Insurance companies in the UK consider a number of factors when determining your premium. These variables include your property’s location, age and condition, as well as the history of claims you have made. Nonetheless, the degree of fire and security protection you have installed is among the most crucial elements.

Fire Protection Systems and alarm installation

Your home and commercial insurance premiums may be significantly impacted by fire systems. This is due to the fact that they have the potential to both prevent fires from ever starting and to lessen the extent of damage that they cause if they do.

Another factor influencing your premium is the kind of fire system you have installed. For instance, the biggest discounts are usually given to properties with sprinkler systems. A monitored system will typically have a lower premium than an unmonitored one. Smoke detectors and fire alarms are also necessary.

Security Systems

Your insurance premiums may be lowered with the use of security systems. This is due to the fact that they can discourage intruders and make it more challenging for them to enter your property.

It will also depend on the kind of security system you have installed on your premises. For instance, the largest discounts are usually given to homes or properties that have CCTV camera service installed. Deadbolts and security alarms are also necessary, and similarly to fire systems, a monitored system will typically have a lower premium than an unmonitored one.

At Class A, we are local security system installers of commercial and residential intruder alarm systems, supporting you in keeping your premises or home safe.  

How much can you save?

Depending on the type of system you install and your insurance provider, installing fire and security systems can save you a different amount on your premiums. Savings of up to 20% are typical, though.

Fire and security systems can provide you peace of mind in addition to lowering your insurance costs. It may be more comfortable for you to sleep at night knowing that your house is secured against fire and theft.

Things to consider

If you are considering installing fire and security systems to save money on your insurance premiums, there are a few things to keep in mind.

• Ask your insurance provider about any specific discounts they offer for fire and security systems.
• Consider installing a combination fire and security system.
• Make sure your systems are visible from the outside of your home. This can deter burglars.
• Let your neighbours know that you have fire and security systems installed. This can create a sense of community safety.

By following these tips, you can ensure that you are getting the most out of your fire and security systems and that you are saving money on your insurance premiums.

Systems we install

• Intruder alarms: These visual and auditory deterrents warn residents and may even dissuade intruders when an unauthorised entry occurs. Both wired and wireless versions are available and some even allow for the integration of smartphone apps for remote monitoring.
• Closed-circuit television, or CCTV, is a type of camera system that records video for use as identification or evidence and offers real-time visual surveillance. It can also be monitored remotely. High-definition video, night vision and motion detection are all features of modern CCTV systems.
• Door and Gate Entry Systems: These systems manage visitor flow and improve security by controlling access to buildings or restricted areas. Keypads, card readers, intercoms and even biometric scanners with fingerprint or face recognition are available as options.
• Fire Alarms: When these vital systems detect heat or smoke, they sound an alarm to alert residents and emergency personnel to the possibility of a fire. There are several varieties, ranging from straightforward smoke detectors to networked systems featuring sprinklers and emergency lighting.
• Access Control: This system limits a building’s users’ ability to access particular areas or resources. It can be integrated with door entry systems, granting or refusing access based on personal authorisation using key cards or fobs.