.80 £956.72 -3.0% £689.11 £678.09 1.6%
Anglia 217 £999.01 £1,015.31 -1.6% £728.14 £720.67 1.0%
Central 337 £1,154.69 £1,196.99 -3.5% £821.01 £812.46 1.1%
West & West Country 201 £910.42 £961.00 -5.3% £639.53 £642.78 -0.5%
Wales 177 £993.89 £974.15 2.0% £789.56 £778.46 1.4%
Granada 252 £1,620.24 £1,681.62 -3.7% £1,185.60 £1,170.21 1.3%
Yorkshire 227 £1,282.57 £1,301.94 -1.5% £972.75 £948.35 2.6%
Border & TyneTees 130 £1,175.22 £1,210.23 -2.9% £816.79 £832.80 -1.9%
Scotland 175 £792.21 £809.45 -2.1% £600.29 £583.49 2.9%
UTV 79 £1,285.88 £1,424.63 -9.7% £1,014.31 £1,061.50 -4.4%
Motor Age Summary - direct
Age Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change
17-22 333 £2,321.94 £2,448.80 -5.2% £1,753.69 £1,684.85 4.1%
23-29 520 £1,442.56 £1,513.78 -4.7% £1,140.00 £1,153.51 -1.2%
30-39 412 £948.31 £973.72 -2.6% £721.07 £724.82 -0.5%
40-49 486 £873.70 £879.31 -0.6% £630.91 £621.81 1.5%
50-59 363 £710.89 £715.50 -0.6% £494.65 £495.51 -0.2%
60-69 386 £606.68 £606.89 0.0% £465.59 £457.53 1.8%
70+ 146 £728.50 £734.97 -0.9% £557.00 £561.16 -0.7%
Total 2,646
Number of Risks
Market Shoparound
Region Number of
Risks
Market Shoparound
-6.0% -5.0% -4.0% -3.0% -2.0% -1.0% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0%
17-22 23-29 30-39 40-49 50-59 60-69 70+
Market Shoparound
AA BIPI motor quarterly average shoparound premium movement by Age
April 2013
-10.0% -8.0% -6.0% -4.0% -2.0% 0.0% 2.0% 4.0%
Lon
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Market Shoparound
AA BIPI motor quarterly average shoparound premium movement by Super Regions
April 2013
-5% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 400 450 500 550 600 650 700 750 800 850 900 950 1,000 1,050 1,100 1,150 1,200 A p r-0 9 A u g-09 D e c-09 A p r-1 0 A u g-10 D e c-10 A p r-1 1 A u g-11 D e c-11 A p r-1 2 A u g-12 D e c-12 A p r-1 3
A
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an
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Pr
e
m
iu
m
£
Apr-09 Jul-09 Oct-09 Jan-10 Apr-10 Jul-10 Oct-10 Jan-11 Apr-11 Jul-11 Oct-11 Jan-12 Apr-12 Jul-12 Oct-12 Jan-13 Apr-13 Annual Change 9.3% 10.0% 12.9% 22.6% 22.5% 30.9% 39.3% 33.2% 40.1% 30.1% 16.4% 15.3% 7.7% 8.5% 5.6% -2.8% -1.2% Comp Premium 439.86 459.09 481.16 535.34 538.65 600.72 670.03 713.08 754.87 781.80 779.66 821.99 813.09 848.08 823.23 799.18 803.66
AA BIPI Motor Comprehensive shoparound premium trends
-2% 8% 18% 28% 38% 48% 58% 68% 78% 88% 400 450 500 550 600 650 700 750 800 850 900 950 1,000 1,050 1,100 1,150 1,200 1,250 1,300 1,350 1,400 1,450 1,500 1,550 1,600 1,650 1,700 1,750 1,800 A p r-0 9 A u g-09 D e c-09 A p r-1 0 A u g-10 D e c-10 A p r-1 1 A u g-11 D e c-11 A p r-1 2 A u g-12 D e c-12 A p r-1 3
A
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Ch
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Pr
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m
iu
m
£
Apr-09 Jul-09 Oct-09 Jan-10 Apr-10 Jul-10 Oct-10 Jan-11 Apr-11 Jul-11 Oct-11 Jan-12 Apr-12 Jul-12 Oct-12 Jan-13 Apr-13 Annual Change 13.9% 12.8% 20.7% 33.4% 35.6% 49.4% 54.6% 71.9% 82.1% 49.6% 33.1% 7.6% -2.0% 5.5% 3.9% 2.7% 5.5% 3rd Party Prem 462.90 487.36 527.71 600.94 627.87 727.89 815.61 1,032.761,143.201,088.671,085.421,111.361,120.191,148.571,128.111,141.141,182.03
AA BIPI Motor Third Party shoparound premium trends
