Office for National Statistics shows that 42% burglaries in England & Wales have taken place when the occupants were not in their household. And M&S Bank revealed that on average holidaymakers leave their home unoccupied for 10 days during the summer.
With the summer at its peak most of us would be on holiday or at least planning to go soon. The issue is that many homeowners have not planned any security precautions and is often overlooked.
Does my Insurance policy cover burglary?
Your home insurance should be covered by burglary but often the case there is many scenarios which could lead to your Insurance Claim being rejected by insurers.
Your policy states that long extensive holidays where your home is left unoccupied for more than 30 consecutive days can lead to a repudiation.
Most policies state that homes should be protected by a minimum level of security. This generally includes deadlocks on external doors and locks on accessible windows. Having security systems like burglar alarms and CCTV can often lower your insurance cost and also provide you with the extra security to prevent burglars. In the event of a claim you will have a higher chance of being paid out as you have shown adequate effort to secure your home.
Our advice is to be accurate with your insurance provider. If you have mentioned to them that you have a burglar alarm and is required in policy. Not doing so may lead to a repudiation in your claim. Always forget to set the alarm every time you leave your home. Never use a dummy alarm as this will not reduce your insurance premium.
Check your policy that you are covered for high-value items. For certain high-value items, additional cover may be required to protect them in case of an incident.
Top 6 things you can do to deter burglars while you are away.
- Motion Lights - Install affordable motion-activated security lights in your garden or front entrance.
- Keep all windows and doors locked
- Pretend you are home - Install Energy Saving bulbs and keep one on or install timers
- Keeping Tabs - Ask a friend ,neighbor or relative to keep an eye or check your home every once in a while.
- Keys - Don't leave any spare/hidden key
- Social Media - Beware of social media, your privacy on the internet and can be observed by anyone. Next time, think when posting a nice picture of you on the beach or at the airport.
If you have had a recent home burglary and are looking to claim. call us on 0333 2101 999.