Home insurance Updated:
It's a busy week for petty criminals. Not only has Halloween been and gone, but Bonfire Night is next on the horizon – and research from Aviva has revealed that Bonfire Night is one of the worst days of the year for insurance claims, with burglaries, car theft and fire claims seeing a significant spike.
The figures show that, compared with an average day, Bonfire Night sees a 20% rise in car theft, a 22% increase in burglaries and a 60% hike in fire claims. This is just a few days after Halloween, when claims for malicious damage soar by 160% – and Bonfire Night is next on the list.
Don't think that the costs will be negligible, either. A typical fire can cause about £12,800 of damage, while electronic gadgets, such as laptops, tablets and smartphones, top thieves' wishlists, and the cost of these can quickly skyrocket. That's why it's so vital to make sure you're properly protected from any financial loss by checking that your insurance policies provide the level of cover necessary, but it's also important to be proactive in your attempts to protect your belongings.
Sometimes, the best ways to be proactive are the simplest and most obvious, but it's surprising how many people overlook them, particularly at this time of year. The research found that a large number of people don't check their doors and windows are locked when hosting or attending parties: 13% of those surveyed leave their front door unlocked when they're having their own fireworks display, and two-thirds don't check their windows are locked.
This could provide burglars with easy access to their home, because if all the fun's happening in the back garden, opportunist thieves could easily sneak in through the front. This lack of thought doesn't just apply on home turf, either, as 33% of those that attend fireworks parties elsewhere don't check that their windows are locked before they leave.
Simon Warsop, chief underwriting officer at Aviva, commented:
"We have more burglary claims on Bonfire Night than any day of the year. Many families will be out enjoying the spectacle, but the distraction of loud fireworks gives opportunistic thieves the chance to steal from homes – especially if doors and windows are left unlocked.
"With more burglars on the prowl, this could lead to an unforgettable fireworks night for all the wrong reasons. And, with fire claims and vandalism also increasing during this period, stay vigilant and safe while enjoying the bonfire festivities."
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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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