Editor's comment: Learn your motoring history

The motor insurance market as a whole has reportedly failed to make an operating profit since 1994, despite some isolated pockets of success. Some analysts, such as EY, predicted an increase of around 2% in motor rates this year – which will end the 13% drop in premiums over the past two years – but even with these predictions came the warning that a rise of this level will do little to curb the industry’s long-term unprofitability in the sector.

Against this backdrop, insurers received more bad news this week in the form of research carried out by Deloitte, which found insurers are in danger of presiding over an underwriting loss in the home