Home insurance Updated:
Homeowners have been told to make sure they have home insurance in place to avoid the 'triple trouble' which is due to strike this year.
The darker nights and Halloween usually signal a more risky time for homeowners.
However, for the first time in six years, British Summertime ends in the early hours of October 31 and five days later comes Bonfire Night too, statistically the worst night of the year for theft and burglaries.
According to Aviva, burglaries increase by 5% once British Summertime ends, with November 5th being the worst day of the year for break-ins to your home and car.
The extra hours of darkness also sees a 15% increase in car accidents compared to the week before.
Shockingly, Halloween sees a massive 150% rise in malicious damage claims to the home and a 50% increase in claims relating to damaged cars.
As a consequence of this year's triple threat, the insurer has urged all home and car owners to be particularly vigilant when the clocks go back at the end of the month.
"We always warn of the increased security risks around darker nights, Halloween visitors and, of course, firework parties in the back garden, but in 2010 we have everything coming all at once," said Rob Townend, property claims director at Aviva.
"Obviously the extra hours of darkness give opportunist thieves more time and better cover to slip unnoticed into your home or garden shed.
"On top of that we have Halloween, which often becomes a night of more damaging tricks than treats, and bonfire night, which means plenty of homeowners are out enjoying parties so cars are left unattended and homes empty.
"Of course, the additional noise means any suspicious sounds, like smashed windows, aren't heard."
Make sure you're prepared for the dangers posed by the darker nights this year, as well as Halloween and Bonfire Night, by checking your home insurance and car insurance policies.
With well known insurers such as Nationwide offering up to 30% off home insurance when you buy buildings and contents cover together, there is no excuse for not being protected.
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