I should have been more specific, non-food retail inflation is at 0%, ie the cost of teles, etc. Food is falling and expected to fall more later in the year as comodoties are falling, (coffer, grain, etc).
Insurance policies are going up because the last Labour Govt, lead by a money grabbing leech of a lawyer and his wife, promoted the compensation culture, which the current govt are trying to tackle.
If you find statistics difficult to understand, it helps to look at the detail.