AA British Insurance Premium Index AA British Insurance Premium Index Quarter 1 2012 25 April 2012 The 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 index. Motor insurance premiums 2 Home insurance premiums 5 Index home and motor quarterly moves 8 Index market average trends since 1994 9 Media contact Ian Crowder 01256 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. The Automobile Association Limited 2012 Page 1 of 7
AA British Insurance Premium Index Motor insurance premiums Quarter 1 2012 Sharp motor premium rises over for now, AA Index shows Quarterly AA premium drops 1.1% Annual increase 7.7% smallest since 2008 The first quarter of 2012 has seen a fall in the average premium quoted for a typical comprehensive car insurance policy, according to the latest benchmark Index. At the end of March 2012 the average quote, based on the five cheapest premiums from a range of insurers against a nationwide basket of risks, had dropped by 1.1% to 1,132. * The same criteria applied to price comparison sites showed a fall of 4.3% to 737. The market average of all quotes in the Index showed almost no premium movement. The average quote for comprehensive cover remains at 1,542. The Index data shows that while a few insurers are heavily discounting to attract new business, others have continued to increase premiums. Over the year ending 31 March, the index rose by 7.7%, the smallest 12-month increase since 2008. While still higher than inflation, it is significantly less than the record 40.1% annual increase recorded in April 2011. For young drivers, men aged 17 22 also saw their premiums fall by almost 1% over the quarter although those for young women increased by 4.8%. Simon Douglas, director of AA Insurance, says that the fall in the quotes is welcome news for customers who have seen record premium increases over the past two years. However, he warns that the factors that drove premiums up haven t gone away. The industry is still having to deal with fraud as well as increasing numbers of personal injury claims, despite the number of crashes on Britain s roads falling. Industry costs continue to rise at around 10% per year, he says. I can t see this drop in premiums being sustainable for long. My fear is that if prices do continue to drop, we ll see a repeat of 2009, when industry losses led to premiums suddenly rocketing up following a long period of little movement. Continued The Automobile Association Limited 2012 Page 2 of 7
AA British Insurance Premium Index However, Mr Douglas believes that new legislation and other changes in the industry will help to bring costs under control. We are already beginning to see the number of uninsured drivers coming down due to better police detection and the introduction of Continuous Insurance Enforcement legislation last year, he says. In addition, insurers are getting smarter at dealing with and exchanging information about fraud, while the new police Insurance Fraud Enforcement Unit is making significant progress in tackling major insurance fraud such as cash-for-crash scams and ghost broking. I also expect new legislation designed to manage no-win no-fee personal injury claims will eventually help reduce costs. From December 2012, a European Court of Justice ruling means that insurers will no longer be able to use gender as a means of calculating insurance premiums. Young drivers will be particularly affected as young women pay premiums up to 40% less than their male counterparts. The latest figures suggest that insurers are starting to adjust their pricing ahead of the ruling, particularly for young drivers, Mr Douglas says. After December, young women can expect to see premium increases of up to 25%." However, Mr Douglas says that with government weight behind it, telematic or black box insurance points the way forward, particularly for young and inexperienced drivers. I expect this type of cover to become increasingly main-stream. It is