Does Your Postcode Affect Your Home Insurance Premium?

There are several different factors that can affect your home insurance premium.One particularly important factor is where you live.

If you happen to live in a high crime area, your postcode could flag you up as a high-risk to your insurer. If your insurance company believes there’s a  strong possibility of you being burgled, there’s also a high probability of you making a claim. This risk factor could increase your home insurance premiums. recently analysed over 1.1 million home insurance enquiries that were made on their site throughout 2009. From this analysis, they have drawn up a hit-list of the most ‘at-risk’ postcodes in the UK. Of the 20 postcodes on their list, London featured heavily – making up over 50% of the list. Blackheath (SE3), Hammersmith (W6) and Finsbury Park (N4) took the 2nd, 3rd and 4th spots respectively.

Manchester had 2 postcodes in the list (M21 and M22) – with Chorlton-cum-Hardy, M21, taking the not-so-coveted number one position.

Bristol postcodes BS6 and BS7 made an appearance, as well as Leeds postcodes LS8 and LS15.

Whatever your postcode, it still always pays to be vigilant. Last summer alone, British insurers handled 78,000 domestic burglary claims. The pay-out for these claims totalled £84 million.

A few simple precautions could help you avoid the financial losses and heartache of a home burglary and might also help lower your home insurance premium.  Good security features like multi-point locks, burglar alarms and neighbourhood watch schemes are all looked upon favourably by home insurers and could  reward you with reductions.

Policy Expert

Policy Expert has a real passion for making sure people get the cover that’s right for them. We’re driven by a desire to help you find not only the best value insurance, but the right insurance for your individual needs. For more information on what‘s covered under your Home Insurance policy, speak to one of our experts on 0203 014 9300 or email

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1 1/5 Its when you claim their true colours become clear
My garage was broken in to and I had a lot of power tools stolen , the garage was locked with a three point locking system up and over door. It appears the lock was forced with another key. When I tried to make a claim I was told because there was no "Forced and voilent" entry I couldn't claim on my insurance. Reading my policy document this isnt true can be either forced OR voilent , it was an attempt to stop my claim. I've made a compalint on their email facility but have no aknowledgement they have recieved my complaint. Warning if a theif uses a lock picking tool to get in your house they will refuse to pay up ...this could cost you thousands. Its when you actually need your policy you can truely make comment on thier services. I've been treated like a fraudster by the very people who should protect me from such instances.

2 2/5 avoid if you can
I have tried to contact Policy Expert regarding Home Emergency Insurance cover been on the phone for a while then decided to use their calling back system been waiting for hours still waiting,also failed to respond to my law firm regarding legal expenses cover for car accident.

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