Securing your business or residence prevents financial damage and therefore your insurance premium can be reduced. For example, insurers offer a favorable premium if you have properly secured your insurance. Part of your deductible will also lapse if you secure yourself correctly.
Premium discount with security
Companies are in some cases obliged to use an alarm system or other security device. For homes, a discount on the policy with a burglar alarm or fire alarm applies. However, the alarm must meet a number of important conditions. In addition, home insurers are looking at the presence of the Poliekeurmerk Veilig Wonen, a quality mark that guarantees certain security measures.
These premium discounts come in at 10% to 20% for home and company insurance. Various insurers participate in this.
Connect the alarm system to a monitoring center
An alarm system warns you of a burglary. As a homeowner, you must then notify the police yourself. When an alarm system is connected to a monitoring center with telephone reporting, this is done entirely automatically. This is a condition for company insurance and a supplement to alarm systems in homes.
VEB acceptance certificate or security certificate
A professional alarm system is provided with a VEB delivery certificate or certificate. There is a clear difference between them. An installation with a VEB security certificate meets the VRKI requirements. This means that the security class is the same as the risk class. With the VEB delivery certificate, the security measures implemented deviate from the VRKI. This is permitted by insurers in some cases.
Property insurers attach importance to the Safe Living Police Mark. This is what you get as a homeowner when various security means are used. Think of safe locks, a fire alarm and the presence of an alarm center that is connected to a control center. There must also be lighting at the exterior doors. And for example, there must be a view from the hall of someone standing at the door. In many cases, the insurer gives a discount on the premium when showing the Poliekeurmerk Veilig Wonen.
Different types of alarm systems
The most used alarm system for a home or business premises is the wireless alarm system or a stand-alone alarm . The wireless system is easy to install yourself and works via WiFi or a SIM card, possibly supplemented with a fixed telephone line. The stand-alone alarm is equipped with motion detection and a supplement to your fixed alarm system. Use a stand-alone alarm at the garage, the garden shed or the driveway.
In addition, you can choose a driveway indicator, shock lamp or detectors (on solar panels) at the driveway.
To optimally protect your own home, you choose security cameras that suit your situation. These are available as a set and consist of a recorder with one to sixteen cameras. The installation of surveillance cameras does not directly influence the premium of an insurance policy, yet it is advisable to opt for surveillance cameras. Recorded images can serve as evidence and, moreover, the presence of a surveillance camera deters burglars and vandals.
Keep an eye on the developments around dashboard cameras. In the future, dashcams can provide a premium discount on your car insurance.