gender-neutral and measures driver performance against criteria such as speed, time of day, cornering and braking, and can bring significant premium reductions for safe drivers. There is growing evidence to show that users of pay by performance systems such as AA Drivesafe are much less likely to be involved in a crash than those with conventional cover. * Following competition advice from the Office of Fair Trading, the index is now a summary of the five cheapest premiums for each risk in the basket of risks, not the three cheapest as previously. As a result the quoted figure is higher than in previous issues. In addition, the Index now includes additional premium data, provided by Business Insight, Premium Research and the AA. Continued The Automobile Association Limited 2012 Page 3 of 7
AA British Insurance Premium Index Motor insurance premiums Quarter 1 2012 Summary tables Summary Average Premium Apr 12 Jan 12 % Apr 11 % Comprehensive 1,542.26 1,541.59 0.0% 1,496.98 3.0% Third Party, Fire & Theft 1,959.03 1,933.50 1.3% 1,953.98 0.3% Summary Average Premium Apr 12 Jan 12 % Apr 11 % Comprehensive 1,132.24 1,144.64 1.1% 1,051.18 7.7% Third Party, Fire & Theft 1,642.40 1,629.45 0.8% 1,676.13 2.0% Aggregator Summary Average Premium Apr 12 Jan 12 % Apr 11 % Comprehensive 1,097.36 1,110.68 1.2% 1,042.13 + 5.3% Third Party, Fire & Theft 1,338.32 1,383.64 3.3% 1,270.20 + 5.4% Aggregator Summary Average Premium Apr 12 Jan 12 % Apr 11 % Comprehensive 736.51 769.47 4.3% 733.61 + 0.4% Third Party, Fire & Theft 1,001.14 998.43 + 0.3% 934.31 + 7.2% Download the Index (csv file) for motor insurance 2800 risks for car insurance Car insurance charts Motor insurance average premiums April 2012 (table) Quarterly movements for car insurance Premium changes by region Premium changes by age and gender Motor insurance comprehensive premium trends Motor insurance TPFT premium trends The Automobile Association Limited 2012 Page 4 of 7
AA British Insurance Premium Index Home insurance premiums Quarter 1 2012 Home insurance premiums flat, says AA Index Small premium rise for buildings, small fall for contents Insurance industry concerned about flood cover The latest benchmark Index shows that over the first quarter of 2012 the average cost of annual home and contents insurance policies fell slightly after a long period of sustained increases particularly for buildings cover. The summary, an average of the five cheapest quotes from a range of insurers against a nationwide basket of risks, shows that the cost of buildings cover increased by 0.5% to 181, while for contents cover the premiums dropped by 1.7% to 109.* The premium for a combined policy increased by 1.5% to 260. Over the 12 months ending 31 March, the index shows premiums for buildings rose by 7.1%; contents by 3.7%; and for combined buildings and contents policies 7.6%. Simon Douglas, director of AA Insurance says that while the premium increases of the past couple of years, particularly for buildings insurance, appear to have ended, insurers remain concerned about the effects of severe weather events on homes. We escaped with a relatively mild winter which didn't result in an avalanche of claims for damage caused by low temperatures and heavy snowfalls. In fact, the weather has remained dry, which has led to widespread hosepipe bans and speculation that there might be an increase in subsidence claims. It is true that extended periods of dry weather can lead to costly subsidence problems, and although we are seeing a small increase in such claims it will take sustained low rainfall coupled with high summer temperatures to cause another catastrophic subsidence year for the insurance industry. Meanwhile, the insurance industry is pressing for government action to ensure that after an agreement between the Association of British Insurers and the government expires in June 2013, homes in flood-risk areas will still be able to get cover. Mr Douglas says it s vital that a solution is reached quickly in order to ensure that at-risk homes can continue to be insured The UK insurance industry is unique in that its home policies automatically include flood cover. In other countries, flood risk is bought separately or is underwritten by state pooling arrangements funded by taxpayers, he adds. Continued The Automobile Association Limited 2012 Page 5 of 7
