Covid has had an impact on home insurance, with exercise-related claims up and iron damage down

Damage from iron burns and theft from home fell as a result of the lockdown, new insurance data revealed.

Meanwhile, according to Aviva, the most common items to show up on an insurance claim were hearing aids, exercise bikes and hot tubs.

The insurer said damage caused by exercise machines and pedal bikes was also more likely during the period when Britons were forced to stay at home.

The insurer’s analysis of home insurance claims since early 2020 found a decrease in the number of carpets damaged by irons.

Accidental damage was the number one reason for claims, with carpets being among the most damaged items.

However, iron burn claims fell 42 percent in 2021 compared to the 2017-2019 average, as more people worked from home and were more likely to prefer casual clothes that didn’t need ironing.

Face masks also led to more than 1,000 claims in 2020 and 2021, as hearing aids and earrings were lost or damaged while people put on or took off masks.

Hearing aids accounted for 70 per cent of those claims, with an average value of £1,400. Glasses were also lost or broken after customers took them off because masks fogged them up.

More of bills

There was also an increase in exercise-related claims, which rose 200 percent in 2020 compared to the 2016-2019 average.

Home workouts meant that tablets and phones were regularly torn down or smashed while people were using exercise equipment.

Weights have been dropped on tile and laminate floors, and in one instance, a client’s daughter spilled water into a TV during a Joe Wicks workout session.

Home insurance claims related to hot tubs nearly tripled in 2020. According to Aviva, the claims included a lawn trimmer that burst an inflatable tub, birds pecking holes in a spa cover and an engagement ring that ripped a tub liner.

Hot tub-related claims in 2021 were still well above pre-pandemic levels, but had declined 12 percent compared to 2020.

Home theft down, bike theft up

While home thefts declined overall, the increase in bicycle use meant that bike thefts accounted for 34 percent of all thefts in 2021, compared to 20 percent in 2019.

Thefts from outbuildings, garages and sheds also decreased, although not as dramatically as in the main residential buildings themselves.

However, recent data from the Office for National Statistics showed that 64 per cent of burglaries in England and Wales happened while people were at home, so Aviva urged people to be on the lookout.

It added that garden fire-related claims increased by 27 percent in 2020 compared to 2019.

This is believed to be due to people burning household and yard waste on campfires or in incinerators while local landfills were closed.

Barbecue fires also increased during this period as people socialize at home.

Kelly Whittington, Property Claims Director at Aviva said: “We are constantly monitoring how claims trends are changing and evolving so we can protect our clients.

“We have certainly seen some fluctuations during the Covid pandemic. Some of these changes appear to be related to a specific point in time, but there are broader behavioral trends, such as B. hybrid working, which will probably have a longer-term impact on our claims processing.

“Whatever the potential problem, whether it’s a hot tub or a hearing aid, an iron or an exercise bike, we always urge our customers to be on the lookout for potential hazards. Hopefully we can help protect possessions and prevent distressing situations wherever possible.”

Leave a Comment