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Wednesday, 4 September, 2002, 15:18 GMT 16:18 UK
Home insurance postcode lottery
S West S East East Anglia London Wales Midlands N East & Yorkshire N West Islands N Ireland Islands Islands Scotland

Northern Ireland is the cheapest UK region for home insurance, according to a new survey of insurance costs.

Home insurance in London - with high crime levels - can cost three times as much as it does in Northern Ireland.

The AA compared the cost of insuring a three-bedroom semi around the UK and found vast regional differences.

According to the survey, the cheapest joint premium is found in Lisnaskea (BT92) in Northern Ireland at 223.

But it would cost the same person in West Norwood in London (SE27) 702 or almost 500 more.

Expensive cities

Living in a town or city is likely to push up your premiums, but there are still wide regional variations.

The cheapest city centres are Inverness (IV2) at 233; Aberdeen (AB25) at 241; Aberystwyth (SY23) at 243 and Exeter (EX1) at 278.

North West, North and South East London have the highest premiums, with average premiums close to 700.

Outside London, Liverpool (L6) is a comparatively distant 574; Manchester (M5) at 536; Birmingham (B5) at 513, followed by Glasgow (G5) at 476.

Content premiums

The average cost of contents cover in the UK is 158.

Regionally, the Scottish Islands (111) are the cheapest region but are closely followed by East Anglia (122).

But Londoners (250) are hardest hit for contents insurance and pay more than double that of the cheapest. The North West (212) appears significantly more expensive than neighbouring North East and Yorkshire (167), a difference of nearly 27%.

Douglas (IM1) on the Isle of Man is the cheapest place to live for contents cover at 105, while Ardwick (M12) in Manchester has to pay the most at 402.


There are a number of ways people can cut the cost of their home insurance:

  • Shop around

  • Consider switching from your mortgage company to a general insurance provider;

  • Use a good broker that will shop around at renewal time for competitive quotes;

  • Fit high-quality locks on exit doors and windows;

  • Fit a smoke alarm and insurer-approved burglar alarm;

  • Join your local Neighbourhood Watch scheme;

  • Keep valuables to a minimum.

Costs by regions:

East Anglia Bury St Edmunds (IP33) 250 Cambridge (CB5) 279 Ipswich (IP4) 263 King's Lynn (PE30) 292 Lowestoft (NR33) 259 Norwich (NR3) 302 Regional average: 279

London Bow (E3) 572 Camden Town (NW1) 584 Finsbury (EC1) 542 Highbury (N5) 627 Notting Hill (W11) 547 Peckham (SE15) 678 Putney (SW15) 415 Wapping (E1) 570 Regional average 476

Midlands Aston (B6) 548 Derby (DE23) 270 Melton Mowbray (LE13) 258 Milton Keynes (MK1) 287 Solihull (B91) 289 Telford (TF3) 279 West Bromwich (B70) 357 Wolverhampton (WV2) 385 Regional average: 292

Northern Ireland Bangor (BT20) 232 Belfast (BT3) 263 Enniskillen (BT74) 231 Londonderry (BT48) 241 Portadown (BT62) 228 Portrush (BT56) 239 Regional average: 241

North East & Yorks Bishop Auckland (DL14) 262 Gateshead (NE8) 472 Kingston Upon Hull (HU2) 372 Leeds (LS2) 443 Selby (YO8) 253 Sheffield (S2) 353 Sunderland (SR1) 373 Whitby (YO21) 263 Regional average: 306

North West Blackpool (FY4) 305 Bootle (L20) 582 Carlisle (CA2) 263 Kendal (LA9) 237 Oldham (OL1) 397 Preston (PR1) 318 Standish (WN6) 318 Stretford (M32) 402 Regional average: 363

Scotland Aberdeen (AB25) 241 Campbeltown (PA28) 247 Crieff (PH7) 236 Dingwall (IV15) 237 Dundee (DD2) 255 Leith (EH6) 290 Mallaig (PH41) 236 Partick (G11) 390 Regional average: 264

South East Basildon (SS14) 376 Canterbury (CT1) 293 Crawley (RH11) 341 Eastbourne (BN21) 281 Harpenden (AL5) 288 Reading (RG1) 331 Sevenoaks (TN13) 312 Woking (GU22) 279 Regional average: 315

South West Bristol (BS2) 478 Glastonbury (BA6) 276 Ilfracombe (EX34) 252 Newton Abbot (TQ12) 261 Penzance (TR18) 263 Plymouth (PL1) 296 Regional average: 270

Wales Cardiff (CF3) 338 Flint (CH6) 281 Lampeter (SA48) 240 Llandrindod Wells (LD1) 227 Rhyl (LL18) 289 Swansea (SA1) 288 Regional average: 267

Islands Barra (HS9) 281 Douglas (IM1) 248 Lerwick (ZE1) 252 Stornoway (HS1) 272 Regional average: 260

See also:

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