AA British Insurance Premium Index Mr Douglas points out that home insurance continues to provide extremely good value for money. The market average premium has risen by only 67 since 1994, when the quarterly AA Index started an average increase of less than 4 per year. Over the same period the market average premium for comprehensive car insurance has risen by over 64 per year. * Following competition advice from the Office of Fair Trading, the index is now a summary of the five cheapest premiums for each risk in the basket of risks, not the three cheapest as previously. As a result the quoted figure is higher than in previous issues. In addition, the Index now includes additional premium data, provided by Business Insight, Premium Research and the AA. Continued The Automobile Association Limited 2012 Page 6 of 7
AA British Insurance Premium Index Home insurance premiums Quarter 1 2012 Summary tables Summary Average Premium Apr 12 Jan 12 % Apr 11 % Buildings 232.68 233.97 0.6% 230.01 1.2% Contents 133.20 136.22 2.2% 128.52 3.6% Combined 336.97 335.49 0.4% 321.84 4.7% Summary Average Premium Apr 12 Jan 12 % Apr 11 % Buildings 181.11 180.26 0.5% 169.17 7.1% Contents 109.46 111.32 1.7% 105.54 3.7% Combined 260.39 256.50 1.5% 241.97 7.6% Download the Index (csv file) for home insurance: 750 risks for home insurance Home insurance charts Home insurance buildings average premiums April 2012 (table) Home insurance contents average premiums April 2012 (table) Home insurance combined average premiums April 2012 (table) Quarterly movements for home insurance Premium changes by region Premium changes by age Premium changes by property type Premium changes by year built Home insurance buildings premium trends Home insurance contents premium trends The Automobile Association Limited 2012 Page 7 of 7
AA British Insurance Premium Index Quarterly Movements - April 2012 HOME BUILDINGS HOME CONTENTS HOME COMBINED MOTOR COMP MOTOR NON-COMP July 1994 Average Premium 165.15 105.02 384.50 333.39 January 2012 Average Premium 233.97 136.22 335.49 1,541.59 1,933.50 April 2012 Average Premium 232.68 133.20 336.97 1,542.26 1,959.03 January 2012 Average Premium 180.26 111.32 256.50 1,144.64 1,629.45 April 2012 Average Premium 181.11 109.46 260.39 1,132.24 1,642.40 AA British Insurance Premium Index Quarterly Movements - April 2012 165.15 233.97 232.68 1,541.59 1,542.26 1,933.50 1,959.03 1,629.45 180.26 181.11 105.02 136.22 133.20 335.49 384.50 333.39 1,642.40 111.32 109.46 336.97 256.50 260.39 1,144.64 1,132.24 HOME BUILDINGS HOME CONTENTS HOME COMBINED MOTOR COMP MOTOR NON-COMP July 1994 Average Premium January 2012 Average Premium April 2012 Average Premium January 2012 Average Premium April 2012 Shouparound Average Premium The 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 non-comprehensive. 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 Movement" compares the market average premium this quarter with the previous quarter. The "" premium is an average of the five lowest premiums quoted by insurers in market surveys. 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.
