Business & Technology
UK motor insurance switching falls to lowest since 2023
Motor insurance switching in the UK fell to its lowest level since 2023 in the fourth quarter of 2025, according to LexisNexis Risk Solutions. Its latest market analysis also showed the insured value of vehicles continued to decline.
Only 21% of consumers shopping for motor insurance changed provider in the final quarter of 2025, the lowest level recorded since the first quarter of 2023, according to the company’s Insurance Demand Meter UK.
The data points to a calmer retail market after a period of heavy shopping activity, with consumers less likely to move insurer as premiums eased through 2025. Across the year, around 17,000 fewer consumers a day shopped for motor insurance than in 2024, although activity picked up slightly in the last quarter, with roughly 1,000 more daily shoppers than in the same period a year earlier.
The report also highlighted changes in the insured vehicle fleet. The average value of a UK vehicle fell by almost £1,000 between the second half of 2023 and the second half of 2025, to about £10,000. Over the same period, average vehicle age rose by about five months, from 10 years to around 10 years and five months.
That suggests motorists are holding on to cars for longer as household budgets remain under strain. For insurers, an older vehicle parc can mean a less uniform mix of safety and driver-assistance systems, as well as differing maintenance histories and repair needs.
Chinese brands
The analysis also pointed to a gradual but steady rise in Chinese car brands within personal lines insurance. These marques accounted for 1.2% of policies by the end of 2025, up from 0.6% in 2022, with market share rising quarter by quarter through the year.
The shift reflects the broader arrival of new electric vehicle entrants in the UK market, particularly from China, as insurers assess models with relatively limited historical claims and repair records. That can make pricing more difficult, especially alongside changing repair costs and the spread of different in-car technologies.
The combination of ageing vehicles and a growing presence of newer Chinese models is adding pressure to underwriting and pricing decisions, the analysis found. Older cars may have lower market values, but they can still create uncertainty if data on condition, equipment and maintenance is incomplete. Newer imported models present a different challenge, with less established data on claims frequency, repair complexity and parts costs.
Pricing pressure
The analysis linked the moderation in shopping and switching during 2025 to falling motor insurance premiums and wider inflation trends. But it also warned that rising repair bills, claims inflation and broader inflationary pressures tied to geopolitical uncertainty could reverse that pattern and push premiums higher again.
Any renewed increase in premiums would likely lead to more consumers comparing policies and considering a switch. That would mark a return to the higher levels of shopping activity seen when motor insurance prices were rising more sharply.
For insurers, the challenge is becoming more granular. Understanding a car’s exact specification, safety features, value and condition has become more important as the make-up of the UK car parc changes. Advanced driver-assistance systems, known as ADAS, can affect both risk and repair costs, yet older cars may include different generations of the technology or none at all.
A brief context note accompanied the findings from the company’s insurance product team.
“Chinese vehicle manufacturers continue to expand their footprint across the U.K. market. For the insurance industry, this can create challenges where limited historical claims and repair data is available. In response, we’re seeing increasing demand for vehicle-level insights at the point of quote and claim, including intelligence about ADAS features that can help insurers assess risk, repairability and potential claims costs.
“At the same time, the market is insuring older cars with depreciating values. Knowing the status, maintenance history and real-time value of these vehicles is central to fair policy pricing and customer transparency throughout the insurance claims process.
“As pricing pressures continue to mount, it will become even more critical for motor insurance providers to deploy granular data on the vehicles they are insuring to help ensure the product and price are right for the individual risk and that customers get the best outcome in a claim,” said Tom Lawrie-Fussey, Associate Vice President of Insurance Product Management, U.K. and Ireland, LexisNexis Risk Solutions.
The Insurance Demand Meter UK draws on billions of consumer shopping transactions and vehicle records flowing through LexisNexis systems, offering a view of how motorists compare policies and how insurers respond to changes in pricing and risk.
The latest findings suggest that while the immediate rush to switch cover has eased, the underlying pressures in the motor market have not disappeared. The average insured vehicle is older and worth less, while newer Chinese brands make up a growing share of the market, leaving insurers to price a more varied and less predictable mix of risks.
Business & Technology
Network Rail will not reopen Botley Road early despite completion
Gas network company SGN confirmed it had repaired three minor gas leaks and left the site on Monday, August 3, six days earlier than expected.
The leaks were discovered during excavation works last month and contributed to the pushing back of the road’s reopening date, yet again, to September 20.
The completion of the gas mains replacement marked a significant step forward in the wider Oxford Station improvement project, which was originally budgeted at £161 million but is now expected to cost at least £237 million.
The development prompted hopes that Botley Road, closed beneath the rail bridge since April 2023, could reopen earlier than planned.
However, Network Rail has moved to manage expectations, saying the project remains on course to meet its existing target date rather than finish ahead of schedule.
A Network Rail spokesperson said: “We’re pleased that SGN has completed its gas mains replacement work.
