Leeds postcode is UK's burglary claim hotspot

Last updated: Jan 25th, 2013
Burglary

A Leeds neighbourhood has been revealed as the UK's burglary hotspot, and residents could see a 20% increase in their home insurance as a result.

The LS13 postcode - made up of Bramley, Gamble Hill, Moorside, Rodley and Swinnow – has experienced more break-ins than anywhere else in the country over the past 12 months, according to research based on insurance quotes from Moneysupermarket.com.

Taking second place on the claims list was the BD12 postcode in Bradford – comprising Low Moor, Oakenshaw and Wyke. The London suburb of North Finchley (N12) took third.
 
Meanwhile, homes in SA9 in Swansea, SA62 in Pembrokeshire and LA14 in Cumbria were least likely to have made a claim for burglary on their home insurance.

The research also found that homeowners living in higher-risk postcodes would pay a fifth more for cover, compared to the national average - that's an extra £30 per policy per year.

Factors

 However, LV= spokesperson Vanessa Chance, urges people living in the hotspots not to worry about their premiums unnecessarily:

"Home insurance premiums are made up of a number of factors that are both geographical and non-geographical. This includes the type of property to be insured, the customer's personal claims history and individual likelihood to make a claim.

"Insurers do look at crime rates across the country but will analyse a variety of data that is reviewed regularly to set premiums. While one area may have a higher risk of burglary it may have a lower risk of subsidence, for example, which will bring the overall likelihood of a claim down. All of this data is taken into account when generating an insurance quotation."

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