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Home insurance claim hotspots revealed

Survey shows 20 areas with highest theft claims


Always read the policy terms and conditions thoroughly

Householders in London are the most likely to make a claim for theft on their home insurance policy, according to a new survey – but a Manchester postcode tops the list of 20 areas where the highest proportion of theft claims are made.

Price comparison site Moneysupermarket.com analysed over 1.1m home insurance enquiries made on the site in 2009 and found that London held ten of the top 20 postcode districts where people are most likely to have made a claim for theft.

However, Chorlton-cum-Hardy in Manchester (M21) claimed the number one spot on the website’s ‘hotspot’ list, with 8.65% of households in the district affected by theft or burglary last year.

Home insurance hotspots

The ten London areas featured in the report were:

  • Blackheath (SE3);
  • Hammersmith (W6);
  • Finsbury Park (N4);
  • Chiswick, Gunnersbury and Turnham Green (W4);
  • Battersea (SW11);
  • Upper Holloway and Archway (N19);
  • Southwark (SE1);
  • Forest Hill and Honour Oak (SE23);
  • Enfield (N13);
  • Brixton (SW2).

Meanwhile Manchester, Leeds and Bristol each had two postcode areas featured on the list. 

In Manchester, Wythee and Northenden (M22) made it into Moneysupermarket’s top 20, while Austhorpe (LS15) and Roundhay (LS8) in Leeds were also featured. Bishopston (BS7) and Redmand and Montpelier (BS6) in Bristol were also highlighted by the report.

The other postcode areas revealed as hotspots for home insurance theft claims were Bestwood Village, Bulwell and Old Basford in Nottinghamshire (NG6), Gerrards Cross and Horn Hill in South Buckinghamshire (SL9), Beckenham in Greater London (BR3) and Apperley Bridge in Bradford (BD10).

Home insurance risk

According to Which? insurance expert Dan Moore, living in an area that’s classified as ‘high risk’ for insurance could mean you face higher than average insurance premiums. However, a variety of factors could contribute to your property being defined in this way.

‘Local crime statistics will have an impact, but so will things like flood risk,’ he says. ‘In fact, you could even find that living in a particularly affluent area increases the cost of your home insurance because, on average, claims from such locations tend to cost companies more when they have to pay out.

‘However, not all insurance companies calculate risk in the same way, so this is yet another reason why it’s crucial to compare the cost and quality of the insurance cover you could get from a variety of providers.’ To find out which insurance companies our experts recommend for covering your home, visit the Which? home insurance review.

‘It’s also important to remember that taking security precautions such as having a burglar alarm in place and using insurer-approved locks on your doors and windows should help mitigate the risk of theft from your home, as well as improve your peace of mind,’ says Moore.

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