‘Disgruntled trick-or-treaters’: Insurance claims for damage and theft to jump as spooky season approaches

Insurance claims for malicious damage and theft are set to jump as the spooky season approaches.

Aviva has urged households to be vigilant, saying the clocks going back, Halloween, and Bonfire Night tend to contribute to a spike at this time of year.

It said claims for malicious damage typically increased by 19% and thefts by 25% during October and November.

Damage to doors caused by disgruntled trick-or-treaters, broken windows from someone throwing corn on the cob, and doors stained by thrown eggs were among the examples seen by Aviva.

“In other scenarios, we see more serious acts of vandalism and break-ins to homes, resulting in thousands of pounds worth of damage and stolen items,” said senior underwriting manager Hannah Davidson.

The average claim for malicious damage in 2024 was £3,137, while the average theft claim was £6,272.

“Thieves tend to be opportunistic, so if you’re heading out or will be away from home for a longer period, be sure to lock all your windows and doors and leave a light on,” Davidson added. 

“Keep valuables out of sight, and if you can, shut all your curtains and blinds.”