London dominates UK burglary claim hotspots

Leeds, Cambridge and Manchester are also in the top 20

London streetview with Big Ben in background
  • Guildford has the most burglary claims overall, overtaking last year’s Redbridge in London
  • Major cities dominate the list with Birmingham, Manchester and Leeds in top five
  • Value of claims is 37 per cent higher in the winter
  • How does your postcode compare? Check MoneySuperMarket’s burglary claims tool to find out

Guildford is officially the UK’s top burglary claims hotspot, according to MoneySuperMarket’s annual Burglary Claims Tracker.

The leading price comparison website analysed over two million home insurance quotes run on its website over the last two years (January 2016-December 2017 inclusive) to identify the postcodes with the highest and lowest rate of claims for home contents theft within a five year period1.

Guildford postal district GU3, which didn’t feature at all in the top 20 last year, has risen to the top of the rankings with a rate of 52.31 claims per 1,000 quotes. In second place is Cambridge, rising sharply from last year’s 12th place with a rate of 51.43 claims per 1,000 quotes. While London dominated 16 of the top 20 spots in last year’s list, other cities have overtaken the capital this year with Manchester (M21), Leeds (LS5), and Birmingham (B15) sitting third, fourth and fifth respectively2.

Liverpool (L16) is a new entry on this year’s list at number six, with 50.15 claims per 1,000, while Edinburgh (EH5) is the first Scottish location on the list at 13th place, with a rate of 42.11 claims per 1000.

Residents of Redbridge (IG4) – which took the number one spot in the 2017 list – will be pleased to see it has fallen out of this year’s top 20, alongside other London postcodes such as Clayhall (IG5) and south London’s SE21.

Affluent Greater London areas including Teddington (TW11), Richmond (SW14) and Twickenham (TW12) are all new entries in the top 20.

Seasonal shifts

The MoneySuperMarket data reveals that the value of claims submitted in winter are on average 37 per cent1 higher than those submitted in summer – most likely because of the presence of high-value Christmas presents in the home.

The value of insurance for laptops, jewellery, watches and bicycles continues to rise. The average collective value of itemised possessions (items listed on contents policies because of their high value, typically £1,500 or more) was £4,400, which is 10 per cent more than in 2016.

Lowest rates of burglary claims

Of the postcodes with at least one claim for theft, Bideford in North Devon (EX39) has the lowest rate with 0.78 claims per 1,000 quotes3. Other areas successfully keeping burglars at bay include the Murton area in County Durham (SR7) with a rate of just 1.09 per 1,000, and Tiverton (EX16) – the second area in Devon to feature in the lowest five. There are also 101 postal districts with no recorded claims4

Kevin Pratt, consumer affairs expert at MoneySuperMarket, said: “This year’s claims analysis suggests burglaries fall into two main categories: crimes committed in wealthy suburbs, where thieves expect rich pickings and a degree of seclusion, and busy urban areas, where strangers attract little attention and burglars hope to make speedy getaways.

“We should bear in mind that many criminals are opportunists - if they see a soft target, they will pounce. That makes it crucial for everyone, regardless of where they live, to be vigilant and to take the necessary steps to keep burglars at bay.

“Ask anyone who’s ever been burgled about the experience and they will tell you about the devastating impact it can have. It’s not just the financial loss. People often lose items of great sentimental value, which no amount of money can effectively replace. And then there’s the feeling of violation, which sometimes prompts victims to move home.

“For these reasons households should do what they can to boost security and prevent burglary happening. Insurance companies will lower their premiums for people who have robust locks on doors and windows, fit and maintain burglar alarms, use a safe for valuables and join a neighbourhood watch. Shopping around every renewal will also help keep insurance premiums as low as possible.”

Dave Huse, Chair for the Neighbourhood and Home Watch Network, comments: “Criminals will avoid places they have a chance of being seen, so if everyone takes the time to be observant in your area, the whole community becomes safer. Not only can you help to make your area safer by joining a neighbourhood watch scheme, but you can also save money on your home insurance if you’re part of one. If you live in an urban area which is shown to have a high crime rate, it’s definitely beneficial exchanging a few friendly words with your neighbours.”

Households can check how their area compares to neighbouring postal districts and other locations in the UK at MoneySuperMarket’s interactive burglary claims tool, which displays the rate of burglary claims made in every postal area in the UK. Visitors can also access information on how to improve their home security and reduce the likelihood of burglary.

