Car insurance premiums have yet to be impacted by this summers flooding, a new study states.

Experian's Motor Insurance Benchmark claims that the average quote for comprehensive cover reached £567.30 during the third quarter of this year - but this represented an increase of only 0.8 per cent on the same figure for quarter two (526.70).

This small rise came despite the recent floods, the benchmark study reveals.

Comprehensive and third party, fire and theft premiums all rose significantly during the third quarter, however.

"The June dip in broker prices is probably a result of new products being brought onto the market and, therefore, being priced more competitively," David Murby, Managing Director of Experian's insurance service division, said.

"However, the subsequent increase in broker premiums is not a result of the floods that month. The broker market tends to react slower than the direct market to events such as flooding, so the increases we are seeing now are highly likely to have been pending prior to the floods.

"For nearly two years, comprehensive car insurance premiums in the direct market have been higher than in the broker market. However, the recent increase in broker prices means the gap between the two markets is closing and broker prices have almost reached the level they were at two years ago, before they started dropping.

"The true impact of the floods is likely to manifest itself in insurance premiums over the next few months in the direct market once claims have been settled and insurers have been able to assess the real impact. The broker market is likely to follow suit."

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