“While this is an important milestone, it doesn’t necessarily mean the overall project will finish early as some remaining work is dependent on access to the railway, which we have had to rearrange to enable the replacement of the gas main.
“Our focus remains on meeting our planned deadline of 20 September for reopening Botley Road to traffic.”
While the completion of the gas works removes one of the most recent obstacles facing the scheme, Network Rail says further work under the bridge and around the station is still needed before the route can reopen to traffic.
Business & Technology
40-year-old Oxfordshire gymnastics club at risk of closure due to heat
The club is currently struggling in the summer heat, and has launched a new fundraiser to keep its gymnasts safe.
The club, which is based at Grove House Barn near Warkworth in Banbury, launched the fundraiser so it could buy and install four air conditioning units to keep its space cool.
Currently, the club hopes to raise £7,000 through the appeal so it can buy four 10kW air conditioning units and cover all the installation costs.
So far, the club has raised £380.
Karl Wade, director of Wade Gymnastics, said the club has become “increasingly warm” during the summer months due to the rising temperatures.
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Wade Gymnastics at Grove House Barn in Banbury (Image: Google Maps)
“Despite our best efforts to keep doorways and shutters open, it becomes very uncomfortable for gymnasts to play and train,” Mr Wade said.
He added: “The safety of our gymnasts and coaches is always our utmost priority.
“Unfortunately, the risk of having to close the business during these hot spells is increasing and we need to have more effective ways of keeping everyone cool.
“An air conditioning system would allow the business to stay open during those extreme hot conditions and continue to provide classes for everyone who attends.”
The gym currently delivers classes seven days a week for around 900 people, which range from toddlers to athletes competing at national level.
The gym club was founded more than four decades ago by Ruth Wade and, for the past 20 years it has been based at its current facility.
Business & Technology
Solihull Council appoints ICS.AI for AI discovery phase
SOFIAH NICHOLE SALIVIO
News Editor
Solihull Council has appointed ICS.AI to deliver the first phase of an AI Transformation Discovery programme to examine how artificial intelligence could be used across several resident-facing services.
The 24-week programme will review opportunities in Adult Social Care, Children’s Services, Economy & Infrastructure, and Public Health. It is intended to help the council decide where AI could be used and where future spending should be directed.
In this first phase, ICS.AI will assess the council’s readiness for AI and identify use cases across the four service areas. The programme is expected to produce a prioritised shortlist of about 200 use cases, including 50 validated from a finance perspective, alongside a longer-term AI Transformation Roadmap.
The work is intended to create an evidence base before any wider implementation decisions are taken. Ethics, privacy, and safeguarding will be considered throughout the assessment process.
Discovery phase
ICS.AI will use its AI Target Operating Model framework to review Solihull’s current position across five dimensions before ranking opportunities. The outputs will be based on council-owned baseline data and reviewed by public sector specialists.
The approach reflects a broader pattern among local authorities exploring AI in service delivery while facing pressure to justify spending and manage risks around data use and public accountability. Councils have also been seeking clearer business cases before committing to larger technology programmes.
Solihull said the discovery exercise would support a measured approach to service modernisation. The authority wants to identify where AI could improve services for residents while also demonstrating value for money.
“We are committed to taking a well-considered and planned approach to modernising the services we provide. By building a strong evidence base for future decisions, this programme will help us understand where the greatest AI opportunities exist. We will then be able to prioritise those improvements that will deliver the greatest benefit for residents, while ensuring full value for the council,” said Councillor Dave Pinwell, Cabinet Portfolio Holder for Resources, Solihull Council.
Public sector focus
ICS.AI said the Solihull engagement builds on work it has carried out with more than 20 public sector organisations using its AI transformation and discovery assessments. Those organisations include Derby City Council.
The company focuses on AI projects for the public sector, where interest has increased as authorities look for ways to manage demand pressures in social care, public health, and other frontline services. At the same time, councils are under scrutiny to show that new technology investments are proportionate and supported by practical evidence.
Dwayne Johnson, Chief Local Government Officer at ICS.AI, said local authorities need stronger justification before committing funds. “Local authorities need confidence that every investment is backed by robust evidence and long-term value for residents. Solihull Council is taking the right approach by starting with a structured discovery programme that builds a clear understanding of priorities before decisions are made. By developing finance-validated business cases and a practical roadmap, the council can be more proactive in the decisions it makes,” he said.
The programme’s initial outputs are expected to give Solihull a ranked view of where AI could be applied across services, the level of organisational readiness, and which projects may warrant further consideration. This first phase is focused on identifying options rather than moving directly into deployment.
For local government leaders, that distinction is becoming increasingly important as councils test AI in areas that affect vulnerable residents and essential public services. In Solihull’s case, the work spans some of the authority’s most visible functions, including care services, children’s provision, public health activity, and parts of local infrastructure planning.
The council aims to use the findings to inform later investment decisions through finance-validated business cases and a practical roadmap for future priorities.
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