Burglaries, fires and smashed windows – Aviva reveals its ‘claims calendar’
PUBLISHED: 11:47 17 January 2014 | UPDATED: 18:35 17 January 2014
Burglaries on bonfire night, accidental damage at Easter, and broken windows in July.
These are the key dates in Aviva’s ‘claims calendar’ – a study that reveals when insurance claims rise at different times of the year.
Based on ten year’s worth of data, the insurer has revealed on a month-by-month basis when accidents, damage and crime increases across the UK.
Its findings are:
• January: High numbers of water leaks as freezing temperatures cause burst pipes.
• February: Valentine’s Day is one of the worst days of the year for car theft and house burglaries with a 12pc and 9pc increase respectively compared to an average day. Couples enjoying a romantic night out is the likely reason for this rise.
• March: Cars are the target again as motor thefts rise by 14pc on Mothering Sunday.
• April: Easter Sunday sees a 7pc increase in accidental damage claims compared to an average Sunday, with children at home and on holiday a likely contributor. However household fires drop by 17pc as the weather gets brighter and warmer and people head out for Easter lunch rather than cooking at home.
• May: May Day also sees an increase in accidental damage claims, up by 10pc, as people spend more time at home - spilt drinks and damaged IT equipment are common claims. But as houses are full of families, burglaries drop by 14pc. The bank holiday also brings more bikers on to the roads and sadly that leads to 35pc more motor bike accidents compared to a normal day.
• June: Fathers’ Day sees a rise of 11pc in accidental damage claims as dads play with their new toys. However there is a drop of 23pc in fire claims as families head out to celebrate.
• July: Wimbledon and major football tournaments bring a sharp increase in broken window claims – up 20pc. In addition, July 7 is also the third worst day of the year for burglaries, up 12pc on average as the light and warm evenings leads to more doors and windows being left open.
• August: With the school summer break about to end, August bank holiday sees an increase in accidents in the home (up 10pc) as the children spend more time playing before they go back to school.
• September: As the new term begins, September brings a drop in accidental damage incidents by 6pc, but as the evenings turn darker, burglaries start to cause problems again.
• October: Household thefts rise by 5pc in the week the clocks go back and Halloween sees malicious damage rise by 160pc. And as the roads get darker and icier car accidents rise by an average of 30pc in the week British winter time begins.
• November: Burglar figures peak with Bonfire Night the worst day of the year for burglary and car theft (up 22pc and 20pc) as families go out to enjoy the celebrations. It is also one of the worst days of the year for fire claims – up 60pc.
• December: Christmas Day sees the worst increase in fire claims, up by 120pc. However, people are least likely to be burgled on Christmas Day and Boxing Day when even thieves take a couple of days off. And the five safest days for motor theft are from Christmas Day to December 29th.
Caroline Cooper, director of property claims at Aviva, said: “Although it’s impossible to predict what 2014 has in store for us it’s interesting to see how the time of year has an impact on the type of claims we see.
“From the romance of Valentine’s Day ruined by burglaries and car theft, to broken windows during major sporting events, kids running riot in the summer holidays and the numerous risks when the clocks go back, our data highlights the change in risks throughout the year.
“And, although dramatic weather events like storm and flooding can have an impact at any time, it’s clear that there are some incidents that are more likely to happen on specific dates. So heed the warnings and stay safe whatever the season.”
Have you made an insurance claim in unusual circumstances? Contact business writer Ben Woods at email@example.com or call 01603772426