Motor Average Premiums April 2012 Regional Summary Region Risks London 480 1,843.04 1,798.81 2.5% 1,322.24 1,333.58-0.9% South 362 1,222.71 1,242.34-1.6% 941.31 1,000.41-5.9% Anglia 236 1,389.99 1,356.54 2.5% 1,050.54 1,036.99 1.3% Central 364 1,474.81 1,480.67-0.4% 1,198.42 1,170.99 2.3% West & West Country 213 1,202.04 1,229.32-2.2% 886.67 937.88-5.5% Wales 187 1,361.49 1,280.96 6.3% 998.54 989.23 0.9% Granada 278 2,607.27 2,617.18-0.4% 1,836.77 1,842.17-0.3% Yorkshire 242 1,649.53 1,682.76-2.0% 1,335.64 1,335.07 0.0% Border & TyneTees 139 1,549.11 1,563.70-0.9% 1,169.19 1,163.37 0.5% Scotland 183 1,080.03 1,110.75-2.8% 803.74 807.28-0.4% Gender and Age Summary Male Age Risks 17-22 203 4,170.63 4,016.82 3.8% 3,515.49 3,546.99-0.9% 23-29 250 2,521.13 2,468.66 2.1% 1,765.48 1,806.10-2.2% 30-39 200 1,306.21 1,337.49-2.3% 924.68 914.23 1.1% 40-49 242 1,120.16 1,164.19-3.8% 814.79 809.73 0.6% 50-59 168 1,027.14 1,022.68 0.4% 734.82 795.78-7.7% 60-69 209 733.10 754.96-2.9% 558.06 555.46 0.5% 70 + 70 951.40 961.31-1.0% 690.76 702.66-1.7% Subtotal 1342 Female Age Risks 17-22 205 2,767.41 2,736.59 1.1% 2,330.48 2,224.22 4.8% 23-29 267 1,667.60 1,690.24-1.3% 1,193.86 1,174.93 1.6% 30-39 201 1,112.47 1,131.20-1.7% 770.56 775.08-0.6% 40-49 235 1,011.59 1,028.63-1.7% 749.59 740.98 1.2% 50-59 199 844.29 883.25-4.4% 602.09 616.86-2.4% 60-69 175 668.23 679.43-1.6% 474.90 486.73-2.4% 70 + 74 695.17 699.85-0.7% 479.37 484.44-1.0% Subtotal 1356 All Age Risks 17-22 408 3,478.63 3,385.47 2.8% 2,920.08 2,884.03 1.2% 23-29 517 2,088.82 2,074.40 0.7% 1,470.28 1,483.93-0.9% 30-39 401 1,209.34 1,234.34-2.0% 847.43 844.65 0.3% 40-49 477 1,066.55 1,097.25-2.8% 782.67 775.86 0.9% 50-59 367 927.85 946.97-2.0% 662.85 698.58-5.1% 60-69 384 703.69 720.72-2.4% 520.16 524.22-0.8% 70 + 144 818.16 825.35-0.9% 582.13 590.51-1.4% Total 2698
AA British Insurance Premium Index Motor Quarterly Moves - April 2012 COMP NON-COMP July 1994 Average Premium 384.50 333.39 January 2012 Average Premium 1,541.59 1,933.50 April 2012 Average Premium 1,542.26 1,959.03 January 2012 Average Premium 1,144.64 1,629.45 April 2012 Average Premium 1,132.24 1,642.40 AA British Insurance Premium Index Motor Quarterly Moves - April 2012 384.50 333.39 1,144.64 1,132.24 1,541.59 1,542.26 1,629.45 1,642.40 1,933.50 1,959.03 COMP NON-COMP July 1994 Average Premium January 2012 Average Premium April 2012 Average Premium January 2012 Average Premium April 2012 Average Premium The 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 non-comprehensive. 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 "" premium is an average of the five lowest premiums quoted by insurers in market surveys. 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.
Home Average Premiums April 2012 Regional Summary Buildings Region Risks Border & TyneTees 52 230.31 231.75-0.6% 166.54 164.99 0.9% Central & Granada 170 225.15 228.82-1.6% 181.83 183.01-0.6% London & South 215 249.42 247.59 0.7% 197.52 194.63 1.5% Scotland 65 217.90 219.01-0.5% 171.29 168.90 1.4% Wales 39 258.49 262.94-1.7% 186.77 188.34-0.8% West & West Country 55 216.98 220.22-1.5% 158.75 159.07-0.2% Yorkshire & Anglia 146 223.56 225.14-0.7% 172.58 172.20 0.2% Age Summary Buildings Age Risks 17-22 15 254.80 260.82-2.3% 177.52 176.86 0.4% 23-29 43 258.21 259.21-0.4% 200.33 198.20 1.1% 30-39 206 245.08 246.60-0.6% 186.64 184.94 0.9% 40-49 242 240.36 242.35-0.8% 185.39 185.47 0.0% 50-59 119 225.04 224.67 0.2% 170.96 169.96 0.6% 60-69 47 195.48 195.38 0.0% 168.04 167.69 0.2% 70 + 70 186.36 187.36-0.5% 165.06 164.13 0.6% Property Summary Buildings Property Type Risks Detached House 216 279.63 280.25-0.2% 187.82 186.24 0.8% Mid Terrace House 159 227.88 231.31-1.5% 185.65 185.91-0.1% Semi Detached House 239 204.09 207.42-1.6% 172.64 173.36-0.4% End Terrace House 19 221.05 222.39-0.6% 215.46 213.62 0.9% Semi Detached Bungalow 6 194.10 196.01-1.0% 143.16 141.59 1.1% Detached Bungalow 77 216.77 217.35-0.3% 168.41 166.87 0.9% Flat 34 207.15 189.89 9.1% 192.47 182.00 5.7% Year Built Summary Buildings Year Built Risks <1920 194 309.78 313.30-1.1% 210.31 210.82-0.2% 1920-1945 150 235.14 237.50-1.0% 179.38 179.11 0.1% 1946-1979 301 202.27 202.16 0.1% 170.82 169.20 1.0% 1980-1999 100 175.19 174.83 0.2% 156.91 154.74 1.4% 2000+ 5 147.56 147.77-0.1% 212.56 214.35-0.8%