Motor price comparison market summaries
AA British Insurance Premium Index
Market Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Comprehensive £1,162.47 £1,206.27 - 3.6% £1,138.78 + 2.1%
Third Party Fire & Theft £1,750.28 £1,636.40 + 7.0% £1,562.12 + 12.0%
Shoparound Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Comprehensive £661.38 £693.99 - 4.7% £726.33 - 8.9%
Third Party Fire & Theft £1,046.12 £1,051.30 - 0.5% £1,112.56 - 6.0%
Number of Insurers Used 94
Motor Aggregator Average Premiums
April 2013
Motor Regional Summary - aggregator
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change
Anglia 221 £1,020.06 £1,017.94 0.2% £607.76 £612.63 -0.8%
Border & TyneTees 131 £1,161.32 £1,233.54 -5.9% £645.84 £701.69 -8.0%
Central 331 £1,141.26 £1,162.38 -1.8% £667.32 £679.90 -1.9%
Granada 265 £2,146.26 £2,217.76 -3.2% £1,128.17 £1,204.89 -6.4%
London 445 £1,435.93 £1,464.06 -1.9% £814.94 £840.46 -3.0%
Scotland 165 £778.61 £790.27 -1.5% £486.52 £496.75 -2.1%
South 333 £926.19 £943.80 -1.9% £569.08 £599.11 -5.0%
Wales 170 £980.58 £988.08 -0.8% £577.74 £609.72 -5.2%
West & West Country 188 £876.18 £907.63 -3.5% £534.88 £566.81 -5.6%
Yorkshire 227 £1,339.87 £1,356.34 -1.2% £761.86 £788.81 -3.4%
Motor Age Summary - aggregator
Age Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change
17-22 432 £3,104.55 £3,187.82 -2.6% £1,743.42 £1,804.49 -3.4%
23-29 527 £1,493.62 £1,500.86 -0.5% £824.72 £884.39 -6.7%
30-39 396 £765.87 £786.88 -2.7% £451.55 £468.03 -3.5%
40-49 476 £824.56 £829.02 -0.5% £501.76 £506.72 -1.0%
50-59 370 £641.58 £664.91 -3.5% £408.50 £413.28 -1.2%
60-69 372 £499.96 £525.82 -4.9% £300.94 £324.52 -7.3%
70+ 140 £569.56 £596.98 -4.6% £355.00 £380.99 -6.8%
Total 2,713
Number of Risks
Market Shoparound
Region Number of
Risks
Market Shoparound
-8% -7% -6% -5% -4% -3% -2% -1% 0%
17
-22
23
-29
30
-39
40
-49
50
-59
60
-69 70+
AA BIPI quarterly average premium movement by Age - Aggregator April 2013
Market Shoparound
-8% -7% -6% -5% -4% -3% -2% -1% 0% 1%
A
n
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ia
B
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s
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Gr
an
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a
Lon
d
o
n
Sc
o
tla
n
d
So
u
th
W
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e
s
W
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W
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C
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Yor
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AA BIPI quarterly average premium movement by ITV Super Regions - Aggregator April 2013
Market Shoparound
Home direct market summaries
AA British Insurance Premium Index
Buildings Contents Combined July 1994 market average premium £159.16 £105.05
January 2013 market average premium £223.50 £117.01 £298.71
April 2013 market average premium £218.93 £112.29 £293.71
January 2013 shoparound average premium £172.51 £88.68 £226.17
April 2013 shoparound average premium £168.17 £85.86 £223.94
A base rate of 100 was set at July 1994. The British Insurance Premium Index gives a quarterly update
on the movements of home insurance on 750 risks each for buildings and contents. July 1994 and subsequent premiums are assumed average premiums rebased in line with BIPI production methods over time.
