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Can joining a Neighbourhood Watch group lower the cost of my insurance?

Can joining a Neighbourhood Watch group lower the cost of my insurance?

Ever thought about joining a Neighbourhood Watch scheme? There can be lots of advantages – including for your home insurance premiums. 

Chris King
From the Home team
3
minute read
posted 18 FEBRUARY 2020

What is a Neighbourhood Watch group?

Neighbourhood Watch schemes aim to bring neighbours together to create strong, friendly, active communities where crime and anti-social behaviour are less likely to happen. 

The groups aim to ensure that no one has to feel afraid, vulnerable or isolated in the place where they live. The goals are to help residents: 

  • share advice on home security
  • share advice on issues such as personal safety, fire safety, dealing with bogus callers and so on
  • become more vigilant
  • receive police information on crime trends and other local issues

Does joining a Neighbourhood Watch group lower my insurance premiums?

Neighbourhood Watch schemes are designed to reduce household crime. Some insurance providers recognise this and may reduce your home insurance premium as a result. 

When you complete a quote, we’ll ask if you belong to a Neighbourhood Watch scheme. If you’re a member, some insurance providers will offer you a 5% discount. Research carried out in 2014 suggested 33% of insurance providers offer discounts to Neighbourhood Watch members. 

Contents insurance premiums are inevitably higher if you live in an area regarded as higher risk. But whether you live in a high-crime area or a low one, you could still benefit from joining a Neighbourhood Watch scheme. Joining a Neighbourhood Watch scheme can also help you feel safer.

Curious about crime rates in your area? The police offer a free service where you can see crime locations and statistics for where you live. See the crime map on Police.UK.

What do I have to do as a Neighbourhood Watch member? 

If an insurance provider has given you a discount on account of your Neighbourhood Watch membership, they will expect you to be an active member of the scheme.  

If you make a claim, your insurance provider may ask for proof of membership. So, it might be helpful to attend meetings, share police information with other members and generally commit to the scheme.  

When you go on holiday, tell another member and ask them to keep an eye on your property. It’s also worth knowing other ways to improve your home security.   

So, if you’re not already a member, why not rally your community and create a Neighbourhood Watch scheme?, then see if you can save on your home insurance with our home insurance comparison service.  

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