Home insurance Updated:
Opportunistic thieves can strike at any time, but the cover of darkness makes it easier for them to target promising homes. Sadly, with the clocks due to move back in just a few days' time (25 October), we have to admit that winter is well on its way, and with it comes far more hours of darkness – and far more opportunities for thieves to take things that don't belong to them.
By analysing claims data going back to 2013, The Co-operative Insurance found that theft claims on home insurance increase by 38% in the five months after the clocks go back to winter time. What's more, these thefts are more likely to involve force or violent entry than in the summer months, which could leave you with more damage to repair.
Homes are not the only places that are vulnerable to attack during the winter months – the research also found that motor insurance claims rose during the cold, bleak months. While the 6% rise can also be attributed to bad maintenance and difficult driving conditions, thefts of and from cars add to the overall total.
Commenting on the research, James Hillon of The Co-operative Insurance, said: "Darker nights unfortunately lead to an increase in home burglaries, so when the clocks change this coming weekend we are urging people to be more vigilant when it comes to home security."
So, how can you protect your home from would-be thieves?
There are plenty of things you can do to make more thieves think twice about targeting your home.
As a final note, make sure to check your home insurance. If you are unlucky enough to have a break-in, your insurance policy can help to cover the cost of lost valuables and any damage caused. Check that all essential and valuable items are covered, and ensure that it is still in date. If not, or if it's almost time to renew, check out the market to find the best deal.
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 Any products featured may be withdrawn by their provider or changed at any time.
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