In-depth: Driving through change

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The car insurance market has been an unprofitable area for insurers for years, with fierce competition among its players. 

But there is a small shimmer of light at the end of the tunnel, as motor premium rates slowly started turning upwards in the second half of 2014. In the fourth quarter of last year the AA British Insurance Premium Index reported an increase of 0.2% in motor rates (see box).

It is the first time since 2011 that prices have risen in two consecutive quarters and industry exper