When are you most at risk during the year?



When is your property most likely to be ransacked? When's the safest day to be driving on UK roads? When are your children most likely to wreck your lap-top? We can't tell you exactly but Aviva has an idea. It has dug deep into its mountains of claim data and produced a financial almanac for the year ahead.

When, and where, do you need to take especial care in 2014?

Heed the warnings

It's water-related misery in January. It's not just the current deluges. It's burst pipes thanks to freezing temperatures and leaks. Heading into February Aviva finds Valentine's Day one of the worst days of the year for car theft and house burglaries with a 12% and 9% increase respectively compared to the average day.

"Couples enjoying a romantic night out is the likely reason for this rise," it says. Cars are the target again in March as motor thefts rise 14% on Mothering Sunday. But mind the kids. Easter Sunday sees a 7% increase in accidental damage claims compared to an average Sunday, with children at home and on holiday.

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Bad day for burglars

Household fires drop 17% as the weather gets brighter and warmer and people head out for Easter lunch rather than cooking at home. May Day seeks a 10% spike in accident claims with more people spending time at home - spilt drinks and damaged IT equipment are common claims.

But bad news for burglars: houses are full of families and opportunistic break-ins drop 14%. However the bank holiday brings more bikers onto British roads and that leads to 35% more motor bike accidents compared to a normal day.

Fathers' Day in June sees a rise of 11% in accidental damage claims as dads play - or fumble - with their new toys. However there is a drop of 23% in fire claims as families dine out to celebrate says Aviva.

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Kid trouble

Summer rolls on and with it brings Wimbledon and major football tournaments. This means a sharp increase in broken window claims – up 20%. "In addition, July 7th is also the third worst day of the year for burglaries, up 12% on average as the light and warm evenings lead to more doors and windows being left open."

With the school summer break about to end, August bank holiday sees an increase in accidents in the home (up 10%) as the kids take their last chance for getting into trouble before school returns. That means a drop in accidental damage incidents by 6%.

As evenings darken, it's back to burglaries – household thefts rise by 5% in the week the clocks go back in October and Halloween sees malicious damage rise by 160%. British Winter Time arrives, roads darken and become icier and car accidents rise 30%.

Day off

Those burglary figures peak in November with Bonfire Night - the worst day of the year for burglary and car theft (up 22% and 20%) as families leave home for the celebrations. Predictably, it's one of the worst days of the year for fire claims – up 60% says Aviva.

But for the worst fire claims, wait till December. Specifically, Christmas Day, which sees the highest increase in claims, up by 120%. "However, you're least likely to be burgled on Christmas Day and Boxing Day when even thieves take a couple of days off," says Aviva.

The five safest days for motor theft? Christmas Day to December 29th.

Top postcodes for theft

Top postcodes for theft