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Alarms and Insurance in Ireland
The
vast majority of Irish homes still have alarms in them from years gone by and
the new standard EN50131 only came into force in 2006.
Most alarm companies do not
specifically require these older alarms to be up to the new standards for the
purposes of home insurance discounts however you would have to check with your insurance company on exactly what they
specifically require in order for you to receive a discount on your
insurance.
For example, if they only require 'a
working burglar alarm' then you are fine if you
have an older system but just remember to set it!. However if they require 'an
alarm certified to standard EN50131' then you will have to have either a new
alarm installed or the old one upgraded plus you will have to have it
re-certified EVERY YEAR which requires an annual service and maintenance
contract.
In most cases insurance companies only require 'a working alarm' so you should
be ok but check with your insurance company. In the case they require EN50131
then I wouldn't bother with the discount at all as it costs more for the new
alarm or upgrade plus the annual service and maintenance then you save on the discount and
there is also the possibility that you will forget to set the alarm and in that
case if your home is burglarized the insurance company will have grounds not to pay
your claim. |
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