Which postcodes dominate UK burglary claim hotspots?

Which postcodes dominate UK burglary claim hotspots?
Burglars are interested in two things: where should I go to find stuff worth stealing and where am I least likely to get caught?

The latest data released from MoneySuperMarket has found that despite the overall rate of burglary claims dropping eight per cent in the last year, busy urban areas remain the biggest targets for theft.

MoneySuperMarket analysed 1.8 million home insurance quotes run on its website over the last two years (January 2015-December 2016) to identify the postcodes with the highest and lowest rate of claims for home contents theft within a five year period.

North-East London’s Redbridge (IG4) has crept up the rankings to take the number one spot this year, up from third place in last year’s analysis. However, the news isn’t all bad, as the area’s overall claim rate has dropped by four per cent from 56.7 per 1,000 quotes last year, to 54.7 per 1,000 in this year’s analysis.  

North London postcodes dominate the rest of the top five, with Whetstone (N20), Chadwell Heath (RM6) and Clayhall (IG5) all making an appearance. Leeds (LS5) is the only area outside the capital to feature at the top end of the list, taking fourth place.

Cambridge (CB5), which avoided the top 202 last year, has risen to position 12 in the latest analysis, with a rate of 41.8 burglary claims per 1,000 quotes. Chorlton-cum-Hardy in Manchester (M21) also features in the top 20, with a rate of 40.5 burglary claims per 1,000 quotes, alongside Leeds (LS8), which has a rate of 39.3 burglary claims per 1,000 quotes.

Elsewhere, repeat offending is rife in the top 20, with 11 of last year’s top 20 postcodes featuring once more in the rankings. However, residents of Dulwich (SE21), last year’s top hotspot, will be pleased to see it has fallen to number nine this year, with the rate of burglary claims in the area dropping by an impressive 29 per cent.


Seasonal shifts

The MoneySuperMarket data reveals that the value of claims submitted in winter are on average 36% higher than those submitted in summer, probably because of the presence of high-value Christmas presents in the home.

The value of insurance for laptops, jewellery, watches and bicycles has also grown in the last year, as Brits invest in the latest gadgets. The average collective value of itemised possessions (items listed on contents policies because of their high value, typically £1,500 or more) was £4,192 per policy in autumn 2016, which is over a third (39%) more than in 2011.

Overall, the rate of burglary claims has fallen by eight per cent in the last year. Last year, the average rate was 13.58 per 1,000 quotes, dropping to 12.44 per 1,000 in this year’s analysis.

Lowest rates of burglary claims

Of the postcodes with at least one claim for theft, Monkseaton in North Tyneside (NE25) and Bideford in Devon (EX39) share the lowest rate, with 0.9 claims per 1,000 quotes3. Other areas successfully keeping burglars at bay include Witney in Oxfordshire (OX28), which shares a rate of 1.3 claims per 1,000 quotes with six other postcodes across the UK.

There are also 123 postal districts with zero claims4, including Norwich (NR26), Liverpool City Centre (L3), Manchester City Centre (M1), and Montrose (DD10) in Scotland.

Households can check how their area compares to neighbouring postal districts and other locations in the UK at MoneySuperMarket’s interactive burglary claims tool, whichdisplays 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.

Kevin Pratt, consumer affairs expert at MoneySuperMarket, said: “Burglars are interested in two things: where should I go to find stuff worth stealing and where am I least likely to get caught? Our findings suggest busy urban areas are the biggest targets for theft, but those who call leafy suburbia home should also be aware of the risks associated with the higher anticipated value of their belongings.

Burglary results in a double dose of trauma, with both emotional and financial repercussions taking a long-term toll on those affected. To avoid the turmoil, it’s vital to be vigilant against break-ins and to bolster home security to prevent them in the first place. It’s also crucial to ensure you have contents insurance in place to cover you should the worst happen.

Home insurance represents great value, with the average cost of combined buildings and contents cover falling steeply in recent times. However, anyone who hasn’t switched for a number of years will probably be paying substantially more than they could if they switched provider, making it important to shop around for a more competitive price the next time their policy is up for renewal.

It is encouraging to see the overall rate of burglary claims has dropped eight per cent in the last year, in line with the fall in recorded burglaries. That’s no doubt thanks to improvements in home security, although the falling cost of electrical items, such as TVs, might be significant as, simply put, there’s less need for burglars to steal items than in the past.

Households can now check the MoneySuperMarket Burglary Claims tool to see whether their area is at high or low risk from break-ins.”

Lynn Farrar, chair of Neighbourhood & Home Watch Network, said: “Burglary is devastating for many people and our volunteers work hard to help prevent people becoming victims. Most burglaries are opportunistic and many can be prevented; we recommend using the WIDE principle when securing your home. Householders should ensure their home has Window locks, Interior lights left on a timer when you’re away, Double or dead bolts fitted on doors and Exterior lights with a sensor fitted outside your home.

Taking these basic steps can offer 49 times more protection5 against burglary than homes without these measures.”

Join our mailing list:

Leave a comment



Our Next Event

Complex Lending Roadshow March 2017

Complex Lending Roadshow March 2017

Bolton - 14/03/2017

Barnsley - 15/03/2017

Solihull - 16/03/2017

Watford - 17/03/2017

Register now

Latest Comments

Matthew Hollywood
Matthew Hollywood 07 Feb 2017

Matthew Hollywood - Director Mishon Mackay Land & New Homes - Brighton The shortage of New Homes is in part effected by the lack of land sales. Land sales are held back because there is a disparity between...

view article
CommercialTrust
CommercialTrust 30 Jan 2017

Hi Graham, Would be interesting to see the above figure calculated against an investment via a Lt Company /SPV structure and if the investor found themselves pushed in to the higher tax bracket. Mortgage...

view article
Tony Gimple
Tony Gimple 16 Jan 2017

HMOs do make great commercial sense, but do the area research first!

view article
OJoyce
OJoyce 30 Dec 2016

We can only hope this will bring the results we all want and strive for.

view article
Reality
Reality 21 Dec 2016

The changes to land tax were a shock to many when it was first announced by the Chancellor in 2015?s Autumn Statement. However, once the changes came into place and the full details were digested, it?s...

view article
akbar ali dayala
akbar ali dayala 20 Dec 2016

I am a landlord and director of an online letting agents at the moment we charge tenants minimal fees and landlord also meaning we can get best deals for tenants all around if the ban comes in it...

view article
milessgabriel
milessgabriel 05 Dec 2016

Useful article

view article
Spencer Fortag
Spencer Fortag 30 Nov 2016

I am glad that someone listened to me!

view article
Tony Gimple
Tony Gimple 27 Nov 2016

It's not just the lack of estate agency advice that's costing landlords money; most are getting seriously bad advice from their accountants resulting in tax bills far higher than they need to be. Likewise,...

view article
Sally Walmsley
Sally Walmsley 18 Nov 2016

The RLA stands by its sell-off statistics. While we welcome the feedback from Mr Jagota and are delighted to hear how well things are going for landlords in the north east, we would like to make it clear...

view article
Sheryl87
Sheryl87 18 Nov 2016

The high employment levels and the vibrant economy has led to ever-increasing demand for rental properties, especially from professionals relocations from other cities. This has led to more experts teaming...

view article
Sheryl87
Sheryl87 18 Nov 2016

Renting out your house can be risky business. It's good to think about residential landlords insurance. Standard cover includes buildings cover and cover for loss of rent following damage to a property...

view article

Related stories

More articles from Household