Home Insurance

New research shows UK’s burglary hotspots

Recent research has revealed the UK’s most troublesome neighbourhoods for burglary. In an analysis of 3 million insurance quotes issued in 2011, industry figures reveal that London and West Yorkshire are the UK’s most burglarised postcodes.

The study analysed home insurance renewals looking for previous claims for burglary or theft from home or garden. Households in the N16 and BD10 postcodes declared 33.6 and 33.1 insurance claims per 1,000 quotes. More generally, London, Leeds and Bradford appear to be the burglar’s choice.

By contrast, postcodes in Eastbourne, Peterlee and Ryde came bottom of the list as the least burgled neighbourhoods in the UK. Here’s the full list:

Top 10 districts most likely to disclose a home insurance claim

1. N16 – Stoke Newington, London, 33.6 per 1,000 inquiries

2. BD10 – Apperley Bridge, Bradford, 31.7

3. B71 – West Bromwich, West Midlands, 31.7

4. N22 – Wood Green, London, 30.3

5. LS13 – Bramley, Rodley, Swinnow, Leeds, 30

6. LS15 – Austhorpe, Barwick-in-Elmet, Colton, Cross Gates, Halton, Halton Moor, Scholes, Whitkirk, Leeds, 28.

7. BD18 – Saltaire, Shipley, Windhill, Wrose, Bradford, 28.6

8. LS7 – Chapel Allerton, Chapeltown, Little London, Meanwood, Potternewton, Sheepscar, Leeds, 27.4

9. DN2 – Intake, Wheatley, Wheatley Hills, Doncaster, 27.3

10. SW16 – Streatham, London, 27.2

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Burglaries rise by 26% over Halloween

Halloween is the worst day of the year for malicious damage to people’s homes, according to some recent data. The whole week of Halloween to Bonfire night is a bit of an insurance hotspot it seems as home damage claims goes up by 150% and damage to and thefts from cars rises by 20%.

The combination of darker nights, load bangs and mischief make it an ideal time for break-ins, vandalism and criminal damage. As the figures show – there is a 26% rise in burglaries in the week of Halloween over the weekly average for the rest of the year.

So, make sure you take all the necessary precautions this Halloween and have a spooky one.

Insurance fraud levels out – latest CIFA figures

2010 was a bad year for the fraudsters according to the latest “Fraudscape” reports issued by CIFAS.

The number of false (detected) insurance claims dropped in 2010 – mainly due to a massive reduction in the number of fraudulent home insurance claims, down by 41% year on year.

It’s not all good news though. Fraudsters are getting more organised. One tactic that is gaining popularity is “staged events” – up from 35% to 42% in 2010. By this they mean staged motor accidents, or “cash for crash” as it’s known.

CIFAS points to the large network of dodgy professionals; solicitors, claims firms, even doctors who back up this sort of organised fraud.