The latest data and analysis from price comparison website, MoneySuperMarket, looked at over two million home insurance quotes covering the last two years to identify the postcodes with the highest and lowest rate of claims for home contents theft within a five year period.
According to the findings, 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 respectively.
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 (G5 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.
The MoneySuperMarket data reveals that the value of claims submitted in winter are on average 37 per cent 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.
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 quotes. 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 claims.
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.
Categorised in: Uncategorized