Birmingham's Henley-in-Arden tops list of UK burglary claim hotspots

By Swindon Link - 12 April 2019

Opinion and Features

 

  • Henley-in-Arden in Birmingham has the most burglary claims, overtaking last year’s leader Guildford
     
  •   UK burglaries increased by 16 per cent over the past year, from a rate of 13.42 claims per 1000 to 15.57
     
  •    Chelmsford has the second highest rate of break-ins in the country, despite 80 per cent of local residents believing their area is largely unaffected by burglaries
     
  •  How does your postcode compare? Check MoneySuperMarket’s Burglary Claims Tool to find out

Henley-in-Arden (B95), on the outskirts of Birmingham, is officially the UK’s top burglary claims hotspot1, according to MoneySuperMarket’s annual Burglary Claims Tool.

The UK’s leading price comparison website analysed over 2.5 million home insurance quotes from the last two years (January 2017 to December 2018 inclusive) to identify the UK’s burglary hotspots, based on the highest and lowest rate of claims for home contents theft within a five-year period2.

The data reveals a 16 per cent national increase in rates of theft, with an average of 15.57 claims per 1,000 quotes in 2018, up from 13.42 in 2017.

Although consumer research3 reveals that one in five Brits (20 per cent) believe that they live in an area where properties are burgled more than the national average, almost half (44 per cent) haven’t taken any precautionary measures to protect their home, including installing burglar alarms, window locks or security cameras1.

The Birmingham postcode district, B95, has risen to the top of the rankings, with a rate of 50.46 claims per 1,000 quotes. Meanwhile, residents of last year’s top burglary hotspot, Guildford postcode district GU3, will be pleased to see it has fallen out of this year’s top 20 and now sits in 171st place. However, neighbouring Woking postcode district GU23 is a new entry into the top 20, in seventh place.

Another Birmingham postcode district, B94, also features in the top 20, with 45.80 claims per 1,000 quotes1. Despite many areas of Birmingham featuring heavily in the most burgled locations in the UK, just three per cent of residents say they feel unsafe when at home3.

The CM4 postcode district of Ingatestone, located just south of Chelmsford, has risen from 11th place last year to second in this year’s rankings4, with 49.76 claims per 1,000 quotes1. Despite an increase in the area, only three per cent of residents in the Chelmsford area feel unsafe in their home.

Rank

Postcode district

Post town

Contents theft rate (per 1000) *

1

B95

Henley-in-Arden

50.46

2

CM4

Ingatestone

49.76

3

IG5

Ilford

47.56

4

EH4

Edinburgh

46.43

5

LS8

Leeds

46.30

6

B94

Solihull

45.80

7

GU23

Woking

45.30

8

SK8

Cheadle

45.29

9

EH15

Edinburgh

43.99

10

M21

Manchester

43.98

11

CB5

Cambridge

43.48

12

M20

Manchester

42.92

13

BS7

Bristol

42.79

14

RH8

Oxted

42.65

15

SK4

Stockport

42.08

16

L16

Liverpool

42.04

17

LS17

Leeds

41.81

18

BS9

Bristol

41.78

19

TW11

Teddington

41.32

20

IG9

Buckhurst Hill

41.28

Highest postcode districts for contents claims on home insurance policies

Perceptions vs reality

When identifying how residents feel about the burglary rate of their local area, those in Leeds (31 per cent) and London (28 per cent) are the most likely to believe they live in a burglary hotspot. The largest disconnect between perception and reality is in Belfast where, despite almost a quarter (24 per cent) of residents thinking they live in an area targeted by thieves, the contents theft rate is only 7.2, less than half the national average of 14.8.

Major city

Postcode

% of local residents who believe they live in a burglary hotspot

Contents theft rate (per 1000)

Belfast

BT

24

7.36

Birmingham

B

22

21.24

Bristol

BS

18

17.09

Cardiff

CF

11

11.95

Edinburgh

EH

15

20.19

Leeds

LS

31

26.49

Liverpool

L

18

15.72

London

N, E, W, SE, SW, NW, WC, EC

28

16.69

Manchester

M

21

23.43

Newcastle

NE

13

9.10

Lowest rates of burglary claims5

Of the postcodes with at least one claim for theft, Whitehaven near Carlisle (CA28) has the lowest rate, with 0.76 claims per 1,000 quotes. The region around Carlisle features three times in the 20 areas least likely to be burgled, with Cockermouth (CA13) and Mayport (CA15) in third and 15thplace respectively. Other areas successfully keeping burglars at bay include Falmouth in Cornwall (TR11), with a rate of just 0.92 per 1,000, and Aberystwyth (SY23), with a rate of 1.08 per 1,000. There are also 98 postcode districts with no recorded claims, according to MoneySuperMarket data6.

Impact on premiums6

MoneySuperMarket analysis found that, on average, those who have been subject to a burglary over the past five years pay an average of 16.8 per cent more for their contents insurance policy.

Emma Garland, data scientist at MoneySuperMarket, commented: “Over the past 12 months, burglars have mostly been targeting suburbs and urban areas, with the safest areas dominated by smaller towns and villages.

“Anyone that has ever been burgled will tell you that the cost goes beyond the value of the items stolen, from the psychological impact of your home being violated to the difficulty of replacing things with sentimental value. That’s why it’s surprising to see that almost half of people haven’t put any additional protection in place for their home, despite one in five believing they live in a burglary hotspot.

“For thieves, it’s all about risk versus reward – if the reward looks likely to exceed the risk, they are going to target that home. Homeowners must do as much as possible to tip the balance in their favour and make things harder for burglars.

“People who have been targeted by thieves previously pay an average of 16.8 per cent more for contents insurance, so it pays to ensure your home is as protected as possible. If you take precautions - such as fitting new door and window locks, installing bar windows where necessary and using security cameras – you can reduce both your contents insurance and your anxiety about getting burgled. Looking for the best deal possible at every renewal will also help keep premiums low.”

People can check how their area compares to neighbouring postal districts and other locations in the UK by visiting MoneySuperMarket’s interactive Burglary Claims Toolwhich displays the rate of burglary claims made in every postal area in the UK. Visitors can also access information on how to improve their home security and reduce the likelihood of burglary.

Rank

Postcode district

Post town

Contents theft rate (per 1000) *

1

CA28

Whitehaven (near the Lake District)

0.76

2

TR11

Falmouth

0.92

3

CA13

Cockermouth (near the Lake District)

1.08

4

SY23

Aberystwyth

1.08

5

CA1

Carlisle

1.10

6

PL19

Tavistock

1.23

7

DD10

Montrose (East coast of Scotland)

1.24

8

NR10

Norwich

1.29

9

KY4

Cowdenbeath (near Dunfermline)

1.32

10

KY5

Lochgelly (near Dunfermline)

1.35

11

NR11

Aylsham (Norfolk)

1.36

12

DL8

Aysgarth (Yorkshire Dales)

1.39

13

PA8

Erskine (near Glasgow)

1.46

14

SW3

Chelsea

1.48

15

CA15

Mayport (near the Lake District)

1.48

16

AB25

Aberdeen

1.54

17

SA14

Llanelli

1.56

18

TD15

Berwick-upon-Tweed

1.57

19

TQ7

Kingsbridge (near Plymouth)

1.59

20

EX17

Crediton (near Exeter)

1.62

6 Analysis comparing 19618 identical quote pairs from January 2018 to December 2018 where the only difference is a burglary claim.

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