According to the Office for National Statistics, there were:
- 672,000 incidents of domestic burglary between October 2018 and September 2019
- 629,000 incidents of ‘other household theft’ for example, stealing a wheelie bin, car, or caravan
- Over 1 million incidents of criminal damage
Nowadays, there are lots of different types of security systems available, all designed to help keep your home secure and to give you extra peace of mind. These systems range from a basic burglar alarm right through to systems that connect to a central call centre that alerts the local Police if suspicious activity is detected.
Visible security cameras can act as a good deterrent, as few burglars won’t want to run the risk of being captured on camera and recognised, and it is now much cheaper and easier to install them than you might think. For example, Swann are currently advertising a 2 pack of Thermal Sensor Outdoor HD Security Cameras for £60 (price correct March 2020). These require an App to be downloaded to a Smartphone.
Technological advances have revolutionised everything, and home security systems are certainly no exception. The latest security systems can be viewed and controlled using your Smartphone. When home security systems were first introduced, cameras were huge and unsightly. Modern security systems are small and discreet, often not obvious at first glance. Technology has now progressed to include smart home hubs and sensors which give you the ability to control the lights in your house when you’re away, and can also alert you if unexpected activity in your home is detected.
Some insurance providers will offer you a reduction in your premium if they know you have a working burglar alarm in place. Some may also consider the additional benefit that the latest connected security devices bring. However, at this moment in time, this is less common. This is something that we expect to see changing in the future as home security systems become more ‘the norm’.
Your premium is ultimately based on other factors such as where you live and the type of home you live in. In certain postcode areas, some insurers will only cover you if you have a working burglar alarm. If you need a high level of cover, for example, you have lots of expensive electronics or high value pieces of jewellery, your insurance provider will want to see evidence that your home is adequately protected.
Tony Buckingham, Managing Director of Buckingham Insurance says “It is important to tell your insurer about any home security you may have and how you use it. However, if you’re planning on spending a fortune on the latest high-tech security, it won’t necessarily reduce the cost of your home insurance in order to break even. Deterring potential thieves could be the biggest saving of all.”
To discuss your insurance requirements and to make sure you are adequately covered, please contact us by telephoning one of our friendly staff on 01246 575 625 (Clowne) or 01773 748 627 (Ripley). They will be more than happy to answer any questions you may have.
**Due to Social Distancing Guidelines and to protect our staff and their families, our offices are currently closed to walk-in customers. We hope to be able to welcome you and to assist you in person before too long.**