These are the Scottish postcodes with the highest risk of housebreaking

These are the Scottish postcodes with the highest risk of housebreaking
The Birmingham postcode district, B95, topped the list as the area with the most house-breaking claims (Photo: Shutterstock)

Break-ins are on the rise in the UK, but some postcodes around the country are at higher risk of being targeted, new data has revealed.

A study by price comparison website MoneySuperMarket calculated a 16 per cent national increase in rates of theft, with two Scottish postcode districts listed in the UK’s top 10 worst affected areas.

Housebreaking hotspots

Housebreaking crimes in the UK have risen to a rate of 15.57 claims per 1,000 quotes in 2018, up from just 13.42 in 2017, according to MoneySuperMarket.

The company analysed more 2.5 million home insurance quotes from the last two years, identifying the Birmingham postcode district B95 as the UK’s top housebreaking hotspot, with a rate of 50.46 claims per 1,000 quotes.

Two Scottish postcodes also featured among the top 20, with the EH4 and EH15 regions of Edinburgh ranked in fourth and ninth place respectively, both with more than 43.99 claims per 1,000 quotes.

Elsewhere in the UK, Woking postcode district GU23 is a new entry into the top 20 this year, sitting in seventh place, while last year’s top housebreaking hotspot, Guilford (GU3), has fallen out of the top rankings and now sits in 171st place.

A second Birmingham postcode district, B94, also features among the top 20, with 45.80 claims per 1,000 quotes.

The highest postcode districts for contents claims on home insurance policies

  1. B95, Henley-in-Arden – 50.46 claims per 1,000 quotes
  2. CM4, Ingatestone – 49.76 claims per 1,000 quotes
  3. IG5, Ilford – 47.56 claims per 1,000 quotes
  4. EH4, Edinburgh – 46.43 claims per 1,000 quotes
  5. LS8, Leeds – 46.30 claims per 1,000 quotes
  6. B94, Solihull – 45.80 claims per 1,000 quotes
  7. GU23, Woking – 45.30 claims per 1,000 quotes
  8. SK8, Cheadle – 45.29 claims per 1,000 quotes
  9. EH15, Edinburgh – 43.99 claims per 1,000 quotes
  10. M21, Manchester – 43.98 claims per 1,000 quotes
  11. CB5, Cambridge – 43.48 claims per 1,000 quotes
  12. M20, Manchester – 42.92 claims per 1,000 quotes
  13. BS7, Bristol – 42.79 claims per 1,000 quotes
  14. RH8, Oxted – 42.65 claims per 1,000 quotes
  15. SK8, Stockport – 42.08 claims per 1,000 quotes
  16. L16, Liverpool – 42.04 claims per 1,000 quotes
  17. LS17, Leeds – 41.81 claims per 1,000 quotes
  18. BS9, Bristol – 41.78 claims per 1,000 quotes
  19. TW11, Teddington – 41.32 claims per 1,000 quotes
  20. IG9, Buckhurst Hill – 41.28 claims per 1,000 quotes

Low risk areas

The postcode district of Whitehaven, near Carlisle (CA28), was found to have the lowest rate of housebreaking claims, with just 0.76 per 1,000 quotes.

44 per cent of Brits failed to take any precautionary measures to protect their homes, such as installing a house alarm (Photo: Shutterstock)
Forty-four per cent of Brits failed to take any precautionary measures to protect their homes, such as installing a house alarm (Photo: Shutterstock)

A number of Scottish towns also featured among the list of lowest risk areas, including Montrose (DD10) and Cowdenbeath (KY4).

The lowest postcode districts for contents theft claims:

  1. CA28, Whitehaven (near the Lake District) – 0.76 claims per 1,000 quotes
  2. TR11, Falmouth – 0.92 claims per 1,000 quotes
  3. CA13, Cockermouth (near the Lake District) – 1.08 claims per 1,000 quotes
  4. SY23, Aberystwyth – 1.08 claims per 1,000 quotes
  5. CA1, Carlisle – 1.10 claims per 1,000 quotes
  6. PL19, Tavistock – 1.23 claims per 1,000 quotes
  7. DD10, Montrose (East coast of Scotland) – 1.24 claims per 1,000 quotes
  8. NR10, Norwich – 1.29 claims per 1,000 quotes
  9. KY4, Cowdenbeath (near Dunfermline) – 1.32 claims per 1,000 quotes
  10. KY5, Lochgelly (near Dunfermline) – 1.35 claims per 1,000 quotes
  11. NR11, Ayslsham (Norfolk) – 1.36 claims per 1,000 quotes
  12. DL8, Aysgarth (Yorkshire Dales) – 1.39 claims per 1,000 quotes
  13. PA8, Erkskine (near Glasgow) – 1.46 claims per 1,000 quotes
  14. SW3, Chelsea – 1.48 claims per 1,000 quotes

Precautionary measures

Despite research revealing that one in five (20 per cent) of Brits believe they live in an area where housebreaking is more than the national average, almost half have failed to take any precautionary measures to protect their homes.

Those who have been subject to housebreaking in the past five years pay an average of 16.8 per cent more for their contents insurance policy, according to MoneySuperMarket analysis.

“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,” said Emma Garland, data scientist at MoneySuperMarket.

“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.”