Business and Domestic Alarms: What Insurance Companies Require
Insurance Approved Burglar Alarms
Insurance companies frequently reduce premiums to homeowners when approved alarm suppliers fit and maintain your alarm. But how do you know which alarm installer to go for? Business owners usually have to jump through several hoops to be covered. Alarms companies in Bristol provide the answer.
National Security Inspectorate (NSI) and SSAIB Approval
In Britain there are two organisations that inspect security alarm companies: the National Security Inspectorate and the SSAIB. Insurance companies require that commercial and home alarms are fitted by one of the alarm installation companies approved with these bodies. Ensure that your selected security systems firm is registered with one of these organisations to be assured that you are insured.
Security Alarms for Residential Use
Residential insurance firms normally insist that any alarm is serviced under a service agreement by an NSI or SSAIB approved company. A few insurers then offer a reduction in insurance premiums, after all home owners are more likely to contact their alarm supplier in the event of a fault or problem if they are covered by an alarm maintenance agreement and the insurance company recognises this probability in its charges.
Business Intruder Alarms
Business owners often find that it is a condition of their insurance cover that they install and service a security system. Occasionally insurers insist on a grade 2 or 3 system in accordance with the EN50131 standards and dictate whether it should include 24 hour monitoring and/or a police response.
Company insurers might specify a Redcare GSM signalling system or Dualcom GPRS system as they involve using two ways of sending a signal about a activated alarm. If a telephone line is severed or is faulty, signals are sent via the GPRS or GSM mobile network, which makes these systems are great when it comes to stopping a burglar in his or her tracks.
ACPO Regulations
The Association of Chief Police Officers also specify that alarms are fitted by NSI and SSAIB approved companies. Your alarm supplier should also be listed with them, specially if you require a police response to be insured.
Burglar alarm systems, installed to EN50131 and ACPO (Association of Chief Police Officers) standards, by an alarm company inspected by the NSI or SSAIB are the only ones that get an automatic police response. Bristol alarms provide an example of this type of supplier.
Lower Priced Insurance Premiums
In summer 2007 Norwich Union (now Aviva) Risk Services encouraged UK businesses to put in alarms fitted by NSI or SSAIB registered companies. According to their research, a quarter of companies will have the wrong type of alarm. Furthermore they recommend installing an intruder alarm at home too and keeping it maintained professionally annually. Aviva is one of the major insurance firms that do lower premiums when an appropriate alarm system is installed.
