Home owners insurance: London and West Yorkshire dominate burglary claims list

Households in London’s Stoke Newington and Apperley Bridge in Bradford are classified as the more than likely in great britain to make a coverage claim for burglary, depending on analysis expertise given by consumers on home policy applications.

Analysing 3m quotes made during the year to 30 November 2011, MoneySupermarket.com has produced the areas where applicants declared a previous claim for burglary or theft from them home or garden. Households during the N16 and BD10 postcodes declared a respective 33.6 and 33.1 insurance claims per 1,000 quotes, putting them top of the list.

London and Leeds postcodes made the most frequent appearances inside the burglary claim chart, with six and five respectively. LS13, comprising Bramley, Rodley, and Swinnow, was the postcode district in Leeds with the most theft-related insurance claims.

In contrast, 17 areas showed no previous burglaries were declared by applicants for home insurance, including Bodelwyddan in Denbighshire, Eastbourne in East Sussex, Peterlee in County Durham, and Ryde around the Isle of Wight.

Julie Fisher, head of insurance at MoneySupermarket.com, said: “Being in a the upper chances area no mean where you live is bad or rife with crime C many thieves will target more affluent areas purely for that rewards on offer.

“Most insurers employ a blanket approach in regards to assessing postcode districts for insurance premiums, yet this really should change.”

The latest crime statistics from the house Office with the Twelve months to September 2011 mirror MoneySupermarket’s data, showing that your areas using the highest rate of burglary per 1,000 households are West Yorkshire (including Leeds and Bradford) and the London region.

But not every person who have experienced a burglary will help make protection claim, even though many homes in the given postcode do not need bought any property insurance in anyway. Also, many people obtaining quotes for home owners insurance might (intentionally you aren’t) omit the actual fact they’ve already made a previous claim for burglary.

Malcolm Tarling with the Association of British Insurers said: “It well said not everyone claims from burglary C many homes will not be insured and many others will omit a previous claim when trying to get insurance, though they shouldn’t. You can use claims data in 10 other ways and find 10 different outcomes.

“What is known is the fact lots more people in towns are unlikely to acquire home owners insurance because the cost C premiums are higher in towns because that is statistically in which there might be more crime. So of course this survey has highlighted numerous towns as burglary hotspots, it is also factual that an urban home with effective security measures installed may be a smaller risk over a poorly protected home in a very province.”

Top 10 districts possibly to reveal your house insurance claim

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

2. BD10 C Apperley Bridge, Bradford, 31.7

3. B71 C West Bromwich, West Midlands, 31.7

4. N22 C Wood Green, London, 30.3

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

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

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

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

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

10. SW16 C Streatham, London, 27.2

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