In most cases, it shouldn’t make an immediate difference to your policy.

However, when it’s time to renew your policy, the terms of cover and/or premium may change (for example, the standard excesses may increase). You should also be aware that having a high claims history can make getting insurance in the future difficult.

If you have a break-in, we’ll offer suggestions on home security and may ask you to carry out security improvements, such as burglar alarms and window locks, before your next renewal.