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House insurance question...alarm?

  • 12-10-2018 11:00pm
    #1
    mauraf
    Registered Users Posts: 191 ✭✭


    Hi
    My house alarm is currently out of action....hope to get it fixed tomorrow, but do I need to advise my insurance company if not?
    Thanks
    Maura


Comments

  • #2
    wench
    Registered Users, Registered Users 2 Posts: 1,649 ✭✭✭wench


    You probably should. If you took a discount for having it, then they can refuse to payout if it isn't on.


  • #3
    Austin1
    Registered Users, Registered Users 2 Posts: 188 ✭✭Austin1


    wench wrote: »
    You probably should. If you took a discount for having it, then they can refuse to payout if it isn't on.

    Not necessarily. Most insurers have a clause that your excess increases if it was not activated after you left the house and a theft claim occcured, but they WILL pay out on the claim.


  • #4
    mauraf
    Registered Users Posts: 191 ✭✭mauraf


    Thanks both...
    Not sure what my policy states, will have have To check tomorrow...
    If it's unclear...I wonder would they allow a once off "supplement" to cover me until I got it fixed?


  • #5
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 2,996 ✭✭✭Eggs For Dinner


    mauraf wrote: »
    Thanks both...
    Not sure what my policy states, will have have To check tomorrow...
    If it's unclear...I wonder would they allow a once off "supplement" to cover me until I got it fixed?

    The condition in the policy will apply while the alarm is out of action. They won't amend it. Policy documents are usually online. Tell us your insurer and we can have a look


  • #6
    mauraf
    Registered Users Posts: 191 ✭✭mauraf


    Home insurance policy is with Aviva


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  • #7
    Wildly Boaring
    Registered Users, Registered Users 2 Posts: 3,650 ✭✭✭Wildly Boaring


    mauraf wrote: »
    Thanks both...
    Not sure what my policy states, will have have To check tomorrow...
    If it's unclear...I wonder would they allow a once off "supplement" to cover me until I got it fixed?

    If you're checking tomorrow and it'll be fixed tomorrow. Why would you bother ringing them


  • #8
    mauraf
    Registered Users Posts: 191 ✭✭mauraf


    Hoping it will be fixed today...but they have to assess the issue....may need a whole new alarm fitted though...


  • #9
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 2,996 ✭✭✭Eggs For Dinner


    mauraf wrote: »
    Home insurance policy is with Aviva

    A quick look online at their policy and the excess is doubled when the alarm is not operational


  • #10
    ouxbbkqtswdfaw
    Closed Accounts Posts: 1,253 ✭✭✭ouxbbkqtswdfaw


    I think you're better off not including the alarm when you're getting house insurance.


  • #11
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 2,996 ✭✭✭Eggs For Dinner


    592zob14ajqeu0 wrote: »
    I think you're better off not including the alarm when you're getting house insurance.

    Apart from getting a discount, you could be excluding a good few competitive insurers who will only take you if you have an alarm.


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  • #12
    gimli2112
    Registered Users, Registered Users 2 Posts: 13,409 ✭✭✭✭gimli2112


    A lot of insurance policies include an alarm warranty if you get a discount. In theory this allows Insurers to avoid the policy if the alarm isn't on and you suffer a loss, irrespective of the fact the alarm had nothing to do with the claim.
    I don't know if they could successfully rely on this but why give yourself the headache. A 5-10% discount on my household premium isn't worth it imo.


  • #13
    Wildly Boaring
    Registered Users, Registered Users 2 Posts: 3,650 ✭✭✭Wildly Boaring


    gimli2112 wrote: »
    A lot of insurance policies include an alarm warranty if you get a discount. In theory this allows Insurers to avoid the policy if the alarm isn't on and you suffer a loss, irrespective of the fact the alarm had nothing to do with the claim.
    I don't know if they could successfully rely on this but why give yourself the headache. A 5-10% discount on my household premium isn't worth it imo.

    Agreed never say that I have one


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