If you live in certain parts of London and Leeds, it could be a very good idea to fit more locks, consider investing in a good burglar alarm and form a neighbourhood watch scheme.
That’s because you’re at more risk of being burgled than in any other part of the United Kingdom, research from the online financial comparison site Moneysupermarket shows.
Areas of Leeds and London top the list
Residents of areas such as Bramley and Moorside in Leeds, and North Finchley and Balham in London have burglary rates of up to 34.8 per 1,000 of the local population. They are in the top three areas in the country which have put in the most claims for theft over the last year.
It must be emphasised that living in one of these postcodes doesn’t necessarily mean that your local environment is riddled with crime of any sort, just theft in particular. In fact, as Hannah Jones, a home insurance expert at MoneySupermarket, points out, it can mean quite the opposite. “Thieves often specifically target areas with wealthy residents,” Jones explains, “or quieter areas where there’s not a lot of passing foot traffic, where the rewards are potentially greater and the risk of being caught in the act may be lower.”
There’s a huge difference when these areas are compared with those that have the lowest levels of burglary.
Parts of the Swansea area, including Abercraf and Upper Cwmtwrch, and Haverfordwest in Pembrokeshire, incredibly have zero rates of breaking and entering (or at least have done for the previous 12 months of the period the survey covered by the survey).
Insurance premiums affected
Unfortunately, it’s not just a higher risk of losing valued possessions that you’re affected by, there’s also a knock on effect on your home insurance premiums. If you live in one of the locations with higher rates of theft, you can expect to pay a whopping 20% more on average than residents of other areas.
And if you happen to live in a home with a higher than average value, in one of the impacted areas, your premium over the average can be even higher.
As Hannah Jones sensibly points out, this makes it even more important to hunt around for the best deal you can get each year, which in the long run could potentially save you thousands, saying: “The key thing is not to simply accept your policy renewal – even if you live in a postcode which has a higher claim rate for burglaries, you can still save a packet by doing your research and switching to a better deal online.”
Here are the top 10 areas that you’re most and least likely to be burgled in.
Most likely to be burgled in:
LS 13 (Bramley, Gamble Hill, Moorside, Rodley, Swinnow – Leeds
BD12 Low Moor, Oakenshaw, Wyke – Bradford
N12 North Finchley, Woodside Park – London
M30 Eccles – Manchester
RM2 Harold Wood, Harold Hill, Noak Hill – Romford
SW12 Balham, Clapham South, Hyde Farm – London
LS18 Horsforth – Leeds
UB3 Hayes, Harlington – London
SE22 East Dulwich, Peckham Rye, Loughborough Junction, Herne Hill – London
LS28 Calverley, Farsley, Pudsey, Stanningley – Leeds
Least likely to be burgled in (all with the zero reported burglaries in the last year):
SA9 Abercraf, Cwmllynfell, Cwmtwrch, Lower Cwmtwrch, Rhiwfawr, Upper Cwmtwrch, Ystalyfera, Ystradgynlais – Swansea
SA62 Haverfordwest – Pembrokeshire
LA14 Barrow-in-Furness – Cumbria
TQ3 North Paignton – Devon
EX31 Barnstaple – Devon
DD8 Forfar, Glamis, Kirriemuir – Angus
KY7 Glenrothes – Fife
PL21 Ivybridge, Brownston, Cornwood, Ermington, Modbury, Ugborough – Devon
PL26 Gorran Haven, Foxhole, Mevagissey, St Dennis, St Ewe, Sticker in St Austell – Cornwall
NR29 Great Yarmouth – Norfolk
We have 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 speak to one of our experts on 0203 014 9300 or email firstname.lastname@example.org