The average home insurance premium tumbled to a six-year low in winter 2015/16, but only those shopping around at renewal are likely to see the full benefit.
This is because insurers reserve their best prices to attract new customers, with prices often rising year-on-year for those who simply renew with the same firm.
Our survey of premium changes across the UK shows that there have been losers as well as winners in the national postcode lottery.
Across the UK, prices fell by 6%, or £7, in winter 2015/16 compared to the previous winter. The average premium now stands at £109 for combined buildings and contents cover.
Homeowners in Shrewsbury enjoyed the biggest year-on-year price falls, with average premiums dropping 12%, or £13.28. Premiums in Dudley also fell by 12%, knocking £13.19 off the average policy.
There were steep drops, too, in Carlisle, Salisbury and Dorchester, as well as Galashiels, Swindon and Dundee, where prices slumped by about 11%.