Cras wrote:
asfish wrote:
You should check the small print in you home insurance as well
I change mine last year as the small printed stated they wouldn't payout if I was burgled unless I had an alarm.
The Alarm also need to be fitted by a company and comply with an industry standard as well, so in my case a screw fix etc alarm would have been no better than no alarm when it came to a claim.
I've changed it now and doubled checked the fact I have no alarm didn't affect a claim in the event of a break in.
How was that in the small print? There's never been an insurance form ever that doesn't ask if you have an alarm, and if you answered no and then they sold you a policy that requires you to have an alarm, well that would just be bizarre.
That's a good question but it was, maybe they thought I had one, but I would have never said so as I'm always very careful to tell insurance companies the right info as they look for any excuse not to pay out. Although appear to have failed there in this case!
The policy in this case was a combined building\contents and had some specific high value items and other coverage extras
I was looking in the policy for something else when I found it. They also told me that was the case when I cancelled it at renewal time.