Scotland

No home contents insurance

Key points

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Graph 1: Over time

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Graph 2: By type of area

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Graph 3: By income

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Graph 4: By housing tenure

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Graph 5: By social class

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Definitions and data sources

All five graphs show the proportion of households lacking home contents insurance.

The first graph shows change over time.

In the second graph, the data is broken down by the type of area using a six category urban-rural hierarchy stretching from the four cities at one end to remote rural areas at the other.  The definitions are: 'the four cities': Glasgow, Edinburgh, Dundee and Aberdeen; 'other urban': population between 10,000 and 125,000; 'small accessible': population between 3,000 to 10,000 and within 30 minutes drive of a settlement of more than 10,000; 'small remote': population between 3,000 to 10,000 and more than 30 minutes drive of a settlement of more than 10,000; 'accessible rural': population less than 3,000 and within 30 minutes drive of a settlement of more than 10,000; and 'remote rural': population less than 3,000 and more than 30 minutes drive of a settlement of more than 10,000.

In the third graph, the data is broken down by net income quintile.  Note that these incomes are the net income of the highest income earner in the household and partner (if applicable).  As such, they are not directly comparable with other surveys and single person households will be disproportionately represented in the poorest quintile.In the fourth graph, the data is broken down by housing tenure.

In the fifth graph, the data is broken down by social class (omitting those whose social class is not known).

The data source for all the graphs is the Scottish Household Survey (SHS).  To improve its statistical reliability, the data in the second to fifth graphs is the average for the latest three years.

Overall adequacy of the indicator: high.  The SHS is a large survey designed to be representative of private households and of the adult population in private households in Scotland.  Note, however, that the breakdown by income uses incomes which are not adjusted for household size and thus single person households will be disproportionately represented in the poorest quintile.

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External links

See the Centre for Socially Inclusive Services and their report on Access to Financial Services.

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