Using your alarm system
It’s worth noting that any claims you make could also be rejected, or only paid in part, if you become the victim of a burglary and you forgot to set the alarm on that day. So be especially careful, as sod’s law dictates that the day you forget to set the alarm, or to lock up properly, will be that day that a burglar decides to pay you a visit.
Your alarm may have a ‘perimeter guard’ option for use at night. Setting the alarm fully should mean that any movement or vibration within the home causes it to go off, and this should be the setting you use when the home is unoccupied. The perimeter guard option however will only detect movements on external doors and windows, so you don’t need to worry about triggering the alarm if you get up during the night.
However, make sure you use the perimeter guard setting every night, preferably as soon as you know you won’t be going out again that day. If you tell your insurer you will be using this option, and then you suffer a night-time burglary when you didn’t set the alarm, then again your policy could be invalidated, or your claim could be refused in part or in full.
Some people buy dummy alarm boxes and put them on the wall of their home, designed to make potential burglars think they have an alarm. Doing this will not reduce your insurance premium
To compare home insurance use our home insurance comparison service and see how much you could save with an approved burglar alarm.