Yale Ain't So Bad

[goncall]

I'm not commenting on the Yale system, it would apply to any system.

Encouraging a customer to give false information or conceal relevant information, e.g. 'It doesn't matter if you get burgled when you've forgotten to set your alarm because you haven't told them you've got an alarm" is encouraging them to probably break the terms of their insurance and possibly be guilty of fraud.

I'm not trying to give you a hard time, though if that's what you're getting I'm not surprised, in this instance I am trying to help you avoid trouble for yourself and your customer - you can take the advice or leave it but if you leave it you leave yourself wide open to trouble.

i think i know what fastalarms means,i work for a national ive got a g3 144 with pirs,vipers internal and external sabs,when i got my house insurance,had the usual questions,got an a alarm.yes,is it maintained and signalling(signals via text),yes,i explain what i do who i work for,get the paperwork thru,it says maintained and signals but paperwork is too open for my likeing,again ring up tell them what i do who i work for and the situation and would like paperwork to state this,again paperwork arrives as before,ring them up again tell them i dont have an alarm....

Edited February 5, 2009 by goncall

[Chorlton]

You "have" an alarm = FACT

You "say" you do not to insurance = LIE

Simple as.

back to the topic of Yale

[kka]

is thiss an early april fool?

[goncall]

You "have" an alarm = FACT

You "say" you do not to insurance = LIE

Simple as.

back to the topic of Yale

no its not,i dont have an alarm to protect my house and its contents thats what the Hfx was told and they accepted that fact and insured my on that, i could use the alarm to protect my dog as far as they are concerned and id stand up in any court in the land and say that and the judge will be on my side..belive it..

[Chorlton]

Forget laws, insurance, claims etc I'm not talking about anything legal or technical.

I'm saying:

A ) You have an alarm in your house........ it is physically there on the wall and can be seen with the naked eye.

B ) You say it is not there!?!?!

the above is like a 3yr old with chocolate all over his face saying.... what cake...no mum never touched it....honest.

Like I say wishing to make insurance claims etc is irrelevant to the material fact - you have it...... but - you claim not to have it.

[goncall]

Forget laws, insurance, claims etc I'm not talking about anything legal or technical.

I'm saying:

A ) You have an alarm in your house........ it is physically there on the wall and can be seen with the naked eye.

B ) You say it is not there!?!?!

the above is like a 3yr old with chocolate all over his face saying.... what cake...no mum never touched it....honest.

Like I say wishing to make insurance claims etc is irrelevant to the material fact - you have it...... but - you claim not to have it.

im going to put a sticker on the panel saying dog alarm,its not there to stop burglars its there to stop my dog ecscaping from the house..i still dont have a burglar alarm and im insured,i also have a fire extinguisher and a fire blanket(from b&q,still wouldnt use a yale alarm tho) and fire detectors linked to my dog alarm incase the dog starts a fire,i never told them about that,as they would be funny if it doesnt go off in a fire or i never used the extinguisher or trained any one on it or had it serviced etc etc etc..so i get done over(touching wood here mind),did the alarm activate,no i say havnt got one check your paperwork,oh yes george so you havnt,whats that on the wall then..its me dog alarm..who should we make the cheque payable too.....

[Chorlton]

is it a yale dog alarm?

better having a yale dog alarm than no dog alarm at all.

better having a snaggle toothed, one eyed, midget, bald, albino wife with BO & thrush than none at all.........no wait.....uuurrghh.

would be a bit like me saying use firebreak for your fire alarm servicing because... um....well....were better than no servicing.

not really the sort of USP that's washes on dragons den nor in the professional world of security system installation & servicing IMO

but what do I know...christ I didn't even know dog alarms were so hightech until 10mins ago.

C.

[goncall]

better having a snaggle toothed, one eyed, midget, bald, albino wife with BO & thrush than none at all.....

youve met me wife then...(quick look shes not behind me when posting)

[fastalarms]

hmmm the answer is not as clear cut as it seems.

Just been looking at some online insurance quote sites and the questionaires differ wildly.

Some don't even ask if you have an alarm before offering your quote.

Some ask wether you have a NACOSS service contract

and some wether you simply have an alarm or not.

[Guest RJBsec]

hmmm the answer is not as clear cut as it seems.

Just been looking at some online insurance quote sites and the questionaires differ wildly.

Some don't even ask if you have an alarm before offering your quote.

Some ask wether you have a NACOSS service contract

and some wether you simply have an alarm or not.

It will be very clear if you are burgled when your alarm wasn't set/working or installed properly and your insurer finds out, all policies I have seen require that you inform the insurer of anything or any changes that may affect your insured risk.

It's not a question of whether an alarm is a condition of your insurance, it's a case of whether or not you are deemed to have taken reasonable care with you property.

Rememnber a few years ago Cilla Black was burgled and a payout for her jewellery claim was refused because she didn't have window locks fitted - similar situation.

If an insurer thinks that you did not take reasonable care then they may refuse to pay out all or some of your claim, this could be leaving a window open, not locking your car, not setting your alarm etc. etc.

The advice to not inform your insurer so that it doesn't matter if it's set or unset when you are burgled is wrong and is a failure in the duty of care towards a customer.

This has always been the case but with the current financial situation it is a foolish person indeed who takes risks with their insurance as insurers are going to be looking for more reasons to avoid payout than ever before.