+ How to get the cheapest car insurance

+ Insurers' victory in battle over payouts

The recent fall was the result of alterations made by insurers following their partial victory in a battle over how personal injury payouts are calculated.

In March, the government introduced a new formula for calculating compensation payments for those who suffer long-term injuries, which insurers said would raise their costs and, in turn, premiums. Following consultation by the Ministry of Justice and the Scottish government, new draft legislation was published in September that would change the way the so-called discount rate is calculated.

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