Quarterly

The Renewal Increase Report

What renewals actually did last quarter — by the carrier that issued them, by state, and against what negotiation recovered. Computed from published rows you can check, not from a survey you cannot.

No editions yet — deliberately

The report is computed from the published benchmark rows, and the first edition publishes when there are at least 50 results from a single quarter to compute it from. There are currently 0. Publishing a “quarterly report” before it has a quarter of data behind it would be inventing the one thing the report exists to avoid inventing.

What every edition contains

The same sections every quarter. A report that reinvents its own structure each time cannot be compared with the last one, which is most of what makes a recurring report worth reading.

Standing sections, and the limits stated alongside each
Section	What it reports	Stated limit
Renewal increases by prior carrier	The median renewal increase we saw on policies arriving from each carrier during the quarter, with the number of policies behind each figure.	These are policies whose owners asked for a review, which is a self-selected group. The figure describes what we saw, not the carrier's whole book.
What negotiation recovered	The median first-year reduction achieved, split between policies repriced by the existing carrier and policies moved to a new one.	Only rows where limits, deductibles and endorsements were held constant are counted in the headline figure.
Where the increases were largest	State-level medians, for states with enough policies in the quarter to report on.	States below the reporting floor are named as omitted rather than quietly dropped.
What changed on the policies themselves	The rating details, expired discounts and surcharge issues found most often during the quarter's reviews.	Counts of what we found, not an estimate of how common these are across the market.
What we got wrong last quarter	Any correction to a previously published figure, stated plainly and left in the archive.	A report that never corrects itself is not being checked.

Method

The value of a recurring report is entirely in whether the method holds still. These are the commitments, and they are published here rather than kept internally so that breaking one is visible.

Every figure is computed from the published benchmark rows, so anyone can check the arithmetic against the table.
Medians, not means. A handful of very large movements would otherwise describe an outcome nobody had.
Every figure is published with the number of policies behind it. A median of six policies is labelled as a median of six policies.
Groups below the reporting floor are named as omitted rather than silently dropped.
Corrections are published in the next edition and the original is left in place, marked.
No edition is published to keep to a schedule. If a quarter does not have enough data to say something true, the report says that instead.

Check it yourselfEvery edition is computed from the rows published at the benchmark table, which is ungated. If a figure in an edition does not reconcile with the rows, the rows are right and the edition is wrong — tell us and it will be corrected in the next one.

Why this and not a rate survey

Because a rate survey needs licensed rate data and continuous maintenance, and a stale one is worse than none. What AiM has instead is something no rate survey contains: the same policy priced twice, before and after somebody argued about it. That is a narrower claim and a more defensible one, and it is the only figure in this market that this business is uniquely placed to produce.

One email a quarter when an edition goes live. No sales sequence, and the report itself stays free to read without subscribing — the list is a convenience, not a gate.

For journalists and researchers

Every figure is published with the number of policies behind it. If a number is not useful at that sample size, it will say so.
The underlying anonymised rows are public, so any figure can be recomputed independently.
We will not supply a figure we cannot show the rows for, including on request.
For anything else, the fastest route is the contact page or the phone number in the footer.

Common questions

What is the Renewal Increase Report?

A quarterly read on what renewal prices actually did, computed from the anonymised before-and-after premiums published in the AiM benchmark table. Each edition reports the median renewal increase by prior carrier and by state, what negotiation recovered on those policies, and the rating errors and expired discounts found most often during the quarter's reviews.

Where does the data come from?

From policies AiM reviewed during the quarter, anonymised to state, policy type, prior carrier, premium before, premium after and whether coverage was held constant. Every figure in an edition is computed from the same published rows, so the arithmetic can be checked against the table rather than taken on trust.

Is this a market-wide rate survey?

No, and it will never claim to be. These are policies whose owners asked for a review, which is a self-selected group — people rarely commission a review of a policy they believe is already cheap. Each figure is published with the number of policies behind it so readers can judge what it is worth, and groups below the reporting floor are named as omitted rather than quietly dropped.

How often is it published?

Quarterly, but never to fill a slot. If a quarter does not carry enough data to say something true, the edition says that instead of padding the gap. A report that publishes on schedule regardless of whether it has anything to report is not worth subscribing to.

Can I cite or reuse the figures?

Yes. Every edition is free to read with no email required, every figure carries the count of policies behind it, and the underlying rows are published. Attribution to AiM Insurance and a link to the edition is all we ask. If something is unclear or looks wrong, tell us — corrections are published in the following edition and the original is left in place, marked.