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Insurance Advice for Security Alarms


Although many of us nowadays have security alarm systems fitted to our houses or business premises, it does not automatically offer the assumed protection of a police or alarm service provider response.

 

We are aware that some police forces around the UK simply do not have the resources to be able to respond as you would expect. This development has come about as a result of the growing number of “false alarms” and perceived time wasting impact of situations such as “my cat must have triggered it off”.

 

With this in mind, we would encourage you to check your alarm system paperwork or look up local police response information to ensure that you know how to react should your alarm go off unexpectedly.

 

In particular, if your alarm system is connected to a central service supplier, we would encourage you to study the small print of your agreement to check whose responsibility it is to notify the police of a suspected break in and the onus that the wording places on you to attend or inspect the site for intruders or signs of a break in.
 
If you have specified to your insurer that you have an alarm, they will often put a condition on your policy that the alarm has to be set, when the property is empty. Failure to do so could invalidate your policy.  If you would like to discuss any concerns please contact us to discuss.

         

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