Home insurance on a new property - no burglar alarm or smoke alarm giving me a high quote

Hi, I am buying a house - exchanging this week and need to get my buildings/content insurance in place.

The current owners do not have a burglar alarm, or smoke alarms, and I am getting insurance quotes for £300 to £800 which I would guess is because of this.

I intend to install both burglar and smoke alarms as soon as I am in the property - but they won't have this at the point of exchange so I don't want to under-insure.

Will insurance companies just adjust my premium once these are installed? Any experiences of good companies to go with?



  • ReardoaReardoa Forumite
    155 Posts
    They should though to be honest its unlikely to have much on an impact. More likely is the area you are moving to and the insurers experience in that area but there are several other factors.
    Obviously smoke alarms are a must but most people ignore house alarms these days.
    Put through a quote including them to see what difference it makes just make sure you don't accept it on that basis.
  • dunstonhdunstonh Forumite
    109.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Alarms discount only usually applies if you have a centrally connected alarm. Not an unconnected noisy one that everyone ignores. Plus, the alarm must be active every time.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • ACGACG Forumite
    22.1K Posts
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    £300 is not too bad!

    Why not buy one of these and ask if the vendors will put it somewhere out of the way http://www.argos.co.uk/product/7002991

    Job done for the fire alarm.

    Burglar alarm is a different matter.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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