Home insurance 2025 post storm Eowyn

Des Pondent said:
Some insurers are vague saying only that they may not pay out a claim if the alarm was not in use. I doubt if they could refuse a large claim in its entirety but usually I would forgo the discount and say no alarm to be on the safe side.
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Insurance companies aren't noted for paying where they don't have to. Zurich do seem to be more reasonable with the €500 deduction though, others just state it must be set and maintained.
 
Des Pondent said:
happy to take the alarm discount and I also got a discount for increased excess.
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Personally speaking I've never found the alarm discount to be worth the expense of installing and maintaining.
The discount for a higher excess is a good way of knocking off a few euros and a small deterrent for claims that should be handled by the policy holder.
 
Cervelo said:
Personally speaking I've never found the alarm discount to be worth the expense of installing and maintaining.
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Not to mention that many (unmonitored) house alarms are going off for ages before anybody bothers to investigate and that's usually just annoyed neighbours. I suppose they may be a deterrent but I sometimes wonder about that too. Haven't had one in 30+ years and the one attempted break-in was thwarted by physical security measures.
 
Cervelo said:
Personally speaking I've never found the alarm discount to be worth the expense of installing and maintaining.
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I didn't get an alarm installed so I could get a home insurance discount.
I have an alarm to deter break ins and for the security of my family.
I am happy paying for the installation and maintenance of my alarm.
 
@Des Pondent
I never said you did, I was just referring to my own experience and if I was to upgrade the alarm system that was in my house when I bought it back in 1998

For pig iron, how much of a discount did you get for having an alarm
And how much do you pay to have it serviced every year??
 
Cervelo said:
For pig iron, how much of a discount did you get for having an alarm
And how much do you pay to have it serviced every year??
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It’s irrelevant. Personally the main reason I have the alarm is to deter break ins and for security. I know the small savings I might make on insurance will go nowhere remotely near the cost of installing and maintaining an alarm.
 
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