The Index shows average home insurance premiums based on open market rates from 72 of the UK's leading insurers. Composites, direct writers and online providers are included.
The quarterly move compares the market average premium this quarter with the same quarter last year. The shoparound premium is the average of the five lowest premiums quoted by the insurers in the market survey. This more closely reflects the price paid, but does not take account of discretionary discounts offered. All premiums shown include Insurance Premium Tax at the prevailing rate.
Premiums shown for July 1994 alone are free of IPT
While it is not possible to include risks from every town in the UK, those selected are typical risks, reflecting a cross section of the insurance market. Movements by specific towns are checked separately using a basket of 250000 risks.
AA British Insurance Premium Index quarterly moves - April 2013
Buildings Contents Combined
£
1
5
9
.1
6
£105
.0
5
£223
.5
0
£117
.0
1
£298.71
£218.93
£112
.2
9
£
2
9
3
.7
1
£172.51
£88.
68
£
2
2
6
.1
7
£168.17
£85.86
£223
.9
4
AA British Insurance Premium Index quarterly moves - April 2013
July 1994 market average premium January 2013 market average premium April 2013 market average premium January 2013 shoparound average premium April 2013 shoparound average premium
Market Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Buildings £218.93 £223.50 -2.0% £221.04 -1.0%
Contents £112.29 £117.01 -4.0% £116.06 -3.3%
Combined £293.71 £298.71 -1.7% £299.60 -2.0%
Shoparound Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Buildings £168.17 £172.51 -2.5% £169.56 -0.8%
Contents £85.86 £88.68 -3.2% £87.63 -2.0%
Combined £223.94 £226.17 -1.0% £221.71 1.0%
Home Average Premiums
April 2013
Regional Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Border & TyneTees 52 £212.77 £217.95 -2.4% £154.48 £158.20 -2.4%
Central & Granada 170 £208.71 £213.84 -2.4% £169.41 £172.87 -2.0%
London & South 215 £237.92 £243.61 -2.3% £184.38 £189.87 -2.9%
Scotland 65 £208.09 £211.66 -1.7% £163.24 £166.01 -1.7%
Wales 39 £232.16 £235.88 -1.6% £160.25 £162.95 -1.7%
West & West Country 55 £203.17 £208.70 -2.6% £146.14 £149.92 -2.5%
Yorkshire & Anglia 146 £212.46 £214.93 -1.2% £157.68 £163.18 -3.4%
Age Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change 17-22 15 £242.27 £247.09 -2.0% £156.86 £161.48 -2.9%
23-29 43 £246.27 £249.81 -1.4% £175.93 £186.37 -5.6%
30-39 206 £232.04 £235.05 -1.3% £170.36 £173.98 -2.1%
40-49 242 £224.28 £230.33 -2.6% £166.16 £170.98 -2.8%
50-59 119 £210.44 £215.88 -2.5% £160.41 £164.52 -2.5%
60-69 47 £182.65 £187.86 -2.8% £172.68 £175.27 -1.5%
70+ 70 £178.00 £180.74 -1.5% £170.97 £174.04 -1.8%
