The most dangerous months of the year

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%VIRTUAL-SkimlinksPromo%New research pinpoints the days of the year when your car is most likely to be stolen, your house burgled or your laptop accidentally damaged.

When is your home most likely to go up in flames? When are your kids most likely to damage your laptop?
Non-one knows for sure, but Aviva has an idea.

The UK's largest insurance company has looked at 10 years' worth of its extensive claims data from around the country dating back to 2004 to produce an almanac of key days when our homes and cars are most at risk throughout the year.

Here's the month-by-month breakdown of when you need to take special care.


Aviva gets the highest number of claims for water damage at the begining of the year as freezing temperatures lead to burst pipes in the home.

Home insurance policies cover burst pipes as standard and some home insurers have a 24-hour home emergency helpline, which can assist you night or day should this happen to you.

If you are away when temperatures are likely to plummet you can avoid damage to your pipes by leaving the central heating on for a few hours a day.

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Valentine's Day is one of the worst days of the year for car theft and house burglaries as thieves take advantage of couples enjoying a romantic evening out.

Car theft claims shoot up by 12% and burglary claims typically rise by 9% compared to an average day.
Taking special care at this time of the year can prevent your home or car falling victim to opportunist thieves.

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Cars again become the target in March when motor thefts rise by 14% on Mothering Sunday.

Keeping your vehicle locked, removing valuables and using an alarm can deter potential thieves.

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Easter Sunday brings trouble, with a 7% increase in accidental claims compared to any average Sunday.

Most home insurance policies won't give you the full works when it comes to cover for accidental damage. If you think you wouldn't be able to afford any mishaps yourself, it's worth boosting your protection.

The good news in April is that household fires drop by 17% as the weather starts to improve and people head out for Easter lunch rather than cooking at home.

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The May Day Bank Holiday sees a 10% increase in accidental damage claims, as people spend more time at home. Spilt drinks and damaged IT equipment commonly make up the claims at this time of year.

But as houses are occupied with families enjoying the break, burglaries drop by 14%.

However, the Bank Holiday brings more bikers onto British roads which leads to 35% more motor bike accidents compared to a normal day.


Father's Day is another annual celebration that sees an increased risk to your home. Accidental damage was found to shoot up by 11% as dads get to grips with their new gadgets.

But there's a 23% drop in fire claims as families head out to celebrate.

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Major sporting events in July bring a sharp increase in broken window claims, up 20% in this period.
7th July is the worst day of the year for burglaries, up 12% on average, as the warm weather means more doors and windows are likely to be left open.

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As the long school summer break draws to an end, the August Bank Holiday sees an increase in accidents in the home - up 10% - as kids get up to mischief before they have to go back to school.

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Thankfully the start of a new school term brings a 6% drop in accidental damage. Phew!


But as the evenings turn darker, burglaries begin to flare up again. Household thefts rise by 5% in the week the clocks go back, while Halloween sees malicious damage rise by a whopping 160%.

And car accidents rise by an average of 30% in the week British Winter Time begins as roads get icier and driving conditions less favourable.


Bonfire Night is the worst day of the year for burglary and car theft.

Household break-ins rise 22% and car thefts go up 20% as families head out to enjoy the displays.

Predictably, Bonfire Night is also one of the worst days of the year for fire claims – up 60%.


But it's Christmas Day that sees the most dramatic increase in household fire claims. According to Aviva's figures claims typically go up by 120% compared to any other day during the year.

But you're least likely to be burgled on Christmas Day and Boxing Day, as even thieves take the time off.

The festive period also brings the five safest days for your motor, between Christmas Day and December 29th.

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The cheapest cars to insure
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The most dangerous months of the year

Price new: £5,995

Dacia has made a big impact in the UK with its line of affordable motors.
The Sandero is the foundation of the brand's offering and is famed for being the UK's cheapest car.

With a group two insurance classification it's also one of the cheapest cars to insure right now.
The entry level Access model is sparsely equipped, but it has a practical interior, big boot and low running costs.

Price new: £8,060

The Seat Mii is a small city car which Auto Express praises for its spacious interior, good build quality and supple ride.

All models are in insurance group one, bar the group two Sport version.
The Mii is available in three-door or five-door styles, but both measure just 3.5 metres, making it perfect for getting around town.

Price new: £8,090

The Skoda Citigo was crowned Auto Express Best City Car 2013.

The magazine praised its low running costs and practicality as well as its grown up driving experience.
Like its Mii stable mate the Citigo has group one insurance in all apart from its top specification model, making it one of the cheapest cars to insure.

Price new: £8,265

The third of the Volkswagen's group of three city cars to make the list is the Up!

Auto Express says the Up! was 'born to rule' city streets with its small dimensions and lightweight body.
There's three versions of this fun city car; Take Up! has a group one rating as does Move Up! while the higher spec High Up! gets a group two classification.

Price new: £8,345

The Hyundai i10 is another car which can get you a cheap insurance quote thanks to a group one insurance rating across all the 1.0-litre petrol models.

Auto Express says the new 2014 i10 offers big car features in a small package. And for £8,345 you also get Hyundai's five-year warranty and roadside assistance package.

Price new: £8,995

Vauxhall has managed to squeeze one of its full sized Corsas into insurance group two.
Auto Express says the 1.0-litre ecoFlex model has the lowest insurance costs of any mainstream supermini.

The eye-catching design, solid interior and big-car features make it an appealing buy for drivers.

Price new: £9,575

The Smart car caused a bit of a stir when it first appeared thanks to its dinky dimensions and bold two-seat layout, making it very useful for driving about town and absurdly easy to park.

The Smart ForTwo is the latest incarnation, which keeps to the same formula; it still has only two seats and is one of the smallest cars on the road measuring just 2.5 metres long,
The entry level 0.8- and 1.0-litre models qualify for group two insurance.

Price new: £11,810

The Peugeot Partner Tepee 1.6 VTi is the passenger version of the Partner van and according to Auto Express easily the most spacious new car that currently qualifies for a group two insurance rating.

It's got a boxy shape that provides plenty of room and has sliding doors which make it a very practical and flexible family car.

If you're after something smaller the Peugeot Bipper Tepee, which is the smallest of Peugeot's family of Tepee MPVs, also gets a group two insurance rating.


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