INSURANCE REQUIRMENTS
When it comes to intruder alarm insurance requirements, many insurers may have specific criteria to qualify for coverage. Here are some common requirements and considerations:
- Type of Alarm System: Insurers often require that the alarm system be professionally installed and monitored. Some may specify the type (e.g., wired vs. wireless) or brand of the system.
- Grade of Alarm System Grade 2 or Grade 3
- Communication devices signal path or dual path such as GPRS, LAN or WI-FI
- Certification: The alarm system may need to be certified by a recognized organization, such as the National Security Inspectorate (NSI) or the Security Systems and Alarms Inspection Board (SSAIB).
- Monitoring: Many policies require the alarm to be linked to a central monitoring station, which can police monitored in case of an intrusion.
- Maintenance: Regular maintenance and testing of the alarm system might be necessary. Proof of these activities may be required by the insurer.
- Notification to Insurer: You may need to inform your insurance provider about the installation of the alarm system, especially if it was not present when you first purchased the policy.
- Other Security Measures: Some insurers may also consider additional security measures, such as deadbolts, CCTV, and outdoor lighting, which could influence premium rates.
- Policy Specifics: Always check your specific policy documents for any tailored requirements regarding intruder alarms, as these can vary widely by insurer.
It’s a good idea to consult with your insurance agent to ensure compliance with all necessary requirements.
Sorry, the comment form is closed at this time.