[1] Based on percentage increase from summer (Jun/Jul/Aug) and winter (Dec/Jan/Feb)

-Ends-

For further information, please contact:

Sofie Boyland

W Communications

07377 086274

Sofie.Boyland@WCommunications.co.uk

Simon Ansell

MoneySuperMarket

07866 783 509

simon.ansell@moneysupermarket.com

 

Notes to editors:

 

1 MoneySuperMarket’s Burglary Claims Tracker

Analysis based on 2.2 million quotes run on MoneySuperMarket January 2016 – December 2017 inclusive.

Contents theft rate calculated using 5 years claim history for theft of contents (rate per 1,000 quotes). Only postcodes with at least 200 quotes have been included.

2 Highest postal areas for contents claims on home insurance policies:

 

Rank

Postal District

Area

Contents Theft Rate (per 1000) *

1

GU3

Guildford, Compton, Normandy, Woking, Pirbright, Worplesdon, Puttenham, Fairlands, Wood Street Village, Wanborough, Artington, Artington

52.31

2

CB5

Cambridge, Fen Ditton

51.43

3

B15

Birmingham

51.16

4

M21

Manchester

50.37

5

LS5

Leeds

50.15

6

L16

Liverpool

49.49

7

LS8

Oakwood, Leeds

47.31

8

TW11

Teddington, Hampton, Hampton Wick

46.12

9

CB4

Cambridge, Histon and Impington, Milton

45.83

10

SW14

Richmond

45.17

11

CM4

Ingatestone,  Margaretting, West Hanningfield, Fryerning, Margaretting Tye

43.73

12

BD14

Clayton, West Yorkshire, Queensbury, Thornton, West Yorkshire

43.21

13

EH5

Edinburgh

42.11

14

SK8

Cheadle, Stockport, Heald Green

41.59

15

EN4

Barnet

41.55

16

DA3

Longfield, Hartley, Meopham, New Ash Green

41.38

17

IG7

Chigwell

41.15

18

IG8

Woodford

41.10

19

S11

Sheffield, Ringinglow

40.98

20

TW12

Hampton, Twickenham, Feltham, Teddington, Hampton Hill

40.82

 

3 Lowest postal areas for contents theft claims (excluding 101 postcodes with no recorded claims)

 

Rank

Postal District

Area

Rate (per 1000) *

1

EX39

Bideford, Hartland

0.78

2

SR7

Murton, Seaham, Dalton-le-Dale, Cold Hesledon

1.09

3

EX16

Tiverton, Sampford Peverell, Witheridge, Bickleigh

1.10

4

DL16

Spennymoor, Byers Green, Kirk Merrington, Middlestone, Page Bank, Westerton, County Durham, Whitworth, North Close

1.16

5

SY23

Aberystwyth, Llanbadarn Fawr, Penparcau

1.18

6

CF31

Bridgend, Court Colman, Pen-y-fai, Bridgend

1.22

7

TQ13

Chagford

1.26

8

CA13

Cockermouth, Cumbria

1.27

9

NE31

Hebburn

1.30

10

EX15

Cullompton, Willand

1.35

11

BT37

Whiteabbey

1.36

12

CF35

Bridgend

1.38

13

PL19

Tavistock,  Bradstone, Mary Tavy, Brentor

1.39

14

AB43

Fraserburgh, Pennan

1.39

15

LL55

Caernarfon, Llanberies, Beddgelert

1.40

16

KY4

Cowdenbeath, Kelty

1.41

17

CA15

Maryport, Allonby, Flimby, Dearham

1.50

18

TQ4

Paignton, Stoke Gabriel

1.50

19

NN18

Corby, Geddington, Great Oakley, Northamptonshire

1.60

20

NR20

Dereham, Bawdeswell, Swanton Morley, North Elmham, Mattishall, Whissonsett, Beetley, Guestwick, Welborne

1.63

 

4 Lowest postal areas for contents theft claims (excluding 101 postcodes with zero claims)

 

About MoneySuperMarket.com:

MoneySuperMarket.com is the UK’s leading price comparison website. We provide free, online tools to help people manage, save and grow their money, by enabling them to compare and switch Insurance, Money and Home Services products from nearly 700 providers. 

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