Does a monitored alarm system reduces your home insurance premium by 40
to 50 % compared to only 5 % to a normal alarm system?
Any Insurance company in Perth doing that sort of discount for
** Hey * FUCKHEAD * where is the " OT " in the heading - eh ??
OT = off topic - if you did not know. ** No.
All such discounts are PHONY and a SCAM.
The insurers get cash kickbacks from the SHONKY alarm businesses. ** Bet there are.
See your local "Go for Broke " scumbag broker - anytime.
Do you mean home insurance as stated or home content insurance?
For the former increase your excess and you can get 50% discount on premium.
After a few years you will be ahead if you needed to make a claim. On the
latter install deterrent size grills to all openings and unless you have a
lot of valuable stuff do what I do and don't worry about contents insurance.
If you are going to all the work of installing an alarm System, regardless
of insurance discounts, I would use a Monitored System,
Get it monitored by a professional firm, up here in Queensland we use
Instant Security, its about $80 a month for 24/7 monitoring, I believe it is
cheaper for a domestic premises, and as it is all done via the phone, even
though your in WA you could use them any way.
I've spoken to my insurance broker about it a few times and he said that
alarms are more for the peace of mind of the homeowner. In his dealings with
insurance companies where they're negotiating the cheapest premium, the
presence of an alarm, monitored or otherwise, has no effect on the price.
Of course, things may be different for your area or the insurers you're
Had one alarm install mob ring me the other day with an offer for $1 a
day. After I had explained to the salesperson why even a monitored
alarm system would not prevent home break-ins or lead to the capture
of offenders, she almost changed sides and agreed with me. After all,
any half decent burglar will have cased a place before breaking in and
will be in and out and away before anyone at the monitoring point has
even got into their car or called the police.
Far better to put your money into other means of protection.
This is what I don't get either. There seems to be very little use for
a monitored system apart from more immediate notification of a breakin,
and some pretty stickers to put on your front window.
Any savings in premium would probably be offset in the -ve direction by
the extra costs of monitoring.
** The idea behind monitoring an alarm is simple - in case the premises are
left in an unsafe condition after a break in.
For example, a shop's front window may be smashed and external doors left
wide open requiring immediate attention until full repairs can be made. The
monitoring folk will attend the premises, organise any temporary fixes to
make the place safe and liase with the owners and police if needed.
Monitor it yourself...this is what I do,all you need is a mobile phone.
After all the police are so usless,in my area that you need to know
well before the police ever do that the place has been breached so I
have a chance of catching the dickheads,I added CCTV camera's ontop of
a monitored alarm,it amazing how well behaved people are when on
As I have said before....there is still the odd,hogan bogan that thinks
my camera's are flashy outside lights,which don't work cause I can't
afford to get the electrition to connect them up,they soon learn
however when I catch up with them somewhere and imitate their
Gov Co's new terrorist laws may apply here...lol
Tire spikes are tried and proven.....If they are really up to no good
they rip off the tire spikes and never say a word,been there.lol
Lets say it was a good hunch that people were intruding 5mins after i
drove out the gate.
I say no more other than ,very expensive manufacture fitted tires and a
story to an insurence company,along with intruder good will to remove
danger from harming people.
Never heard a word about it...lol,I do have intel.
Believe me, unless you're sitting out the front of the house at the time you
have NO chance of catching them no matter who the call goes to.
Having worked in the security industry for years performing alarm responses
I have seen us arrive at a premises LESS that 1 minute after having been
advised of the alarm, and still the offender had left before we arrived.
Why? Because of the entry delay, then the time it takes the alarm to
report. A clever burglar knows what they want and is in and out in a matter
of seconds - we watched this incident on CCTV tape after to determine the
time frame and the offender had actually gotten in, got what he wanted, and
exited the building before the alarm had even had a chance to report......
The one thing a monitored system does is tell someone that something is
wrong, and that can be handy. I have responded to private residences where
people have pulled the fuses to cut power which then triggered the alarm, so
it prevented a break in because once it went off they knew that security
would be on the way. If you have a decent security company that should mean
a matter of minutes, but the acceptable standard is up to 30 minutes for a
And don't get sucked in by the companies that say they send Police - that
usually takes longer as they have far better things to be doing than
checking alarms, and in NSW at least if the system false alarms too many
times you get fined if the Police have to respond. You be surprised how
many residential systems specify send Police not Patrol because they think
it's better to send the cops - if only they knew!!! And avoid the ones like
NRMA, ADT, FAI, etc - they contract out their responses and I have seen
their contractors take up to 1 hour to get around to responding because they
are so busy elsewhere - pick an actual reputible security company that is
well known and used commercially as well as residentially...
In my case I have access control so in order to set the entry delay the
door must disable the second backup alarm system via activating the
I have this setup and in Bogan country,where organised crime is just
way above intelligence level's of locals,well organised as in of being
able to out smart a basic reed switch or motion detector.
They drive farm utes and happen to carry bolt cutters so my threat with
even just a local alarm is very small.
I like to know if it goes off as I am the only one that can turn it
As I said it is Bogan country, not city corp.
I think my system is efficent enough for my area,however these systems
cost 10's of thousands for most,however I installed it myself to cut
that cost to max $1500.
Not supposed to however when it comes to the point where Civil law
fails and fedral law recons you are full of crap,you have to bend and
break silly rules and reg's to just survive.
Licenced Personel only?
Access denied I am sorry to say Gov Co.
Since when do you need to be licensed to install your own security system??
Security licence is only needed if you carry out security work for payment
or install on a commercial scale, and if you are just plugging the dialer
into a phone socket you don't need to be a registered cabler...