Timely warning from NFU Mutual;
Homeowners and motorists are being urged not to neglect security as new analysis of insurance claims figures shows a 34% increase in theft claims as darker nights draw in.
Home and motor insurer NFU Mutual analysed the number of claims for theft on personal home and motor policies throughout 2021 and 2022. The analysis found that, on average, there is a 34% increase in claims for theft in October and November than the other months of the year. This increase comes as the days quickly shorten and the clocks are set to go back this Sunday, 29 October, providing cover and opportunity for thieves. Theft of and from cars sees a greater rise during this month, though there was also an increase in the average number of home theft claims.

Dave Rossall, Head of Motor Claims at NFU Mutual, said:
“The nights quickly close in at this time of year and by the time the clocks go back at the end of the October, we are left with very little light in the evening.
“Unfortunately, this also provides greater opportunities for thieves. Whether because homeowners and motorists are paying less attention to security or thieves are attempting to make the most of the extended cover of darkness, our analysis of NFU Mutual claims data shows a clear increase in thefts in October and November as people adjust to the darker nights. We urge everyone not to be complacent and to make sure they are taking basic security measures ahead of the winter.”
NFU Mutual’s guide to home and motor security
- Lock doors and windows and ensure there is no easy access to the property
- Store home and car keys away from doors and windows
- If you lose your keys, change your locks
- Do not leave valuables on display in your car and remember it is always safer to store high value items in a secure place at home
- Consider using a security light, camera or alarm – even a dummy device could put off potential thieves
- If possible, make your home more difficult to approach by closing any gates and porches and blocking approaches to windows
- When going away for a few days, take steps to hide tell-tale signs of unoccupancy – pause mail and milk deliveries or ask a neighbour to collect these things so they don’t build up, or ask friends and family to visit and spend time in your home

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