Average premiums, how often people claim, and what gets paid out — from FCA product sales data, so you can spot a bad quote instantly.
A high claim frequency with a decent payout (pet insurance) means very different value from low-frequency cover.
| Product | Avg premium | Median | Claim frequency | Avg payout |
|---|---|---|---|---|
| Car (17-24) | £1,850 | £1,450 | 18.3% | £4,100 |
| Car (25-34) | £658 | £525 | 12.5% | £3,200 |
| Pet | £485 | £420 | 22.8% | £2,100 |
| Home | £385 | £320 | 4.2% | £8,500 |
UK-wide averages, 2024-Q2. Your quote depends on postcode, history and cover level — that's why comparing matters.
We show the official numbers; these sites run live quotes across dozens of providers.
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