Protect your garden this spring - Home insurance - News - Moneyfacts


Protect your garden this spring

Protect your garden this spring

Category: Home insurance

Updated: 31/03/2016
First Published: 31/03/2016

This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

The clocks have moved forward, the days are longer, and spring has officially sprung – but more hours of sunshine herald the need to check that your outside spaces are protected from opportunistic thieves.

Clocking in hours in the garden

The beginning of spring means that the green-fingered among us will be heading outside with their gardening tools and equipment, while others will be bringing the patio furniture out from its winter of hibernation. But is your garden secure enough to cope with it?

Figures from Lloyds Bank Insurance show that unforced burglary claims cost an average of £1,120 last year, with there being a 14% rise in such claims during the summer months than in winter. Claims of this nature reached their peak in July, showing a clear correlation between the temperature and garden theft.

Given how much you can spend on your garden in a typical year, it makes a lot of sense to protect it. The figures went on to reveal that UK homeowners spend an average of £318 on items for their garden every year, while those with children spend even more (£380/year on average), with things like Wendy houses (20%), swings/slides (26%) and trampolines being particularly popular.

These kinds of items can be desirable to thieves, but even more traditional garden purchases can garner attention – expensive tools, lawnmowers and even pricey plants can all prove attractive. However, despite the amount spent on outdoor spaces, 41% of respondents admitted that they haven't got secure locks on garden gates and 22% said they left items outside that weren't insured, and a further 16% didn't know if they were insured or not.

Time to take action

Happily, it needn't be too expensive or time-consuming to rectify things. Start by making sure that garden sheds, gates, garages and outbuildings remain securely locked when not in use, and make sure there aren't any gaps in fences or bushes that could provide an easy path for thieves.

Don't leave expensive equipment in plain sight – always safely store tools and lawnmowers away from prying eyes – and you may even want to invest in gravel for the paths or driveways so that you can be alerted should anyone be on your property. And, if the worst should happen, make sure you're prepared by marking valuable items with your postcode and keeping photos in case anything is stolen, and make sure that your home insurance includes garden cover for added peace of mind.

"We know that burglars will often follow the path of least resistance, so it's a good idea for homeowners to ramp up security outside the home at this time of year to avoid becoming an easy target," said Tim Downes, senior claims manager at Lloyds Bank Insurance. "Taking some cost-effective simple steps and having adequate insurance that includes garden cover can help you avoid stumping up for stolen items should the worst happen."

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.

Related Articles

Mixed picture for home insurance premiums

Home insurance is one of those things that we all need, yet the only time we really think about it is when we renew and are presented with a new quote. But just what’s happening to prices in this sector of the insurance market?

Planning some DIY? Don't lose out!

The August Bank Holiday is almost upon us, and that can only mean one thing – DIY! But while tackling those jobs around the home is a common pastime for a long weekend, just make sure it isn’t a false economy…

Home insurance premiums remain at record low

The cost of the average combined buildings and contents insurance policy is at its lowest level in four years, the Association of British Insurers’ latest Home Insurance Premium tracker has revealed, with a typical policy currently costing just £309.