The average premium for motor insurance in 2014 fell by 4% from 2013, according to the Association of British Insurers (ABI).

The ABI confirmed the average premium for 2014 was £360.75 - down from £374 in 2013.
The ABI said ongoing competition in the market and a reduction in lawyers' fees caused the drop in premiums, and savings of £595m were passed to motorists.
James Dalton, director of general insurance policy at the ABI, said a stronger economy and lower oil prices led to greater car usage, therefore increasing road accidents.
He said: "In 2014 we have seen an increase in low value claims starting to feed through into pricing. This is not surprising as rising economic confidence, high employment levels and falling oil prices have seen more cars on the road and greater use of cars for work and business use which increases accident volumes."
Dalton also explained how new body MedCo would help reduce whiplash claims. Set up last year, MedCo is an independent body funded by the insurance industry to randomly assign medical experts to assess soft tissue injury claims in order to reduce whiplash frauds.
He said: "The introduction of MedCo to oversee the production of independent medical reports in whiplash claims should deter the cheats and ensure honest motorists continue to get competitively-priced motor insurance."