Alarm on house insurance

9
Found 8th Sep 2009
What type of alarm do you need to be covered on your house insurance and is a Yale wireles alarm system covered?

9 Comments

Usually needs to be NACOSS approved. DIY alarms do not meet this criteria.

Look at it this way.
You pay £400.00 a year without an alarm.
With an alarm is £380.00
Cost of an alarm means 25 years to get your value for money.

Original Poster

bigwheels;6235805

Look at it this way.You pay £400.00 a year without an alarm.With an alarm … Look at it this way.You pay £400.00 a year without an alarm.With an alarm is £380.00Cost of an alarm means 25 years to get your value for money.



Well when you put it like that, tee hee, just put in a new fancy wireless system, but wondered if it would help with teh insurance at all.

bigwheels;6235805

Look at it this way.You pay £400.00 a year without an alarm.With an alarm … Look at it this way.You pay £400.00 a year without an alarm.With an alarm is £380.00Cost of an alarm means 25 years to get your value for money.



Unless of course you are burgled, in which case you lose all your stuff and your premiums go through the roof........an occurrence which is much less likely with a working alarm fitted. :whistling:

A properly fitted alarm is WELL worth the money spent. Get one with smoke detectors fitted as well. When the smoke alarm goes off, the alarm goes off and you enter the code to turn it off.

If a burglar breaks into a house and an alarm goes off, he's gonna leg it. You can save money if you want, but when it's your families safety on the line ...

Most insurance companies insist on alarms when your contents value goes over a certain limit.

We have always had an alarm which we use but we told the insurance companies that we did not as it becomes a stipulation to your cover i.e. Saves you £20 a year but if you forget to turn it on and you are robbed there is no cover.

Unfortunately our insurance provider requires it to always be on now (even when we are asleep).

I have the option with AA house insurance to put a diy alarm fitted. I've got the Yale one and i can't fault it at all. Plus if you do have a fitted alarm that meets the insurance criteria you have to have it serviced by an alarm company every year which could end up being costly.

Don't get me wrong i would still like a hard wired professional alarm but until i can get the £500 my Yale will do.

The Therapist;6235775

Usually needs to be NACOSS approved. DIY alarms do not meet this criteria.



Also check to see if annual maintenance is required. If so, the value of a discount is negated, alarms just don't need servicing every year.

Banned

bigwheels;6235805

Look at it this way.You pay £400.00 a year without an alarm.With an alarm … Look at it this way.You pay £400.00 a year without an alarm.With an alarm is £380.00Cost of an alarm means 25 years to get your value for money.


or put the £400 in a bank and get about £15-20 per year interest to pay the extra premium

in 25 years, you'll still have the £400 :-D
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