{"$schema": "https://iptc.org/std/ninjs/ninjs-schema_3.2.json", "uri": "urn:newsml:wireva.mib.news:item:85796a70-f55f-4049-a8b1-958cb4701313", "type": "text", "profile": "standard", "version": "1", "versioncreated": "2026-11-09T08:40:38.426655Z", "firstcreated": "2026-11-09T08:40:26.971189Z", "pubstatus": "usable", "urgency": 5, "language": "en", "headline": "Motor insurers face steep premium rises as claims costs climb", "byline": "George Kensington", "located": "United Kingdom", "copyrightholder": "Haydamax OÜ", "copyrightnotice": "Wireva / Nobel", "usageterms": "Subscribers may republish this item in full, including translation and trimming, with the credit “Wireva / Nobel”. Set rel=canonical to https://nobel.observer/business/motor-insurers-face-steep-premium-rises-as-claims-costs-climb/ when publishing on the web.", "description_text": "Consultancy EY projects car insurance premiums to rise 4 per cent this year and 12 per cent next year, as insurers struggle with loss-making books and rising claims costs.", "altids": {"mosaic": "85796a70-f55f-4049-a8b1-958cb4701313", "story": "84a4ad09-bb85-4fc4-b9a8-3ac386c1b51c", "slug": "motor-insurers-face-steep-premium-rises-as-claims-costs-climb"}, "subject": [{"name": "Economy and business", "rel": "direct", "literal": "economy", "code": "medtop:04000000", "scheme": "http://cv.iptc.org/newscodes/mediatopic/", "uri": "http://cv.iptc.org/newscodes/mediatopic/04000000"}], "place": [{"name": "United Kingdom", "literal": "gb", "code": "GB", "scheme": "http://cv.iptc.org/newscodes/countrycodes/"}], "person": [], "organisation": [], "genre": [{"name": "Standard story", "literal": "standard"}], "service": [{"name": "Wireva", "literal": "wireva"}], "associations": {"featuremedia": {"uri": "urn:newsml:wireva.mib.news:media:d8cfed45-4512-4c79-a5ad-6bbe94e58c77", "type": "picture", "version": "1", "pubstatus": "usable", "headline": "Big car insurance hikes incoming - but you can lessen the blow", "description_text": "Motor insurers face steep premium rises as claims costs climb", "copyrightholder": "commons.wikimedia.org", "copyrightnotice": "タンジェント", "usageterms": "Open licence: the credit line must travel with the file.", "altids": {"wireva": "d8cfed45-4512-4c79-a5ad-6bbe94e58c77"}, "extra": {"wireva:delivery_mode": "file", "wireva:rights": {"licence": "CC BY-SA 3.0", "licence_url": "https://creativecommons.org/licenses/by-sa/3.0/", "licence_raw": "CC BY-SA 3.0", "licence_verified_at": "2026-11-09T08:40:38.449564Z", "attribution_required": true, "attribution_text": "タンジェント", "redistribution_allowed": true, "commercial_use_allowed": true, "modifications_allowed": true, "share_alike_required": true}, "wireva:provenance": {"creator": "", "source_name": "commons.wikimedia.org", "source_url": "https://commons.wikimedia.org/wiki/File:Jidousha_baisho_sekinin_hoken_shomeisho.JPG", "source_page_url": "https://commons.wikimedia.org/wiki/File:Jidousha_baisho_sekinin_hoken_shomeisho.JPG", "our_page_url": "https://nobel.observer/business/motor-insurers-face-steep-premium-rises-as-claims-costs-climb/"}, "wireva:role": "lead"}, "renditions": {"original": {"href": "https://nbg1.your-objectstorage.com/ckln/image-assets/c00bf9ee531c4bdab989cbb3346e419d2152599819ab59410bbbfd143e73e16d.jpg", "mimetype": "image/jpeg", "width": 634, "height": 900, "sizeinbytes": 173447}, "source": {"href": "https://commons.wikimedia.org/wiki/File:Jidousha_baisho_sekinin_hoken_shomeisho.JPG", "mimetype": "image/jpeg"}}}}, "extra": {"wireva:story": {"uri": "urn:newsml:wireva.mib.news:story:84a4ad09-bb85-4fc4-b9a8-3ac386c1b51c", "slug": "motor-insurers-face-steep-premium-rises-as-claims-costs-climb-20261109", "status": "developing", "languages": ["en"], "item_count": 1, "is_breaking": false}, "wireva:rights": {"class": "agency_original", "redistribution_allowed": false, "commercial_use_allowed": false, "modifications_allowed": true, "share_alike_required": false, "attribution_required": true, "attribution_text": "Wireva / Nobel", "canonical_required": true, "canonical_url": "https://nobel.observer/business/motor-insurers-face-steep-premium-rises-as-claims-costs-climb/", "linkback_required": true, "licence": "", "licence_url": "", "licensor": "Haydamax OÜ", "valid_until": null, "excerpt_max_chars": 0, "decided_by_rule": "agency_original_borderline", "needs_review": true}, "wireva:provenance": {"production_method": "automated", "ai_stages": {"editing": true, "drafting": true, "headline": true, "discovery": true, "classification": true, "image_selection": true, "source_collection": true, "cross_source_comparison": true}, "model": "", "human_reviewed": false, "reviewed_by": "", "reviewed_at": null, "editorial_control": true, "editorial_responsibility": "Haydamax OÜ (Wireva)", "factchecked": false, "verification_status": "single_source", "independent_confirmations": 0, "official_source_used": false, "used_press_release": false, "public_interest": true, "ai_disclosure_required": true, "ai_disclosure_text": "This item was produced with AI assistance under the editorial responsibility of Haydamax OÜ.", "independence_check": {"status": "borderline", "score": 0.531, "checked_at": "2026-11-09T08:40:38.445478Z"}}, "wireva:publication": {"name": "Nobel", "domain": "nobel.observer", "country": "GB", "url": "https://nobel.observer/business/motor-insurers-face-steep-premium-rises-as-claims-costs-climb/"}, "wireva:links": {"self": "https://wireva.mib.news/api/v1/items/85796a70-f55f-4049-a8b1-958cb4701313", "html": "https://wireva.mib.news/item/85796a70-f55f-4049-a8b1-958cb4701313/motor-insurers-face-steep-premium-rises-as-claims-costs-climb/", "story": "https://wireva.mib.news/story/motor-insurers-face-steep-premium-rises-as-claims-costs-climb-20261109/"}, "wireva:metrics": {"word_count": 482, "char_count": 2980, "reading_time_seconds": 213}}}