Claims: Car Owners in Herts Make The Most Insurance Claims

People in Hertfordshire are more likely to claim on their car insurance than anywhere else in the UK, according to new research from the UK’s leading price comparison site MoneySuperMarket.

The data, which looked into 17.8 million MoneySuperMarket car insurance enquiries, broken down by postcode area, between January 2017 – July 2019 shows that Watford has the highest car insurance claim rate per 1,000 enquiries. Hemel Hempstead, Stevenage and St. Albans, plus Chelmsford in Essex, complete the top five.


The Isle of Lewis in Scotland has the fewest claims per 1,000 residents in the country, followed by Kirkwall, the largest town of Orkney in Scotland.

Rachel Wait, consumer affairs spokesperson at MoneySuperMarket, commented:

 “No claims discounts are a great way to save money on your car insurance, as insurers are keen to reward those who prove they’re safer drivers, and multiple years without claiming for damage is the best way to demonstrate this.

“It’s worth noting that when switching your car insurance policy, many insurers also honour no claims discounts accrued during your time with your previous insurer, so finding a better deal won’t necessarily mean starting from scratch. The number of years honoured varies, so it’s important to find out how it might affect you before you switch.”

The most effective way to drive down car insurance costs is to accumulate a healthy no claims discount, with safer drivers being able to build up their no claims over a number of years. The research shows a saving for each year a no claims discount is kept intact, with five years claim-free driving seeing drivers save 24% on average, compared to zero years.

About alastair walker 12555 Articles
20 years experience as a journalist and magazine editor. I'm your contact for press releases, events, news and commercial opportunities at Insurance-Edge.Net

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