Ivybridge is least burgled place in the country, says insurance industry
People living in and around Ivybridge are among the least likely in the country to be burgled according to new industry figures.
The insurance data breaks down which postcodes are most and least likely to be burgled - and PL21 is at the bottom - with zero burglary insurance claims.
The postcode covers Ivybridge, Cornwood, Brownston, Ermington, Modbury and Ugborough.
It is one if three South West areas in the bottom 10 along with PL26 (in Cornwall) and EX31 (north Devon).
The data, compiled by moneysupermarket.com, shows that people in part of Leeds are most at risk of being burgled.
The research analyses insurance claims registered when people use moneysupermarket to look for an insurance quote.
It uses 3.5million home insurance quotes run on the site over 12 months.
Hannah Jones, home insurance expert at MoneySupermarket, said: “While there are clearly some areas of the country with a higher proportion of insurance claims for burglary than others, this doesn’t actually mean the area is “rife” with crime. Thieves often specifically target areas with wealthy residents, 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. This year, the LS13 postcode in Leeds has taken the top spot for burglary insurance claims.
“Areas affected by higher rates of burglary insurance claims will see their premiums impacted – increasing by a fifth on average. Higher value properties could expect to pay even more than this. Insurers take a blanket approach to assessing postcode districts for home insurance premiums rather than looking at insurance applications on a case by case basis. So, although you may not have been a victim of burglary directly, you could be paying more for insurance if there are higher rates of burglary claims made within your postal area.
“No matter where your house is, homeowners should take precautions when it comes to security – keeping doors and windows locked when you’re asleep or your home is unoccupied, installing timers on your lights and ensuring items of value are kept away from easy view through windows, are simple things that can reduce risk. Installing a suitable alarm system and having adequate locks on doors and windows could help bring your premium down, as well as increasing security. It’s also crucial to ensure your home contents insurance is fully up to date and is at a high enough level to cover all your belongings sufficiently.”
The data is part of moneysupermarket's quarterly review of the sector - which also shows...
•The cost of home insurance fell across all types of cover in Summer 2012, overall, home insurance decreased by 5.4%
•Combined home insurance cover decreased by 8.4%, standalone buildings by 2.6% and contents by 14.8%
•While home insurance premiums fell in 111 out of 121 postal regions across the UK, all London regions registered rises during the second quarter of 2012.
•Man-made accidents are the major source of home insurance claims across both buildings (60%) and contents insurance (60.3%).
•The average value of specified items on home insurance policies has risen again to £3,095 from £2,979 in Spring 2012. Laptops and bicycles remain the most commonly specified items while coin collections are the most expensive worth £5,894 on average