Claims for malicious damage and theft typically rise during October and November, according to Aviva’s analysis of its home insurance data from 2021 to 2024.
The insurer attributes the increase to the clocks going back, Halloween, and Bonfire Night, which it says are linked to a seasonal spike in such incidents.
Aviva reported that claims for malicious damage are nearly a fifth (19%) higher in October and November compared to the rest of the year. Theft claims during these months also increase by 25%. In 2024, the average claim for malicious damage was £3,137, while the average theft claim reached £6,272.
The insurer’s data includes examples of malicious damage around Halloween, such as doors damaged by trick-or-treaters, broken windows from thrown corn on the cob, and stained front doors caused by eggs. These incidents, according to Aviva, can range from minor pranks to more serious acts of vandalism and break-ins.
Aviva also previously reported a 14% increase in the number of insurance claims declined due to fraud in 2024, identifying over 12,700 suspect claims valued at £127 million. This equates to around 35 fraudulent claims a day, with a total daily value of approximately £349,000.
Hannah Davidson, senior underwriting manager at Aviva, said: “While some of us look forward to the festivities that come with the darker months – such as Halloween – our data shows that malicious damage and theft tends to increase during this time.”
She added that some incidents stem from pranks that escalate, while others involve more significant vandalism and burglaries, resulting in thousands of pounds in losses.
“Thieves tend to be opportunistic, so if you’re heading out or will be away from home for a longer period, be sure to lock all your windows and doors and leave a light on,” Davidson advised. “Keep valuables out of sight, and if you can, shut all your curtains and blinds to keep your possessions hidden from prying eyes. Just five minutes of preparation could help to protect your homes and belongings.”
“With the clocks going back (on Sunday, October 26), we encourage residents to stay vigilant. If you witness or experience any vandalism or attempted theft, report it to the police and your insurance provider as soon as possible,” Davidson said.
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