house insurance cheaper if no alarm and unocc in day?
Discussion
Anyone have a theory or the correct answer why when I have got quotes through a comparison site it is actually cheaper if my home is NOT fitted with a security alarm and is UNoccupied during the day??
Baffles me - but ultimately will save me the cost of the maintenance contract on the alarm as well - BONUS!
In other news my bike insurance was cheaper with the bike being unlocked and parked on the road as opposed to it being locked and in a garage??
I may of course be living in a parallel universe I suppose..
Baffles me - but ultimately will save me the cost of the maintenance contract on the alarm as well - BONUS!
In other news my bike insurance was cheaper with the bike being unlocked and parked on the road as opposed to it being locked and in a garage??
I may of course be living in a parallel universe I suppose..
Alarm is by a monitoring centre who call the police who are duty bound to respond to a confirmed alarm signal from an alarm monitoring centre.
And the thing about poisoning the dog is that they would have to break in to poison the dog - the letterbox is clamped shut.
So the alarm would be going off, the police are in their way and the dog would already be trying to eat them. Worst case the police turn up and the dogs dead but nothing's been stolen as they could only throw poison meat through the break in point and couldn't get any further as the dogs trying to eat them.
Poisons aren't immediately effective remember, they need time to be absorbed and take effect, and most burglars would use rat poison as it's the easiest to source and you need a lot to kill / have an effect on a dog.
The dog is a guard dog and can be replaced so the concept of the dog dying protecting the home is one that it's prepared to do.
Anyway this thread was about why the premium goes down for not having an alarm etc. Not how to protect your home effectively but in typical PH fashion here we are LOL
And the thing about poisoning the dog is that they would have to break in to poison the dog - the letterbox is clamped shut.
So the alarm would be going off, the police are in their way and the dog would already be trying to eat them. Worst case the police turn up and the dogs dead but nothing's been stolen as they could only throw poison meat through the break in point and couldn't get any further as the dogs trying to eat them.
Poisons aren't immediately effective remember, they need time to be absorbed and take effect, and most burglars would use rat poison as it's the easiest to source and you need a lot to kill / have an effect on a dog.
The dog is a guard dog and can be replaced so the concept of the dog dying protecting the home is one that it's prepared to do.
Anyway this thread was about why the premium goes down for not having an alarm etc. Not how to protect your home effectively but in typical PH fashion here we are LOL
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