Common quoted costs for residence insurance coverage proceed to fall as competitors intensifies with suppliers slicing premiums and new entrants becoming a member of the market, based on the newest Shopper Intelligence Residence Insurance coverage Worth Index¹.
Authorized bills, breakdown, courtesy automobile, private accident and windscreen cowl play a essential position in how clients expertise worth – and in how insurers generate margin. Our newest evaluation of value comparability web site (PCW) journeys and minimal add-on costs (October 2025 vs February 2025) exhibits simply how vast the hole has turn into between what clients suppose they’re shopping for and what they really obtain.
Quoted premiums fell 12.1% up to now 12 months and by 1.0% up to now three months, displaying milder deflation than the 4.8% recorded within the earlier quarter. Throughout the entire market, the common Rank 1-5 new enterprise quoted premium was £259 in December 2025 in comparison with £299 in December 2024.
Premiums have mostly been quoted between £150 and £199, with 28% of quotes falling inside that vary. In December 2025, 64% of customers might supply quotes for lower than £200 in contrast with 54% a yr in the past.
“In December, three out of 4 PCWs skilled their 2025 peak within the variety of suppliers quoting, following the launch of latest merchandise. All year long, the variety of suppliers commonly showing in Rank 1-5 positions elevated, indicating heightened competitors,” stated Laura Vas, Senior Perception Analyst at Shopper Intelligence.
“Throughout This autumn 2025, whereas premiums for Mixed insurance policies skilled minor deflation, the Buildings-Solely market noticed a deeper discount in premiums at 2.2%. In distinction, the Contents-only sector remained steady with a slight enhance of 0.1%. Noteworthy additions included Churchill Necessities and City Jungle Primary, whereas insurers similar to Aviva and Safeguard Bronze lowered premiums on sure PCWs,” she provides.
Lengthy-term view
General, quoted premiums have risen by 45.2% since Shopper Intelligence first began amassing information in February 2014.
Regional Developments
Properties in Wales have seen essentially the most important annual deflation at 15.8%, adopted by Japanese at 13.6% and East Midlands and West Midlands each at 13.2%. Within the final three months, six of the 11 areas noticed deflation, most notably London and Scotland at 3.3% and 3.2% respectively.
All areas noticed annual decreases with 9 out of 11 experiencing double digit drops. The North East noticed the one quarterly inflation at 1.0%. Properties in London proceed to have the very best common quoted Rank 1-5 premiums at £399, whereas the North East sees the bottom at £193.
Age variations
Quoted premiums for under-50s households have fallen 11.8% up to now 12 months, just like a 12.3% drop for the over-50s.
Over the previous three months quoted premiums for the under-50s have fallen 0.7% in contrast with 1.4% for the over-50s. Since Shopper Intelligence began monitoring quoted costs in 2014, they’ve elevated by 53.9% for the over-50s and 38.7% for the under-50s.
Property age
Quoted premiums for properties of all ages have fallen yearly. Properties constructed between 1895-1910 noticed the most important lower at 16.2%, whereas older properties constructed pre-1895 skilled the smallest discount at 7.6%. Put up-millennium houses noticed the strongest quarterly deflation at 4.7%.
Older properties constructed previous to 1900 proceed to draw the very best Rank 1-5 quoted premiums at £497, whereas houses constructed between 1940-1955 obtain the bottom common quotes at £214.
Knowledge from the Shopper Intelligence Residence Insurance coverage Worth Index is utilized by the Workplace for Nationwide Statistics, regulators, and insurance coverage suppliers because the definitive benchmark of how value is altering for customers.
Residence Insurance coverage Worth Index
The unbiased authoritative supply of value actions within the residence insurance coverage market, utilizing actual buyer quotes from PCWs and key direct manufacturers.
¹ For every danger, frequent to consecutive months, the variation is calculated from the common of the 5 least expensive premiums returned on every PCW within the earlier month to the common of the High 5 within the present month no matter which manufacturers offered these quotes. The train is repeated on every PCW for every frequent danger. The General Market High 5 month-to-month variation is calculated by averaging throughout all these danger stage High 5 variations for frequent dangers run in each months. The month-to-month figures are concatenated as much as produce the trended value index from a place to begin of 100% within the base month.
