{"id":2512,"date":"2022-07-22T14:44:53","date_gmt":"2022-07-22T13:44:53","guid":{"rendered":"https:\/\/www.pearsonhamgroup.com\/?p=2512"},"modified":"2024-04-10T14:07:19","modified_gmt":"2024-04-10T13:07:19","slug":"rate-increases-must-be-expected-as-inflation-bites","status":"publish","type":"post","link":"https:\/\/www.pearsonhamgroup.com\/fr\/rate-increases-must-be-expected-as-inflation-bites\/","title":{"rendered":"Rate Increases Must Be Expected as Inflation Bites"},"content":{"rendered":"<p>Rate Increases Must Be Expected as Inflation Bites<\/p>\n<h3>Insurance Times\u00a0 &#8211; Expert View July\/August 2022<\/h3>\n<h5><strong>Stephen Kennedy, director of insurance pricing at Pearson Ham, explains recent pricing movements in the motor and home insurance markets<\/strong><\/h5>\n<p>For the past two years, general insurance prices have been falling. In the new business market, there\u00a0were premium increases at the end of 2021, ahead of the FCA\u2019s regulation changes. However, the most competitive quoted prices for car insurance remain about 10% lower than in March 2020. The ABI has confirmed this trend. It reported in May 2022 that the average car insurance price paid by consumers, both at new business and renewal, fell by 5% in the first quarter of 2022, compared with 2021. Although reported loss ratios in this line of business deteriorated in 2021 following the easing of Covid-19 restrictions, they did not return to pre-pandemic levels. This created a buffer, enabling insurers to maintain competitive rates. The impact of the whiplash reform, which was implemented in May 2021, has also had a more positive impact than many insurers expected \u2013 again, helping keep prices lower.<\/p>\n<h5><strong>Market rebalancing<\/strong><\/h5>\n<p>Following the FCA\u2019s ban on dual pricing, retention rates are at an all\u00a0time high, which is putting pressure on new business premiums. Quote demand has plummeted and customers who were shopping around are now less likely to convert. This rebalancing has forced new business prices up, but insurers have done what they can to mitigate this in\u00a0a highly competitive market. Many new \u2018economy\u2019 propositions and product tiers have been launched since the middle of 2021 and compulsory excess levels have risen. However, there are external pressures which are likely to force change too. The cost of living and inflation have\u00a0been rapidly increasing across the UK since early 2021. The Office for National Statistics reported in June 2022 that the Consumer Prices Index rose by 9.1% in the 12 months to May 2022, with a\u00a0forecast of double digits likely soon to come to fruition. As well as making it more likely that people will cancel insurance policies, times of economic hardship are also linked to an increase in claims and fraudulent activity. Bodily injury is an area that has historically been highly correlated with the cost of living. Insurance claims inflation is also on the rise. Labour shortages, supply chain disruption and the cost of materials and parts continue to significantly affect motor and home insurance costs. In May 2022, the average top five motor insurance prices quoted on Pearson Ham\u2019s consumer panel were relatively flat compared with the previous month, owing to new, lower priced propositions and price increases being observed for many of\u00a0the established brands. In June 2022, however, the most competitive prices rose by about 0.5%, with increases from most of the larger providers.<\/p>\n<h5><strong>Inevitable increases<\/strong><\/h5>\n<p>In the new business home insurance market, prices have continued to fall following the dual pricing rebalancing. However, price reductions in June 2022 have been smaller than previous months. There is still a great deal of market volatility, with relatively large upward and downward movements observed. The home market has been slower with new proposition launches following the introduction of the FCA\u2019s new pricing rules, but a trend of lower cover, higher excess products is now in evidence. As with motor, we would expect subdued prices to start to turn in the next month or two. The general insurance market remains intensely competitive, with lower than expected demand and conversion rates causing challenges at acquisition. However, there are few options left and rate increases for the second half of the year must now be inevitable.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rate Increases Must Be Expected as Inflation Bites Insurance Times\u00a0 &#8211; Expert View July\/August 2022 Stephen Kennedy, director of insurance pricing at Pearson Ham, explains recent pricing movements in the motor and home insurance markets For the past two years, general insurance prices have been falling. In the new business market, there\u00a0were premium increases at [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":2508,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-2512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.7 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Inflation Bites: Rate Increases Must Be Expected<\/title>\n<meta name=\"description\" content=\"Stephen Kennedy, director of insurance pricing at Pearson Ham, explains recent inflation movements in the motor and home insurance markets.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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