Home Average Premiums April 2012 Regional Summary Contents Region Risks Border & TyneTees 52 127.91 131.76-2.9% 110.41 112.84-2.1% Central & Granada 170 143.98 147.30-2.3% 118.52 120.70-1.8% London & South 216 132.85 135.13-1.7% 108.21 109.94-1.6% Scotland 65 117.30 120.34-2.5% 93.83 95.10-1.3% Wales 39 124.62 130.06-4.2% 100.66 103.61-2.8% West & West Country 55 121.68 124.86-2.5% 95.33 96.89-1.6% Yorkshire & Anglia 153 136.58 139.36-2.0% 114.82 116.40-1.4% Age Summary Contents Age Risks 17-22 17 178.35 183.13-2.6% 120.00 119.00 0.8% 23-29 44 173.46 177.60-2.3% 121.15 123.59-2.0% 30-39 208 149.65 153.58-2.6% 117.68 119.99-1.9% 40-49 243 132.49 136.07-2.6% 107.70 110.11-2.2% 50-59 120 121.52 123.09-1.3% 103.87 104.91-1.0% 60-69 48 101.90 103.23-1.3% 103.76 104.86-1.1% 70 + 70 91.95 92.89-1.0% 94.78 95.63-0.9% Property Summary Contents Property Type Risks Detached House 216 133.86 137.45-2.6% 105.89 107.68-1.7% Mid Terrace House 159 143.71 147.78-2.8% 117.20 120.24-2.5% Semi Detached House 239 129.44 131.76-1.8% 107.94 109.16-1.1% End Terrace House 19 153.73 154.94-0.8% 137.32 139.86-1.8% Semi Detached Bungalow 6 111.80 115.09-2.9% 94.74 96.21-1.5% Detached Bungalow 77 114.65 117.29-2.3% 98.15 99.54-1.4% Flat 34 140.53 141.79-0.9% 119.35 121.38-1.7% Year Built Summary Contents Year Built Risks <1920 194 155.93 161.85-3.7% 121.68 125.38-2.9% 1920-1945 150 139.44 142.44-2.1% 109.83 111.32-1.3% 1946-1979 301 121.55 123.11-1.3% 103.94 105.14-1.1% 1980-1999 100 115.84 117.66-1.5% 100.63 101.46-0.8% 2000+ 5 112.32 115.84-3.0% 133.43 135.27-1.4%
Home Average Premiums April 2012 Regional Summary Combined Region Risks Border & TyneTees 52 329.72 328.93 0.2% 253.79 250.32 1.4% Central & Granada 170 340.97 340.74 0.1% 268.34 266.05 0.9% London & South 216 345.86 342.78 0.9% 268.76 263.06 2.2% Scotland 65 305.32 304.32 0.3% 227.98 224.12 1.7% Wales 39 348.12 349.06-0.3% 264.02 261.25 1.1% West & West Country 55 317.39 317.37 0.0% 237.08 233.85 1.4% Yorkshire & Anglia 153 340.09 337.92 0.6% 263.23 259.40 1.5% Age Summary Combined Age Risks 17-22 17 400.65 409.39-2.1% 277.23 275.07 0.8% 23-29 44 394.80 394.46 0.1% 285.71 280.97 1.7% 30-39 208 365.19 363.86 0.4% 274.34 269.56 1.8% 40-49 243 340.39 339.60 0.2% 263.11 259.54 1.4% 50-59 120 321.19 317.70 1.1% 247.85 244.22 1.5% 60-69 48 279.58 276.16 1.2% 244.48 242.07 1.0% 70 + 70 255.88 253.14 1.1% 221.91 218.19 1.7% Property Summary Combined Property Type Risks Detached House 216 382.10 379.52 0.7% 259.61 255.31 1.7% Mid Terrace House 159 340.51 341.04-0.2% 276.05 273.41 1.0% Semi Detached House 239 311.80 311.97-0.1% 251.50 248.85 1.1% End Terrace House 19 349.70 346.80 0.8% 306.72 301.16 1.8% Semi Detached 6 285.77 290.30-1.6% 253.38 247.92 2.2% Detached Bungalow 77 321.17 317.37 1.2% 246.49 241.43 2.1% Flat 34 248.41 237.99 4.4% 261.45 249.41 4.8% Year Built Summary Combined Year Built Risks <1920 194 412.94 414.11-0.3% 295.66 292.96 0.9% 1920-1945 150 351.58 350.76 0.2% 256.94 252.94 1.6% 1946-1979 301 302.52 299.84 0.9% 249.01 244.95 1.7% 1980-1999 100 275.72 271.96 1.4% 234.47 229.02 2.4% 2000+ 5 250.01 244.48 2.3% 199.05 193.22 3.0%
AA British Insurance Premium Index Home Quarterly Moves - April 2012 BUILDINGS CONTENTS COMBINED July 1994 Average Premium 165.15 105.02 January 2012 Average Premium 233.97 136.22 335.49 April 2012 Average Premium 232.68 133.20 336.97 January 2012 Average Premium 180.26 111.32 256.50 April 2012 Average Premium 181.11 109.46 260.39 AA British Insurance Premium Index Home Quarterly Moves - April 2012 165.15 180.26 181.11 105.02 136.22 133.20 111.32 109.46 233.97 232.68 256.50 260.39 335.49 336.97 BUILDINGS CONTENTS COMBINED July 1994 Average Premium January 2012 Average Premium April 2012 Average Premium January 2012 Average Premium April 2012 Average Premium The 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. 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 "" premium is an average of the five lowest premiums quoted by insurers in market surveys. 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.
