23 October 2018

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  • Home theft claims increase by over a third (34%)* in winter months
  • Friday is the day most likely for a theft to occur
  • Frequency of motor claims also increase

With daylight saving time coming to a close, Co-op Insurance is warning homeowners to be vigilant with the safety of their homes, as it reveals there is a significant spike in home and motor claims when the clocks go back.

Analysis of thousands of customer claims since 2013 reveals that home theft claims increase by 34% in the five months after the clocks go back – this year scheduled to be on 28 October.

Winter nights provide an opportunity to easily spot unoccupied houses with no lights on, alongside dark nights offering burglars low visibility.

According to Co-op Insurance data, home thefts between November and March are more likely to be via forced and violent entry than in the summer months, with Friday being the day thefts are most likely to occur. In comparison, thefts in summer months are more likely to be opportunistic, which are deceptive and non-forcible type thefts.

Co-op Insurance’s top tips to protect your home from burglary

  1. Leave a light on when you are out or invest in a light timer
  2. Install exterior security lights at the front and back of your property
  3. If possible, invest in a CCTV system
  4. Don’t post your location on social media sites
  5. Ensure doors and windows are locked
  6. Set your burglar alarm
  7. Ensure outbuildings/sheds are secured
  8. Don’t leave valuables on display
  9. Never leave car keys within easy reach of a letterbox
  10. Don’t leave ladders outside your home

The data also reveals that around the time of the clocks going back, frequency of motor claims increase by 10% due to road traffic accidents.

Whilst driving conditions are generally more difficult with the darker nights, the insurer is urging drivers to consider the additional contributing factors:

  • Drivers not turning their lights on
  • Vehicles having faulty lights or generally not well maintained
  • Colder weather
  • Wetter road conditions or icy roads
  • Windscreens/glass becoming frozen and cracking

Ian Kershaw, head of claims at the Co-op Insurance said:

“Unfortunately darker nights lead to more burglaries, so as the nights draw in, we’re urging people be really vigilant when it comes to their personal safety, as well as the safety of their home.

“Nobody should have to go through the trauma of having their property burgled. Whilst in a lot of cases it is simply bad luck, there are things that homeowners can do to deter thieves such as installing CCTV cameras, or at least dummy ones, and having a professional burglar alarm fitted to make burglars think twice.

“Looking out for yourself and your neighbours can actually have a real impact in creating a safer community. But, if you do see anything suspicious on your street, never put yourself in danger by going investigating alone, instead call the police.”


Note to editors

*Claims data analysed from 2013, comparison between 5 months preceding the end of daylight savings time and 5 months after

Media Contact:

Jenna Moss
Press & Media Relations Manager
Tel: 0161 767 4354/07540 641368
Email: jenna.moss@co-operative.coop