Property Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Detached House 216 £263.62 £267.89 -1.6% £163.33 £166.38 -1.8%
Mid Terrace House 159 £212.67 £216.54 -1.8% £171.65 £176.75 -2.9%
Semi Detached House 239 £190.12 £194.77 -2.4% £168.58 £173.42 -2.8%
End Terrace House 19 £210.06 £216.61 -3.0% £191.00 £203.54 -6.2%
Semi Detached Bungalow 6 £178.99 £179.68 -0.4% £142.22 £147.40 -3.5%
Detached Bungalow 77 £204.45 £209.34 -2.3% £157.19 £162.53 -3.3%
Flat 34 £211.62 £219.69 -3.7% £184.73 £184.17 0.3%
Year Built Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change <1920 194 £293.76 £297.08 -1.1% £173.11 £177.40 -2.4%
1920-1945 150 £222.83 £227.67 -2.1% £165.51 £170.69 -3.0%
1946-1979 301 £188.34 £193.91 -2.9% £165.74 £169.90 -2.4%
1980-1999 100 £163.95 £167.61 -2.2% £162.27 £166.58 -2.6%
2000+ 5 £139.27 £142.70 -2.4% £259.50 £259.75 -0.1%
Region Number of Risks
Market Shoparound
Age Number of Risks
Market Shoparound
Property Type Number of Risks
Market Shoparound
Year Built Number of Risks
Market Shoparound
Regional Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Border & TyneTees 52 £105.33 £109.69 -4.0% £90.86 £93.66 -3.0%
Central & Granada 170 £119.96 £125.07 -4.1% £92.83 £96.48 -3.8%
London & South 216 £114.34 £119.62 -4.4% £87.83 £90.57 -3.0%
Scotland 65 £99.31 £102.14 -2.8% £73.78 £76.50 -3.6%
Wales 39 £103.09 £109.53 -5.9% £78.11 £80.21 -2.6%
West & West Country 55 £102.76 £105.89 -2.9% £73.64 £75.71 -2.7%
Yorkshire & Anglia 153 £114.51 £119.06 -3.8% £91.31 £93.79 -2.6%
Age Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change 17-22 17 £152.54 £159.98 -4.6% £91.38 £95.04 -3.8%
23-29 44 £150.25 £156.94 -4.3% £92.71 £97.06 -4.5%
30-39 208 £125.41 £131.02 -4.3% £91.03 £93.50 -2.6%
40-49 243 £110.72 £115.63 -4.2% £84.63 £87.73 -3.5%
50-59 120 £101.06 £105.42 -4.1% £84.71 £87.52 -3.2%
60-69 48 £88.84 £91.26 -2.7% £86.41 £88.37 -2.2%
70+ 70 £80.43 £82.12 -2.1% £84.19 £86.43 -2.6%
Property Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Detached House 216 £112.30 £116.49 -3.6% £83.58 £86.27 -3.1%
Mid Terrace House 159 £118.79 £125.25 -5.2% £91.30 £93.94 -2.8%
Semi Detached House 239 £109.24 £113.93 -4.1% £86.02 £89.52 -3.9%
End Terrace House 19 £129.87 £135.75 -4.3% £107.00 £109.14 -2.0%
Semi Detached Bungalow 6 £97.10 £100.03 -2.9% £96.46 £98.49 -2.1%
Detached Bungalow 77 £97.69 £100.79 -3.1% £78.80 £81.38 -3.2%
Flat 34 £129.17 £132.60 -2.6% £103.89 £104.37 -0.5%
Year Built Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change <1920 194 £127.90 £134.43 -4.9% £90.28 £93.85 -3.8%
1920-1945 150 £117.38 £122.56 -4.2% £88.06 £90.63 -2.8%
1946-1979 301 £104.03 £108.06 -3.7% £84.68 £87.23 -2.9%
1980-1999 100 £100.04 £102.75 -2.6% £84.46 £87.12 -3.0%
2000+ 5 £95.89 £98.11 -2.3% £136.50 £135.50 0.7%
