Burglar Alarm - worth telling insurer I have one?

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
1 reply 429 views
Shariq8Shariq8 Forumite
5 Posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Hi


Despite having a ADT burglar alarm installed, I am finding that it does not reduce the cost of my home insurance. I.e. the quotes are the same whether I say yes or no to the burglar alarm questions.


Bearing this in mind, I don't think its worth telling the insurer about the alarm as it isn't improving the price and if I ever forget to turn the alarm on and then get burgled, then they may reject my claim. But is there any downside risk if I don't tell the insurer about the alarm?


Thanks

Replies

  • EdGasketTheSecondEdGasketTheSecond Forumite
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    Hard to say. In theory if you don't tell them then you shouldn't have to use it all the time. However check to see if in the T&C's there is a phrase along the lines of '..all security measures must be in place...'. Alternatively email them and get a written reply.

    Alarm companies say you get an insurance discount as a selling point but you rarely do and if so then its around 5%.
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