CHESTER, England, January 28, 2013 /PRNewswire/ --
- LS13 post code has the most burglary insurance claims
- London locations featured in 8 of the top 20 postcodes
- Households in high risk areas pay an average of 20 per cent more per year for cover
Homeowners in London, Leeds and Bradford are the most likely in the UK to make a claim for theft or burglary on their home insurance policy, and are paying 20 per cent more for their home insurance, according to analysis by MoneySupermarket. 
The UK's numberone placeto save money analysed 3.5 million home insurance quotes run on the site over 12 months as part of the MoneySupermarket Monitor on Home Insurance. Urban hotspots in London, Leeds and Bradford dominate the top 20 postcode districts most likely to have made a claim for theft or burglary from their home or garden.
The research found LS13 in Leeds, made up of Bramley, Gamble Hill, Moorside, Rodley and Swinnow, takes the top spot overall, followed by BD12 (Low Moor, Oakenshaw and Wyke) in Bradford. The suburb of North Finchley (N12) in London came third. Eccles in Manchester (M30) also featured in the top ten, coming in at number four, followed by Harold Wood, Harold Hill and Noak Hill in Romford (RM3) in fifth position.
At the other end of the scale, homeowners in SA9 in Swansea, SA62 in Pembrokeshire and LA14 in Cumbria are amongst those least likely to have made a claim.
Further analysis of the impact on home insurance premiums shows that on average, householders living in higher risk postcodes will pay a fifth more for their cover, compared to the national average - or an extra £30 per policy annually.
Hannah Jones, home insurance expert at MoneySupermarket, said: "While there are clearly some areas of the country with a higher proportion of insurance claims for burglary than others, this doesn't actually mean the area is "rife" with crime. Thieves often specifically target areas with wealthy residents, or quieter areas where there's not a lot of passing foot traffic, where the rewards are potentially greater and the risk of being caught in the act may be lower. This year, the LS13 postcode in Leeds has taken the top spot for burglary insurance claims.
"Areas affected by higher rates of burglary insurance claims will see their premiums impacted - increasing by a fifth on average. Higher value properties could expect to pay even more than this. Insurers take a blanket approach to assessing postcode districts for home insurance premiums rather than looking at insurance applications on a case by case basis. So, although you may not have been a victim of burglary directly, you could be paying more for insurance if there are higher rates of burglary claims made within your postal area. The key thing is not to simply accept your insurance renewal - even if you live in a postcode which has a higher claim rate for burglaries, you can still save a packet by doing your research and switching to a better deal online.
"No matter where your house is, homeowners should take precautions when it comes to security - keeping doors and windows locked when you're asleep or your home is unoccupied, installing timers on your lights and ensuring items of value are kept away from easy view through windows, are simple things that can reduce risk. Installing a suitable alarm system and having adequate locks on doors and windows could help bring your premium down, as well as increasing security. It's also crucial to ensure your home contents insurance is fully up to date and is at a high enough level to cover all your belongings sufficiently as opportunistic thieves could strike at any time."
Notes to editors:
MoneySupermarket Monitor on home insurance
3,493,586 million quotes run on the MoneySupermarket car insurance site between 1 December 2011 to 30 November 2012. Burglary figures are based on claims made in the last two years at the current address lived in.
The 20 UK postcode districts most likely to claim for theft on their home insurance
Number of theft claims Previous Postcode per 1000 position District Town County / City enquiries (from top) Bramley, Gamble Hill, Moorside, 1 LS13 Rodley, Swinnow Leeds 34.8 5 Low Moor, Oakenshaw, 2 BD12 Wyke Bradford 34.2 87 North Finchley, 3 N12 Woodside Park London 31.9 402 4 M30 Eccles Manchester 31.6 946 Harold Wood, Harold Hill, Noak Hill in 5 RM3 Romford London 30.9 169 Balham, Clapham 6 SW12 South, Hyde Farm London 30.1 301 7 LS18 Horsforth Leeds 29.7 173 8 UB3 Hayes, Harlington London 29.5 1074 East Dulwich, Peckham Rye, Loughborough 9 SE22 Junction, Herne Hill London 29.1 199 Calverley, Farsley, 10 LS28 Pudsey, Stanningley. Leeds 28.4 89 Gants Hill, Newbury 11 IG2 Park London 28.1 64 Hull, Dunswell, 12 HU6 Orchard Park Hull 27.8 133 Apperley Bridge, parts of Eccleshill, Greengates, Idle, 13 BD10 Thackley Bradford 27.7 2 14 BD17 Baildon, Shipley Bradford 27.3 367 Aberford, Ferry Fryston, Garforth, Hillam, Kippax, Ledsham, Micklefield, Monk Fryston, 15 LS25 Sherburn-in-Elmet Leeds 26.9 648 Hampton, South 16 TW12 Hanworth London 26.7 179 Saltaire, Shipley, 17 BD18 Windhill, Wrose Bradford 26.2 7 Streatham, Norbury, Thornton Heath, Streatham Park, Furzedown, Streatham Vale, Mitcham, 18 SW16 Pollards Hill London 26.1 10 Armley, Farnley, New 19 LS12 Farnley, Wortley Leeds 26.1 19 20 BD6 Buttershaw, Wibsey Bradford 25.3 115
The 20 UK postcode districts least likely to claim for theft on their home insurance
Number of theft claims Postcode per 1000 District Town County / City enquiries Abercraf, Cwmllynfell, Cwmtwrch, Lower Cwmtwrch, Rhiwfawr, Upper Cwmtwrch, 1 SA9 Ystalyfera, Ystradgynlais Swansea 0.0 2 SA62 Haverfordwest Pembrokeshire 0.0 3 LA14 Barrow-in-Furness Cumbria 0.0 4 TQ3 North Paington Devon 0.0 5 EX31 Barnstaple Devon 0.0 Forfar, Glamis and 6 DD8 Kirriemuir Angus 0.0 7 KY7 Glenrothes Fife 0.0 Ivybridge, Brownston, Cornwood, Ermington, 8 PL21 Modbury, Ugborough Devon 0.0 Gorran Haven, Foxhole, Mevagissey, St Dennis, St 9 PL26 Ewe, Sticker in St Austell Cornwall 0.0 10 NR29 Great Yarmouth Norfolk 0.0 Aberdeen, Mastrick, Northfield, Middlefield, 11 AB16 Cornhill Aberdeen 0.0 12 NR19 Dereham Norfolk 0.0 Pettywell, Reepham, Hevingham, Stratton Strawless, Horsham St 13 NR10 Faith Norfolk 0.0 14 TQ5 Brixham Devon 0.0 15 NE7 High Heaton, Benton Tyne & Wear 0.0 16 CT21 Hythe Kent 0.0 17 RH20 Pulborough Sussex 1.6 Bampton, Burford, 18 OX18 Carterton Oxfordshire 1.7 19 NE22 Bedlington Northumberland 1.8 20 BA12 Warminster Wiltshire 1.9
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