Car insurance costs are going down but home insurance premiums are rising, it has been revealed.
Taking an average of the cheapest five premiums, the average fully comprehensive car insurance policy fell 2.9% to £844 in the period July-September 2012 compared with the previous three months, according to AA Insurance.
But after a summer of storms and floods, a similar survey of home buildings insurance revealed an average rise of 2.4% to £181 while home contents insurance rose 1% to £242.
Over the late-summer period, young male drivers saw their premiums fall 0.7% to £1,603 on average while those for young women fell 2.2% to £1,127.
All regions of the UK saw average car insurance premiums fall except Anglia, where they rose 1.4%. Scotland remains the cheapest region in which to buy car insurance (averaging £438) while Greater Manchester and Liverpool are the most expensive areas (£1,059).
On home buildings insurance, the AA reported a rise in every region in the UK in the late-summer period. The biggest regional increase, of 3.5% to £177, was in Yorkshire and East Anglia, while London and south east England were the regions with the highest average premiums (up 2.9% to £200).
Wales and the West Country had the cheapest home building premiums - up 1.1% to £157.
On home contents insurance, the highest premiums were in the central England and north west England regions - up 0.7% to £101. The cheapest regions were Scotland and the West Country, each with £79.
On car insurance, AA Insurance director Simon Douglas said: "Competition is tough in the insurance market, forcing many companies to reduce premiums despite the fact that costs show little sign of abating. Nevertheless, some are still increasing premiums.
"Motor insurance has been a focus of Government attention for some time and next year, new legal reforms are expected to reduce the cost of personal injury claims and fraud. Whiplash injury claims continue to pour in and under current legislation they are difficult for insurers to reject, even if they think they may be fraudulent, because it is difficult to prove whether or not a claimant has suffered."