The findings come amid shifting conditions in the UK motor and home insurance markets. Motor insurance premiums have dropped significantly over the past year, with the average comprehensive car insurance premium falling to around £735 in September 2025, down 16% from a year earlier and 26% below the December 2023 peak of £995. This decline suggests the market is stabilising after a period of sharp premium hikes, although claims payouts remain elevated, reaching £11.7 billion in 2024 due to theft, repair costs and inflationary pressures.
