Contents insurance risk in Cambridge

Cambridge has a Gera Contents Risk Score (GCRS) of 10/10 (Very High risk). The combined theft and robbery rate is 77.1 incidents per 1,000 residents per year — 53% above the England & Wales average of 50.3/1,000. Source: Home Office CSP crime data, 2024/25.

The Gera Contents Risk Score combines two Home Office offence categories — 'Theft offences' (75.0/1,000) and 'Robbery' (2.1/1,000) — and divides by ONS mid-2023 population. The resulting rate per 1,000 is percentile-ranked across all 310 Community Safety Partnerships to produce a 1–10 band. Cambridge ranks #19 of 310.

With a theft rate of 75.0 per 1,000 residents (2024/25), Cambridge is classified as GCRS 10/10 (Very High contents risk). This is above average for England and Wales. Contents-insurance premiums are influenced by many factors beyond this rate.

Area crime statistics are one of many factors considered by insurers when pricing contents insurance. Higher theft rates generally correlate with higher premiums, but insurers also weigh your specific address, security measures, property type, and claims history. A GCRS of 10/10 gives you a data-driven starting point for understanding your area's risk profile.