Postcodes in the east of Greater London and Essex are particularly prone to making burglary-related claims on their home contents insurance – but those living in rural areas such as Dumfries in Scotland and Felixstowe in Suffolk can sleep more easily in the beds, paying less for their home insurance.
Let’s find out why…
Greater London has the dubious honour of being home to 14 of the UK’s top 20 burglary claim hotspots.
This includes Dagenham, where 55 of every 1,000 home insurance quotes run on our site in the 12 months to December contained details of a claim for burglary claim made in the past two years.
London is not the only city where burglaries are common, however.
Chorlton-cum-Hardy and Barlow Moor in Manchester – where about 52 of every 1,000 home insurance quotes contains a claim for burglary – are third on the hotspot list.
And people living in parts of South and West Yorkshire are also more likely than most to have to file a claim for theft from their homes.
Burglary hotspots – and coldspots
Our Burglary Claims Tracker looks at millions of home insurance quotes to identify the postcodes where homeowners are most likely to make a claim after being burgled.
This year, researchers analysed 2.68 million quotes, identifying those recording “theft of contents” claims, to come up with the burglary hotspots list.
Their findings show that the top five postcodes targeted by burglars are:
1. TM8 (Dagenham in Greater London)
2. IG2 (Gants Hill in Greater London)
3. M21 (Chorlton-cum-Hardy in Manchester)
4. DN2 (Intake in South Yorkshire)
5. E18 (Woodford in London)
At the bottom of the list, meanwhile, are rural locations such as:
1. DD2 (Lochee in Scotland)
2. DG1 (Dumfries in Scotland)
3. G83 Aldochlay in Scotland
4. IP11 (Felixstowe in Suffolk)
5. LL57 (Bangor in Wales)
Impact on insurance
Having a higher likelihood of their homes being broken into is not the only problem for those living in burglary hotspots.
Insurers also factor in the probability of a burglary claim when pricing insurance policies.
And that means someone living in Dagenham will pay a lot more for home insurance than someone living in Dumfries.
If you live in a burglary hotspot, it therefore makes sense to take steps to lower your insurance premiums – and slash your chances of being burgled – by improving your home security.
Many insurers will offer you a discount if you fit an insurer-approved alarm or upgrade your door and window locks, for example.
Why not get your own quote for home insurance to see whether you can lower your annual premium?
The 20 UK postcode districts most likely to claim for theft on their home insurance
|Number||Postal District||Area||City/County||Rate per 1000|
|1||TM8||Dagenham, Becontree, Becontree Heath||Greater London||55.0|
|2||IG2||Gants Hill, Newbury Park, Alborough Hatch||Greater London||54.9|
|3||M21||Chorlton-cum-Hardy, Barlow Moor||Manchester||51.8|
|4||DN2||Intake, Wheatley, Wheatley-Hills||South Yorkshire||48.3|
|5||E18||Woodford and South Woodford||London||48.2|
|6||RM11||Hornchurch, Emerson Park, Ardleigh Green||Greater London||47.1|
|7||TW11||Teddington, Fulwell, Bushy Park||Greater London||47.1|
|8||BD2||Eccleshill, Five Lane Ends, parts of Undercliffe, Fagley, Wrose, Bolton Woods, Poplars Farm, Swain House, Ashbourne||West Yorkshire||46.9|
|9||EN4||Hadley Wood, Cockfosters, East Barnet, New Barnet||Greater London||45.5|
|10||IG3||Seven Kings, Goodmayes, Hainault, Chignell||Greater London||44.0|
|11||BD18||Saltaire, Shipley, Windhill, Wrose||West Yorkshire||43.6|
|12||W4||Chiswick, Gunnersbury, Turnham Green, Acton Green, Bedford Park||London||43.0|
|13||TW5||Heston, North Cranford, West Osterley||Greater London||42.9|
|14||IG8||Woodford Green, Woodford Bridge, Highams Park||Greater London||42.5|
|15||LS28||Bagley, Calverley, Farsley, Pudsey, Stanningley (Pudsey)||West Yorkshire||42.2|
|16||BR5||West Wickham||Greater London||42.1|
|17||UB6||Greenford, Perivale||Greater London||41.9|
|18||UB4||North Hayes, Yeading||Greater London||41.6|
|19||N11||New Southgate, Friern Barnet, Bounds Green, Arnos Grove||London||41.1|
|20||LS15||Austhorpe, Barwick-in-Elmet, Colton, Cross Gates, Galton, Halton Moor, Manston, Pendas Fields, Scholes, Temple Newsam, Whitkirk||West Yorkshire||40.8|
The 20 UK postcode districts least likely to claim for theft on their home insurance
|Number||Postal District||Area||City/County||Rate per 1000|
|1||DD2||Lochee, Blackness, Ninewells, Menziehill, Charleston, Balgay, Ardler and Logie||Dundee, Scotland||0.00|
|2||DG1||Dumfries||Dumfries and Galloway, Scotland||0.00|
|3||G83||Aldochlay, Ardlui, Balloch, Bonhill, Gartocharn, Inverarnan, Jamestown, Luss, Renton, Tarbet||Bute, Scotland||0.00|
|4||IP11||Felixstowe, Trimley St. Martin, Trimley St. Mary||Suffolk||0.00|
|5||LL57||Bangor, Llanllechid, Rachub, Talybont, Bethesda, Glasinfryn, Llandygai, Mynydd Llandygai, Rhiwlas, Tregart||Gwynedd, Wales||0.00|
|6||CA28||Whitehaven, Sandwith & Hensingham||Cumbria||1.30|
|7||BT48||Londonderry, Cityside, Ballynagard, Coshquin, Rosemount, The Collon, Culmore||Northern Ireland||1.36|
|8||PH2||South & East Perth||Perth, Scotland||1.51|
|9||BT41||Antrim, Dunadry, Muckamore, Randalstown, Toomebridge||Northern Ireland||1.51|
|10||FK7||Bannockburn, Cambusbarron, Cowie, Fallin, Plean, South Alloa, St. Ninians||Stirling, Scotland||1.59|
|11||SO22||Badger Farm, Fulflood, Hursley, Littleton and Harestock, Olivers Battery, Pitt, St Cross, Stanmore, Weeke (Winchester)||Hampshire||1.6|
|12||PO22||Bognor Regis, Barnham, Elmer, Felpham, Middleton-on-Sea||West Sussex||1.63|
|13||YO16||Bridlington, Bempton, Bessingby, Boynton, Buckton, Carnaby, Grindale, Sewerby||East Yorkshire||1.66|
|15||CT1||Canterbury South and City Centre||Kent||1.93|
|16||G78||Barrhead, Neilston, Uplawmoo||Glasgow, Scotland||1.97|
|17||LL65||Holyhead, Trearddur Bay, Four Mile Bridge, Rhoscolyn, Bodedern, Bryngwran, Caergeiliog, Llanynghenedl, Trefor, Valley, Gwalchmai, |
Llanddeusant, Llanfachraeth, Llanfaethlu, Llanfairynghornwy, Llanrhyddlad, Rhydwyn
|Isle of Anglesey, Wales||1.98|
|18||TS17||Thornaby, Ingleby Barwick, Stainton||Middlesborough||2.25|
|19||NR31||Gorleston, Bradwe||Great Yarmouth||2.37|
|20||EX39||Bideford, Lundy Island||Devon||2.52|
Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.