How normal are you? Mr and Mrs Average revealed

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How normal are you? You get a glimpse from new research by Aviva claims shifting demographic trends for Mr and Mrs UK Average. From popular first names - Nigel and Alison are replaced by Emma and Daniel - to the car you drive and the house you live in.

Some of the findings, as people age, are predictable. So how meaningful are the changes?

Bye Garry, hi Matt

As far as names go, Emma, Daniel, Matthew and Rachel are the new names with the highest concentration among the 18-25 age group, while their parents' generation (45-54) contains half of all Garys and Deborahs, Nigels and Alisons, claims Aviva.

"As we hit middle age, we reach the pinnacle of property ownership with the greatest concentration of semi-detached (25%) and detached (27%) properties lived in by people between 45 and 54. These age groups," says Aviva," are also most likely to have three bedrooms and two or more bathrooms."

Hardly earth-shattering news. As far as valued possessions go, there is one everyone agrees would be a massive loss if stolen - the laptop. But above the age of 55, says Aviva, "losing possessions such as photos, heirlooms and books is a bigger concern with around one in four people citing these items."

Corsa, Clio, 106 - all common?

As far as wheels, around half of Peugeot 106s, Vauxhall Corsas and Renault Clios are owned by 18-24 year olds. The 25-34 age group are more likely to go for a sportier model with a third of all Toyota Celicas and Ford Pumas owned, apparently, by this age group.

Utility vehicles dominate the family-orientated middle ages, with 41% of Vauxhall Zafiras owned by 35-44 year olds and 28% of Citroen Xsara Picassos owned by 45-54 year olds. With a family grown up, the older age groups downsize, with almost half of all Honda Jazz's (45%) owned by those over the age of 55.

Other car brand names that traditionally attract the older buyer include Skoda and Vauxhall. Lastly, Aviva claims that live begins at 32 - the age when people are most content, reckons the insurer. Surely a mistake?

Are your early thirties so great?

Many people in their early thirties are weighted down either by large mortgages or rent pressure, considerable job insecurity and the growing demands of a family. The business of getting a life together, plus paying for it, looms large.

Presumably this piece of research from Aviva is partly designed to nudge you towards more laptop or car insurance. But if you must buy insurance, for example, make sure your policy is definitely not average as policies are riddled with sneaky exclusions and get-outs.

If you're in the market for laptop cover, make sure your home insurance doesn't already cover it. And if you buy a cheap laptop, consider whether insurance is really worth it. And make plenty use of cloud storage, like Dropbox. So if you lose your laptop, you don't completely lose your stuff.

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