Common quoted costs for dwelling insurance coverage proceed to fall as competitors intensifies with suppliers chopping premiums and new entrants becoming a member of the market, in accordance with the newest Shopper Intelligence Dwelling Insurance coverage Value Index¹.
Authorized bills, breakdown, courtesy automobile, private accident and windscreen cowl play a important 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 broad the hole has grow to be between what clients suppose they’re shopping for and what they truly obtain.
Quoted premiums fell 12.1% prior to now 12 months and by 1.0% prior to now three months, displaying milder deflation than the 4.8% recorded within the earlier quarter. Throughout the entire market, the typical 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 shoppers may 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 recent merchandise. All year long, the variety of suppliers often showing in Rank 1-5 positions elevated, indicating heightened competitors,” mentioned 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 secure with a slight improve of 0.1%. Noteworthy additions included Churchill Necessities and City Jungle Primary, whereas insurers akin to Aviva and Safeguard Bronze diminished premiums on sure PCWs,” she provides.
Lengthy-term view
Total, quoted premiums have risen by 45.2% since Shopper Intelligence first began accumulating information in February 2014.
Regional Traits
Properties in Wales have seen essentially the most vital 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 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% prior 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 properties noticed the strongest quarterly deflation at 4.7%.
Older properties constructed previous to 1900 proceed to draw the best Rank 1-5 quoted premiums at £497, whereas properties constructed between 1940-1955 obtain the bottom common quotes at £214.
Information from the Shopper Intelligence Dwelling Insurance coverage Value Index is utilized by the Workplace for Nationwide Statistics, regulators, and insurance coverage suppliers because the definitive benchmark of how value is altering for shoppers.
Dwelling Insurance coverage Value Index
The unbiased authoritative supply of value actions within the dwelling 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 typical of the 5 most cost-effective premiums returned on every PCW within the earlier month to the typical 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 Total 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.