A simples guide

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

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


Their aims are also to ensure that “no one has to feel afraid, vulnerable or isolated in the place where they live.”


The aims of Neighbourhood Watch are to:


• Allow residents to share advice on security of their home

• Allow residents to share advice on issues such as fire safety, personal safety, dealing with bogus callers etc

• Make residents more vigilant

• Allow the police to pass information to communities regarding crime trends, or any other issues residents need to be aware of.

How does it help reduce insurance premiums?

In recognition of the fact that Neighbourhood Watch schemes are designed to reduce household crimes, being a member of such a scheme can sometimes reduce your home insurance premium, as well as allowing you to feel safer.

When completing a home insurance quote, we will ask if you are a member of Neighbourhood Watch. If you are a member, then the insurance providers may offer you a reduced premium in recognition of the fact that you are part of the scheme. However not every insurance provider offers a discount to members, so this is something else to consider when choosing your provider.

Inevitably, contents insurance premiums are higher if you live in an area that insurance providers regard as higher risk. However, whether you live in a high or a low crime area, you could still reduce your premium by joining the scheme.

Research carried out in 2014 suggested 33% of insurance providers offer discounts to Neighbourhood Watch members.

What do I have to do as a member?

If you have received a discount as a result of claiming to be a member, then the insurance provider will expect you to remain an ‘active member’ of your scheme for the duration of your policy.

If you make a claim, then the insurance provider may well ask for proof that you are a member. So it might be helpful to attend meetings, share information provided by the police with your fellow members, share any crime-related concerns you have with your neighbours, and generally commit to the scheme.

If you go away on holiday, let another member of the scheme know, and ask them to keep an eye on your property.

neighbourhood watch scheme and home insurance

General household security tips

• Get an approved burglar alarm or security system

• Set your alarm every time you leave the property, even for a few minutes.

• Install good quality double locks on external doors

• Install good quality locks on all windows

• Don’t leave valuables – computers, other electrical equipment, jewellery etc. – close to windows

• Get a lockable safe where you can store valuables or bank statements, receipts and invoices should you need to

• Don’t forget your garden sheds and garages – install locks here as well

• Put ladders away when you are not using them.

So if you’re not already a member, why not get together with your neighbours and apply to set up a Neighbourhood Watch scheme?

To compare home insurance use our home insurance comparison service and see how much being a member of the neighbourhood watch could save you today.

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