AA BIPI Home Quarterly Average Buildings Premium Movements By Super Regions - April 2012 AA BIPI Home Quarterly Average Contents Premium Movements By Super Regions - April 2012 1.5% 1.0% 0.5% 0.0% -0.5% -1.0% -1.5% Border & TyneTees Central & Granada London & South Scotland Wales West & West Country Yorkshire & Anglia 0.0% -0.5% -1.0% Border & TyneTees Central & Granada London & South Scotland Wales West & West Country Yorkshire & Anglia -2.0% -2.5% -3.0% -3.5% -1.5% -4.0% -2.0% -4.5% AA BIPI Home Quarterly Average Combined Premium Movements By Super Regions - April 2012 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% -0.5% Border & TyneTees Central & Granada London & South Scotland Wales West & West Country Yorkshire & Anglia
AA BIPI Home Quarterly Average Buildings Premium Movements By Age - April 2012 AA BIPI Home Quarterly Average Contents Premium Movements By Age - April 2012 1.5% 1.0% 1.0% 0.5% 0.5% 0.0% 17-22 23-29 30-39 40-49 50-59 60-69 70 + 0.0% -0.5% -0.5% 17-22 23-29 30-39 40-49 50-59 60-69 70 + -1.0% -1.0% -1.5% -1.5% -2.0% -2.0% -2.5% -2.5% -3.0% AA BIPI Home Quarterly Average Combined Premium Movements By Age - April 2012 2.0% 1.5% 1.0% 0.5% 0.0% -0.5% 17-22 23-29 30-39 40-49 50-59 60-69 70 + -1.0% -1.5% -2.0% -2.5%
AA BIPI Home Quarterly Average Buildings Premium Movements By Property Type - April 2012 AA BIPI Home Quarterly Average Contents Premium Movements By Property Type - April 2012 10.0% 0.0% 8.0% 6.0% 4.0% -0.5% -1.0% -1.5% Detached House Mid Terrace House Semi Detached House End Terrace House Semi Detached Bungalow Detached Bungalow Flat 2.0% -2.0% 0.0% -2.5% -2.0% Detached House Mid Terrace House Semi Detached House End Terrace House Semi Detached Bungalow Detached Bungalow Flat -3.0% AA BIPI Home Quarterly Average Combined Premium Movements By Property Type - April 2012 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% -1.0% -2.0% Detached House Mid Terrace House Semi Detached House End Terrace House Semi Detached Detached Bungalow Flat
AA BIPI Home Quarterly Average Buildings Premium Movements By Year Built - April 2012 AA BIPI Home Quarterly Average Contents Premium Movements By Year Built - April 2012 1.5% 0.0% 1.0% -0.5% <1920 1920-1945 1946-1979 1980-1999 2000+ -1.0% 0.5% -1.5% 0.0% -0.5% <1920 1920-1945 1946-1979 1980-1999 2000+ -2.0% -2.5% -3.0% -1.0% -3.5% -1.5% -4.0% AA BIPI Home Quarterly Average Combined Premium Movements By Year Built - April 2012 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% -0.5% <1920 1920-1945 1946-1979 1980-1999 2000+