Region Number of Risks
Market Shoparound
Age Number of Risks
Market Shoparound
Property Type Number of Risks
Market Shoparound
Year Built Number of Risks
Market Shoparound
Regional Summary Combined
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Border & TyneTees 52 £283.98 £289.69 -2.0% £221.08 £223.09 -0.9%
Central & Granada 170 £292.93 £297.84 -1.6% £230.35 £233.10 -1.2%
London & South 216 £305.25 £311.20 -1.9% £236.51 £238.32 -0.8%
Scotland 65 £269.71 £274.44 -1.7% £204.87 £206.96 -1.0%
Wales 39 £297.43 £303.10 -1.9% £216.78 £218.11 -0.6%
West & West Country 55 £278.70 £282.66 -1.4% £200.47 £202.64 -1.1%
Yorkshire & Anglia 153 £296.23 £300.05 -1.3% £219.31 £221.92 -1.2%
Age Summary Combined
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change 17-22 17 £351.87 £353.63 -0.5% £219.70 £224.39 -2.1%
23-29 44 £351.05 £354.73 -1.0% £238.00 £241.46 -1.4%
30-39 208 £317.75 £322.94 -1.6% £229.57 £230.42 -0.4%
40-49 243 £292.84 £299.27 -2.2% £222.63 £225.12 -1.1%
50-59 120 £280.32 £285.80 -1.9% £216.76 £220.26 -1.6%
60-69 48 £249.58 £250.92 -0.5% £224.78 £226.64 -0.8%
70+ 70 £228.34 £231.08 -1.2% £217.66 £219.74 -0.9%
Property Summary Combined
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Detached House 216 £333.84 £338.82 -1.5% £213.32 £215.60 -1.1%
Mid Terrace House 159 £293.03 £298.05 -1.7% £232.22 £234.12 -0.8%
Semi Detached House 239 £270.98 £275.95 -1.8% £224.27 £228.33 -1.8%
End Terrace House 19 £307.13 £310.98 -1.2% £272.52 £264.54 3.0%
Semi Detached Bungalow 6 £246.97 £249.84 -1.1% £231.70 £234.96 -1.4%
Detached Bungalow 77 £280.45 £284.09 -1.3% £211.30 £214.91 -1.7%
Flat 34 £232.47 £241.77 -3.8% £254.62 £247.41 2.9%
Year Built Summary Combined
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change <1920 194 £360.04 £365.87 -1.6% £229.16 £230.66 -0.7%
1920-1945 150 £306.08 £311.50 -1.7% £222.05 £223.28 -0.5%
1946-1979 301 £263.63 £268.51 -1.8% £223.61 £226.47 -1.3%
1980-1999 100 £240.62 £243.87 -1.3% £219.28 £222.63 -1.5%
2000+ 5 £222.00 £223.15 -0.5% £219.33 £218.95 0.2%
Shoparound Region Number of
Risks
Market
Shoparound Age Number of
Risks
Market
Shoparound Property Type Number of
Risks
Market
Shoparound Year Built Number of
Risks
Market
-4% -3% -3% -2% -2% -1% -1% 0% B o rd e r & Ty n e Tee s C e n tral & G ran ad a Lo n d o n & S o u th Sc o tl a n d W ales W e st & W e st C o u n try Y o rk sh ir e & A n gl ia
AA BIPI home quarterly average Buildings premium movements by Super Regions - April 2013
Market Shoparound -6% -5% -4% -3% -2% -1% 0% B o rd e r & Ty n e Te e s Cen tra l & Gr anad a Lo n d o n & S o u th Sco tla n d W ales W e st & W e st C o u n tr y Yo rksh ir e & A n gl ia
AA BIPI home quarterly average Contents premium movements by Super Regions - April 2013
