LV Home insurance - check your policy documents

What about all the homes that have no alarm do they refuse to insure them against theft. Sounds mad to me it's not the same as leaving your doors unlocked.
I'm not with LV , I do have an alarm installed by a recognised alarm installation company but it's not monitored or maintained because every time they came to maintain it it would develop a fault within a fortnight, so I cancelled the maintenance.

We have never declared to our 8nsurersbthat we have an alarm in case we are ever burgled when we have not set it because the cat refuses to be caught to be located in the less sensitive, pet zone area. Are you getting a discount for having an alarm? If not, why should it make a difference?

FlexibleFriend - I asked them what they do for customers with no house alarm, and apparently they are given 28 days to have an alarm fitted, after which they won't be insured for burglary. I just don't understand why they can't quote for no alarm, or a non-monitored alarm. Surely the main reason we have house insurance is for fire or burglary, it seems like madness to me, and they certainly haven't been upfront about their changes.

Is it that you get some sort of "preferential rate" if you have a home security system? It would seem quite wrong to me that people who don't have a security system cannot obtain home insurance.

Externally monitored systems can, I believe, be quite expensive and have ongoing costs. If insurance companies keep setting more and more stringent requirements, people will start to wonder why they are paying so much if the insurers will only cover events that are very unlikely to occur because of the measures householders have been forced to pay extra for.

Like Nandalot we have told our insurers that W e have no alarm.
They have accepted us so far.

I wouldn't use them tbh, most insurers that give a discount for an alarm insist it is maintained and tbh mine works better when it's not maintained and the discount is pretty rubbish anyway so why declare it. I certainly wouldn't have one fitted to please an insurer, the cost have having an alarm installed would cost more than a years insurance, just go elsewhere.

All our insurer insists on is window locks and security locks on the exterior doors. We do have an alarm, the installer is an approved installer and we have a maintenance contract, but we cancelled the central monitoring. Both time we had problems, the neighbours dealt with them long before the monitoring service got its act in order.

However I would definitely say, always read the provisions of a policy. Some years ago our insurer was taken over and at the end of the year the new owner of the old company assured us that our policy remained unchanged, but our premium fell a lot and this made me suspicious, so I compared the two policies and my suspicions were confirmed, despite what the new company said, the policy had been changed and all sorts of changes, had been made, each reducing the policy coverage.

Another minefield. I am moving soon to a new build and do not want an alarm. Had an alarm once and it was a pain in the derriere. Even then the small print said that the house was not covered for burglary if the alarm was not switched on at night

Thanks for the heads up, LV was on my list of potential insurers, not now

My LV policy is due for renewal next month - I will be checking the small print very carefully - thanks.

We were refused home insurance once because we had wooden doors! They would only insure UvPC. We are with the AA and very satisfied.

Yes very worrying I can understand your annoyance.
It just goes to show that we need to read the small print.
Insurers will do anything to get out of paying out for a claim.

We had a big claim some years ago against Saga for a flood £43,000. They did pay out but I had a project manager liaising with the insurers and workman so it was straightforward except for the 9 months it took to get the property back to what it was.

Message withdrawn at poster's request.

Hello, thank you for highlighted this. I think this is common behavior for most of the insurance companies