Home insurance - Is my home secure?

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Based on resolver’s experience to date, insurers often use information on how secure a property is when they are deciding whether to offer cover and what premium to charge. Improving the security on your home can help to ensure you get the best possible deal. In certain areas of the country, the risk of theft and vandalism is unfortunately higher and customers in these areas are likely to be asked by their insurer to meet minimum-security standards in order to lower the risk of theft and vandalism. Be aware that if your insurer requires you to introduce minimum-security standards as a condition of them insuring you, they may not provide any cover for theft or attempted theft at your home unless the appropriate security devices are properly fitted and used. Check the small print of your policy very carefully. There are simple steps everyone can take in order to secure their homes:
  • Fit sturdy deadlocks (British Standard BS3621) to all doors.
  • Always remove keys from inside locks, and keep them out of sight.
  • Doors and frames should be strong and in good condition - wooden doors should be at least 44mm thick.
  • Mark your property - having it marked helps police to verify it's been stolen.
  • Have an alarm fitted - recommended alarms include those that are NACOSS (National Approval Council for Security Systems) or SSAIB (Security Systems and Alarm Inspection Board) approved.
  • Install outside security lighting.
  • Keep your tools and ladders securely locked up – a burglar could use them to get into your house.
If you are concerned that your home is not secured enough and that this may invalidate your insurance you should contact your insurer setting out your concerns and querying whether this is adequate, or if not what steps should be taken to secure your property. Your insurer should respond to your concerns and either offer you an assurance that you will be covered or send a checklist of the further steps you will need to take.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

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