Mosque insurance is essential. When you start looking at insurance quotes, they will be for your specific area. Each area has its own crime rate, rainfall, and more.
How does Manchester affect the quotes that you receive? Here are the most common factors to consider for Mosque insurance in Manchester.
Rainfall in the City
In most cases, rainfall isn’t going to do a lot of damage on its own. However, there are times when rain leads to flooding and leaks. Sometimes this is through natural causes like rivers overflowing. In other cases, it’s due to structural problems that cause leaks, such as the roof needing replaced.
Manchester sees most of its rainfall in the winter. The average precipitation is 4.1in in December[1], which is the largest rainfall of the year.
When getting Mosque insurance quotes, the location of your Mosque plays a huge part. If you live closer to the rivers, you’ll see higher quotes. If the River Irwell swells, for example, you’re at a higher risk of flooding by being closer to it. It’s all about risk.
River Irwell is known for flooding. The most recent cases have been in 2015 and 2020. There is work on preventing these floods[2], but nothing has been put in place yet.
Crime Stats in Manchester
Mosque insurance in Manchester is also affected by crime rates. The higher the crime rates, the more at risk the Mosque is at being broken into or damaged. Manchester isn’t considered just as a whole, but different areas of Manchester will carry different quotes.
Plumplot[3] has a map to show the highest crime rates across Manchester. The city as a whole has the 12th highest crime rates across England and Wales. On average, 42.3 violent crimes are reported per 1000 people. This number has increased by 6% over recent years, so insurance quotes will go up.
There are thing you can do to help reduce your insurance quotes. CCTV is an excellent investment. It helps to catch and deter criminals, lowering the risk to your Mosque.
Labour and Cost of Living
There are some factors that people don’t necessarily think of when it comes to Mosque insurance quotes. One of those is the supply and demand of skilled labour, which is necessary for rebuilding.
The cost of living also affects quotes. The more expensive an area is, the higher the quote is. Cost of living affects the rebuilding costs, and if an insurance company has to spend more on rebuilding, the quotes need to be higher.
The pandemic has caused a lot of problems for labour shortages and inflation. We are expected to see higher quotes for Mosque insurance in Manchester right now, but we could see a drop in the coming years as things start returning to normal.
[1] https://en.climate-data.org/europe/united-kingdom/england/manchester-3621/
[2] https://thefloodhub.co.uk/the-river-irwell-at-kearsley/
[3] https://www.plumplot.co.uk/Manchester-violent-crime-statistics.html
