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According to the insurer SNC, buildings insurance claims increased by 52% last November as the Vandals took the longest hours of darkness. Halifax reported an increase of 63 percent of burglaries during the winter months at an average cost of ￡ 2,623.

Martin Foulds, Manager of senior claims to Halifax Home Insurance, says owners should ensure that security and insurance measures are up to date. " Burglars tend to go the path of least resistance and look for houses that do not have even basic safety measures, so a few simple steps can go a long way to avoid a break-in.?

Here are the five steps you can take to help reduce the risk of becoming a victim, and order that you be compensated quickly if you're unlucky.

Most burglars are opportunists, so make sure that your home is not a target facile.Des simple measures such as security, window key locks and bolts lighting door can go very far to deter a burglar. If you're over a long period of time during the months of darkness, a switch timer on your lights at dusk will make your appear busy home. For good measure, you can also place a timer on your radio to deter thieves more.

If you have any valuables such as jewellery or hi-tech equipment you can mark them with a stylus ultraviolet.Ou you might consider smart, invisible fluid that can be used to mark the majority of household items. Police check routinely retrieved property smart, and they can return to the owners appearing on the enterprise database (you will need to pay for a subscription of ￡ 4.99 per month). It also helps to bind a criminal to a crime. However, some police forces are distributing smart - kits so check with your community safety team or the Neighbourhood Watch local team.

If you own your home you probably buildings and contents insurance. Verify that your strategy of buildings is cover you for winter storms and pipe bursting, as well as damage damaged by vandals and burglaries. Step all insurance cover as broken and damaged doors Windows emergency repair.Some will offer this type of coverage of emergency as an extra.

You should also check that you do not underestimate the value of your content.As well as the more obvious valuables, think about what it would cost to replace clothing, CD collections, carpets, curtains and furniture.Many people seriously neglected the collective value of these marchandises.Et many insurers offer "standard" content covered ￡ 30,000, it may not be sufficient for some households. "Don't forget, this is the value of replacement of the item you have assurance that counts, not the amount you paid for it.

If the worst happens, the right kind of action will ensure that your case is dealt with quickly by your assureur.Rapport the break-in or vandalism to the police as soon as possible - you'll need a number of incident .Ensuite quote this number to the insurer and provide more detail as possible regarding what has been taken and any damage was causé.Si your home was left not guaranteed after a break-in, make sure that the police and your insurer are aware.

If you have a mortgage, you are legally required to have insurance batiments.Cependant, many people make the mistake of assuming that they need to ensure their house for its market value what they need to do is to ensure that it cost of reconstruction, il.La Royal Institution of Chartered Surveyors (RICS) has a building cost Information Service (bcis.co.uk) which can help you calculate the cost of reconstruction.

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