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Green Building Bible, Fourth Edition
Green Building Bible, fourth edition (both books)
These two books are the perfect starting place to help you get to grips with one of the most vitally important aspects of our society - our homes and living environment.

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General: Building insurance; alarm

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    • CommentAuthorRex
    • CommentTimeSep 19th 2022 edited
     
    What ho one and all,

    My building insurance is soon due and the renewal premium has rocketed by 50%, probably owning to a £1700 Storm Eunice claim.

    In checking the various internet comparison sites, one question arises regarding the alarm. Mine is a plain vanilla alarm, only has internal PIR and activates the external sounder. Fitted it myself during the build, test is annually by ensuring the PIRs are working and the sounder activates, and every five years, change the back-up battery.

    But the questions all relate to having an annual approved expert check and test the alarm as well as 'was it installed by an approved installer?'

    I never know how to answer this question; it was installed ten years ago.

    I know insurance companies will find any reason to discard a claim, but how does one safely answer this question.

    Thanks and toodle pip
    • CommentAuthorArtiglio
    • CommentTimeSep 19th 2022
     
    Just say you don’t have an alarm. But do have a dummy external box with flashing led as a deterrent. Your existing system won’t satisfy the insurer in the event of a claim where a compliant system may have altered the insurers liability, so best to tell them you don’t have one or set out precisely what you do have and let them set the premium as they see fit. If it bumps the premium too much , get your local installer to quote for a wireless system, very little labour involved in the installation so usually not a kings ransom, then you have the annual inspection, which is where they make their money, but again shouldn’t be overly expensive. Then decide which suits you best.
    • CommentAuthorRex
    • CommentTimeSep 20th 2022
     
    You may be correct in suggesting to not include and alarm. It would be interesting to see the relevant premiums for with and without, but I don't think that is possible as premiums appear to alter by the minute, depending upon what the algorithm suggests and demand.
    • CommentAuthorMike1
    • CommentTimeSep 20th 2022
     
    Posted By: ArtiglioJust say you don’t have an alarm.
    I installed my own too, and that's what I always chose.

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