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Home insurance and alarm system

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  • 17-10-2013 7:38am
    #1
    cargen
    Registered Users Posts: 271 ✭✭


    Hi,

    To get an home insurance do you know if the alarm system a mandatory requirement?

    Thanks


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    #2
    Ms2011
    Registered Users Posts: 3,129 ✭✭✭Ms2011


    cargen wrote: »
    Hi,

    To get an home insurance do you know if the alarm system a mandatory requirement?

    Thanks

    No it's not mandatory but you do get a discount for having one, more so for a monitored one as opposed to just a standard one.


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    #3
    cargen
    Registered Users Posts: 271 ✭✭cargen


    Ms2011 wrote: »
    No it's not mandatory but you do get a discount for having one, more so for a monitored one as opposed to just a standard one.


    Thanks,

    Would you have a rough idea how much the discount can be?


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    #4
    wench
    Registered Users Posts: 1,645 ✭✭✭wench


    Ms2011 wrote: »
    No it's not mandatory but you do get a discount for having one, more so for a monitored one as opposed to just a standard one.
    If you take the discount, you must make sure to always set it going out.
    Otherwise the insurance co may not pay out fully for any burglary claim.


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    #5
    Ms2011
    Registered Users Posts: 3,129 ✭✭✭Ms2011


    cargen wrote: »
    Thanks,

    Would you have a rough idea how much the discount can be?

    I did mine yesterday & it was €46 for a standard alarm


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    #6
    Ms2011
    Registered Users Posts: 3,129 ✭✭✭Ms2011


    wench wrote: »
    If you take the discount, you must make sure to always set it going out.
    Otherwise the insurance co may not pay out fully for any burglary claim.

    Yes this is true & is laid out in the terms & conditions


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    #7
    Ray Palmer
    Registered Users Posts: 8,394 ✭✭✭Ray Palmer


    It isn't worth the discount. Some insurance companies only give €5 discount for a non-monitored alarm. If your alarm stops working or you forget to turn it on your insurance will not cover you. The risk isn't worth it IMHO. Alarms are pretty useless too along with a general annoyance.


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