Market Shoparound -2% -2% -2% -1% -1% -1% -1% -1% 0% 0% 0% B or de r & Ty n e Tee s Cen tra l & Gr anad a Lo n d o n & S o u th Scot la n d W al e s W e st & W e st C o u n tr y Yo rk sh ir e & A n gl ia
AA BIPI home quarterly average Combined premium movements by Super Regions - April 2013
Market Shoparound
-6% -5% -4% -3% -2% -1% 0%
17
-22
23
-29
30
-39
40
-49
50
-59
60
-69 70+
AA BIPI home quarterly average Buildings premium movements by Age - April 2013
Market Shoparound
-5% -5% -4% -4% -3% -3% -2% -2% -1% -1% 0%
17
-22
23
-29
30
-39
40
-49
50
-59
60
-69 70+
AA BIPI home quarterly average Contents premium movements by Age - April 2013
Market Shoparound
-3% -2% -2% -1% -1% 0%
17
-22
23
-29
30
-39
40
-49
50
-59
60
-69 70+ AA BIPI home quarterly average Combined premium movements by Age -
April 2013
Market Shoparound
-7% -6% -5% -4% -3% -2% -1% 0% 1% D e ta che d H ou se M id Te rr ac e H o u se Sem i D etach ed H o use En d Ter ra ce H ou se Se m i D e tac h ed B u n gal o w D e ta ch e d B u n gal o w Fl at
AA BIPI home quarterly average Buildings premium movements by Property Type - April 2013
Market Shoparound -6% -5% -4% -3% -2% -1% 0% D e ta ch e d H o u se M id T er race H o u se Se m i D e tac h ed H o u se En d Te rra ce H o u se Se m i D e tac h ed B u n gal o w D e ta che d B un gal
ow Flat
AA BIPI home quarterly average Contents premium movements by Property Type - April 2013
Market Shoparound -4% -3% -2% -1% 0% 1% 2% 3% 4% D et a ched H ou se Mi d Ter race H o use Se m i D e tac h ed H o u se En d Ter ra ce H ou se Se m i D e ta ch ed B u n galo w D e ta che d B un gal
ow Flat
AA BIPI home quarterly average Combined premium movements by Property Type - April 2013
Market Shoparound
-4% -3% -3% -2% -2% -1% -1% 0%
<
192
0
19
20-1945
19
46-197
9
19
80-1999 2000+
AA BIPI home quarterly average Buildings premium movements by Year Built - April 2013
Market Shoparound
-5% -4% -3% -2% -1% 0% 1%
<
192
0
19
20-1945
19
46-1979
19
80-1999 2000+
AA BIPI home quarterly average Contents premium movements by Year Built - April 2013
Market Shoparound
-2% -2% -2% -1% -1% -1% -1% -1% 0% 0% 0% 0%
<
1
9
2
0
19
20-1945
19
46-1979
19
80-1999 2000
+
AA BIPI home quarterly average Combined premium movements by Year Built - April 2013
Market Shoparound
-5% 0% 5% 10% 15% 20% 80 90 100 110 120 130 140 150 160 170 180 A p r-0 9 A u g-09 D e c-09 A p r-1 0 A u g-10 D e c-10 A p r-1 1 A u g-11 D e c-11 A p r-1 2 A u g-12 D e c-12 A p r-1 3
A
n
n
u
al
Ch
an
ge
Pr
e
m
iu
m
£
Apr-09 Jul-09 Oct-09 Jan-10 Apr-10 Jul-10 Oct-10 Jan-11 Apr-11 Jul-11 Oct-11 Jan-12 Apr-12 Jul-12 Oct-12 Jan-13 Apr-13 Annual Change 5.8% 5.3% 5.4% 11.5% 6.7% 3.5% 7.5% 10.2% 13.6% 11.8% 14.3% 9.5% 7.1% 6.9% 5.2% 2.2% -0.8% Buildings Premium 130.62 136.05 133.19 139.90 139.39 140.78 143.18 154.14 158.37 157.36 163.63 168.76 169.56 168.15 172.14 172.51 168.17
