Kimmagegirl
Registered User
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Are you saying that an Insurance definitely won't pay up if a house is burgled and the alarm was not set? Or, are you just speculating?
Are you saying that an Insurance definitely won't pay up if a house is burgled and the alarm was not set? Or, are you just speculating?
Its a condition of your policy that if you avail of an alarm discount then you must ensure the alarm is serviced and operational. And that is armed each time you leave the house.
A similar condition may also apply if you have all risks cover on expensive jewellery. Some home insurance policies only covers expensive items like engagement rings (over €10,000) if the item is stored in a safe overnight. If you neglect to secure it at and it is stolen during the night then your insurers may decline any claim.
Generally you will find that expensive items are covered outside of a safe if they are worn.
That would also apply if you are asleep wearing high value items.
Can I just inform my insurers that I no longer want to claim the discount or will I have to change insurers and just not mention the alarm?
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