Interest Rates and Insurance rates
It's quite simple.
Insurance companies make their money by investing the premiums (and keeping their fingers crossed there are no huge disasters).
If interest rates are low, the premiums go up because they ain't making the money.
There is a huge correlation.
cheers,
Tony
P.S. I read this in the Ecomomist fairly recently and of course, I may need a complete arse-about-face caveat...