AA BIPI Home Buildings shoparound premium trends
-10% -5% 0% 5% 10% 15% 62 67 72 77 82 87 92 97 102 107 112 A p r-0 9 A u g-09 D e c-09 A p r-1 0 A u g-10 D e c-10 A p r-1 1 A u g-11 D e c-11 A p r-1 2 A u g-12 D e c-12 A p r-1 3
A
n
n
u
al
Ch
an
ge
Pr
e
m
iu
m
£
Apr-09 Jul-09 Oct-09 Jan-10 Apr-10 Jul-10 Oct-10 Jan-11 Apr-11 Jul-11 Oct-11 Jan-12 Apr-12 Jul-12 Oct-12 Jan-13 Apr-13 Annual Change -0.1% -7.9% -4.7% 4.4% 1.6% 9.5% 14.9% 8.3% 11.9% 8.2% 5.8% 11.2% 3.7% 4.8% 3.3% -0.5% -2.0% Contents Premium 74.28 70.55 70.28 73.94 75.47 77.23 80.72 80.11 84.49 83.54 85.40 89.12 87.63 87.56 88.23 88.68 85.86
AA BIPI Home Contents shoparound premium trends
Home price comparison market summaries
AA British Insurance Premium Index
Market Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Buildings £179.39 £184.54 - 2.8% £185.36 - 3.2%
Contents £115.74 £115.87 - 0.1% £115.72 + 0.0%
Combined £242.81 £246.91 - 1.7% £257.50 - 5.7%
Shoparound Summary
Average Premium Apr-13 Jan-13 Percentage
Change Apr-12
Percentage Change Buildings £112.16 £115.22 - 2.7% £116.54 - 3.8%
Contents £63.75 £62.90 + 1.3% £65.76 - 3.1%
Combined £153.23 £159.10 - 3.7% £163.57 - 6.3%
Number of Buildings insurers
used 64
Number of Contents insurers
used 58
Number of Combined
insurers used 67
Home Aggregator Average Premiums
April 2013
Aggregator Regional Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Border & TyneTees 52 £171.87 £177.06 -2.9% £109.71 £112.30 -2.3%
Central & Granada 170 £171.21 £176.01 -2.7% £108.81 £112.19 -3.0%
London & South 215 £198.99 £204.65 -2.8% £121.90 £125.00 -2.5%
Scotland 65 £163.83 £169.22 -3.2% £101.14 £104.40 -3.1%
Wales 39 £185.13 £190.61 -2.9% £115.67 £119.25 -3.0%
West & West Country 55 £166.26 £170.55 -2.5% £106.18 £108.52 -2.1%
Yorkshire & Anglia 153 £173.37 £178.27 -2.7% £109.07 £111.94 -2.6%
Aggregator Age Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change 17-22 17 £203.25 £214.48 -5.2% £116.64 £120.27 -3.0%
23-29 44 £201.25 £204.36 -1.5% £126.58 £130.05 -2.7%
30-39 208 £186.67 £192.70 -3.1% £117.92 £121.77 -3.2%
40-49 243 £181.33 £186.87 -3.0% £114.07 £117.01 -2.5%
50-59 120 £171.85 £176.11 -2.4% £108.89 £111.14 -2.0%
60-69 48 £158.65 £161.96 -2.0% £94.89 £97.44 -2.6%
70+ 69 £158.38 £162.05 -2.3% £95.23 £97.73 -2.6%
Aggregator Property Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Detached House 216 £201.68 £208.10 -3.1% £123.77 £127.23 -2.7%
Mid Terrace House 159 £178.87 £185.39 -3.5% £110.32 £113.76 -3.0%
Semi Detached House 238 £161.68 £165.98 -2.6% £105.68 £108.57 -2.7%
