@ Richardstock
Premiums will obviously peak at some point, probably following the clamping down of whiplash claims. HOW EVER, the insurers will just keep premiums at that inflated level anyway, and we will all breathe a sigh of relief when our premiums either stay the same or go up slightly more.
History (recent) has borne this out, just look at the price of oil versus the current price per litre. See how the price of wholesale commodities like gas has fallen, yet.we get passed on a fraction of this reduction (if any) whilst the utilities post record profits.
Insurance will plateau at the end of this year when it will be illegal to quote on gender, but in my opinion it will stay at that level and we shall doff our caps and feel grateful when our premiums stay the same.
We are that used to being stung on an annual basis we shall be grateful for small mercies.....