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Homeowners in Swansea, Pembrokeshire and Cumbria least likely to make burglary insurance claim

London, Leeds and Bradford dominate UK insurance burglary claim hotspots

Homeowners in London, Leeds and Bradford are not only the most likely in the UK to make a claim for theft or burglary on their home insurance policy, but are also paying 20 per cent more for their home insurance, according to figures from MoneySupermarket.

Meanwhile, homeowners in SA9 in Swansea, SA62 in Pembrokeshire and LA14 in Cumbria are among those least likely to have made a claim.

The research found LS13 in Leeds (Bramley, Gamble Hill, Moorside, Rodley and Swinnow heads the claims list, followed by BD12 (Low Moor, Oakenshaw and Wyke) in Bradford. The suburb of North Finchley (N12) in London came third. Eccles in Manchester (M30) is number four, followed by Harold Wood, Harold Hill and Noak Hill in Romford (RM3).

Hannah Jones, home insurance expert 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.

"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."