Contents insurance risk in Plymouth

Plymouth has a Gera Contents Risk Score (GCRS) of 6/10 (Moderate risk). The combined theft and robbery rate is 39.8 incidents per 1,000 residents per year — 21% below 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' (38.6/1,000) and 'Robbery' (1.2/1,000) — 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. Plymouth ranks #151 of 310.

With a theft rate of 38.6 per 1,000 residents (2024/25), Plymouth is classified as GCRS 6/10 (Moderate contents risk). This is broadly in line with the England and Wales average. 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 6/10 gives you a data-driven starting point for understanding your area's risk profile.