BUZZ-esure Group: falls on Berenberg downgrade
** Motor insurer esure Group Plc falls 3 percent after Berenberg downgrades the stock from a "buy" to a "hold"
** The stock, which has rallied nearly 18 percent since the beginning of the year, is the biggest loser on the FTSE All Share (LSE: SHRE.L - news) non-life insurance index
** Berenberg concerned that the recent stabilisation in UK motor rates has been overplayed by the market, 2015/16 underwriting margins will disappoint
** esure, which recently bought the remaining stake in Gocompare.com Holdings Ltd, writes home and car insurance in the UK and owns the Sheilas' Wheels brand
** UK car insurance premiums rose 0.2 percent in the fourth quarter, followed by a first quarterly rise of 1.2 percent in the third quarter, according to the roadside recovery service the AA Plc (aashika.jain.thomsonreuters.com@reuters.net)