Car insurance costs are going down - but home insurance premiums are rising, the AA has revealed.
Taking an average of the cheapest five premiums, 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 at £1,059.
On home buildings insurance, the AA reported a rise in every region in the UK over the late summer period.
The biggest regional increase, of 3.5% to £177, was in Yorkshire and East Anglia, while London and southeast 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.
AA Insurance director Simon Douglas said: "I am very concerned that no agreement has yet been reached in finding an affordable option to the 'statement of principles' between the insurance industry and the Government.
"(This) ensures that families in flood-prone properties can continue to obtain flood cover.
"This expires in June next year, and if no agreement is reached soon, could lead to the most vulnerable homes becoming uninsurable."