End Terrace House 19 £185.69 £190.74 -2.6% £117.17 £119.95 -2.3%
Semi Detached Bungalow 6 £152.30 £156.02 -2.4% £95.10 £97.04 -2.0%
Detached Bungalow 77 £164.97 £167.52 -1.5% £103.93 £105.17 -1.2%
Flat 34 £198.18 £200.79 -1.3% £111.36 £115.83 -3.9%
Aggregator Year Built Summary Buildings
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change <1920 193 £221.10 £227.81 -2.9% £130.48 £134.16 -2.7%
1920-1945 150 £184.41 £190.09 -3.0% £121.38 £124.95 -2.9%
1946-1979 301 £161.73 £166.14 -2.6% £103.03 £105.94 -2.7%
1980-1999 100 £147.38 £151.08 -2.4% £91.95 £93.59 -1.8%
2000+ 5 £122.42 £123.98 -1.3% £78.15 £80.39 -2.8%
Region Number of Risks
Market Shoparound
Age Number of Risks
Market Shoparound
Property Type Number of Risks
Market Shoparound
Year Built Number of Risks
Market Shoparound
Aggregator Regional Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Border & TyneTees 52 £109.52 £109.48 0.0% £61.62 £60.55 1.8%
Central & Granada 170 £123.02 £123.52 -0.4% £68.14 £67.41 1.1%
London & South 215 £117.88 £117.95 -0.1% £63.42 £63.15 0.4%
Scotland 65 £104.34 £103.63 0.7% £57.16 £55.88 2.3%
Wales 39 £108.99 £109.17 -0.2% £62.62 £61.31 2.1%
West & West Country 55 £106.99 £106.29 0.7% £61.13 £59.10 3.4%
Yorkshire & Anglia 153 £116.48 £116.97 -0.4% £64.07 £63.07 1.6%
Aggregator Age Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change 17-22 17 £152.58 £154.06 -1.0% £76.05 £74.00 2.8%
23-29 44 £138.83 £139.26 -0.3% £73.27 £72.76 0.7%
30-39 208 £124.39 £125.26 -0.7% £68.29 £68.09 0.3%
40-49 243 £115.18 £115.24 -0.1% £65.64 £64.36 2.0%
50-59 120 £107.87 £107.65 0.2% £60.86 £60.15 1.2%
60-69 48 £97.16 £96.67 0.5% £51.05 £49.48 3.2%
70+ 69 £94.48 £93.10 1.5% £48.13 £47.19 2.0%
Aggregator Property Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change Detached House 216 £116.26 £116.58 -0.3% £66.12 £65.79 0.5%
Mid Terrace House 159 £124.48 £125.65 -0.9% £65.64 £64.82 1.3%
Semi Detached House 238 £112.39 £112.19 0.2% £62.29 £60.95 2.2%
End Terrace House 19 £131.70 £131.90 -0.2% £67.96 £67.16 1.2%
Semi Detached Bungalow 6 £95.63 £94.95 0.7% £54.73 £55.02 -0.5%
Detached Bungalow 77 £102.30 £101.28 1.0% £57.79 £56.12 3.0%
Flat 34 £120.12 £119.18 0.8% £62.42 £63.05 -1.0%
Aggregator Year Built Summary Contents
Apr-13 Jan-13 Percentage
Change Apr-13 Jan-13
Percentage Change <1920 193 £129.64 £131.20 -1.2% £71.31 £70.84 0.7%
1920-1945 150 £119.23 £119.51 -0.2% £67.29 £66.72 0.8%
1946-1979 301 £108.56 £108.10 0.4% £58.94 £57.77 2.0%
1980-1999 100 £106.34 £105.27 1.0% £58.61 £57.48 2.0%
2000+ 5 £94.88 £94.19 0.7% £52.94 £53.31 -0.7%
Region Number of Risks
Market Shoparound
Age Number of Risks
Market Shoparound
Property Type Number of Risks
Market Shoparound
Year Built Number of Risks
Market Shoparound