Home insurance price index. 

Reliable insight that will enable you to optimise your pricing strategy.


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The independent authoritative source of price movements in the home insurance market, using real customer quotes from PCWs and key direct brands.

The data is used by the Office for National Statistics, regulators and insurance providers as the definitive benchmark of how price is changing for consumers.

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Benchmark the major home insurance brands

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Understand the data behind the home insurance cost index results

Home insurance price index methodology.

The methodology
  • For each risk, common to consecutive months, the variation is calculated from the average of the five cheapest premiums returned on each PCW in the previous month to the average of the Top 5 in the current month (regardless of which brands provided these quotes). The exercise is repeated on each PCW for each common risk.

  • The Overall Market Top 5 monthly variation is calculated by averaging across all these risk level Top 5 variations for common risks run in both months.
  • The monthly figures are concatenated up to produce the trended price index from a starting point of 100% in the base month.