CoverMapWhy a discount isn't automatic
Unlike, say, a no-claims discount, alarm-related savings are set individually by each UK insurer, and not every insurer offers one at all. Where a discount does exist, it usually depends on the specific type of alarm system installed — a self-fitted smart alarm and a professionally monitored system are often treated very differently.
What insurers typically require
- Certified installation — many insurers only recognise systems installed and maintained by a company certified by the National Security Inspectorate (NSI) or the Security Systems and Alarms Inspection Board (SSAIB).
- Ongoing maintenance — declaring an alarm you don't actually use or maintain properly can put a future claim at risk, since insurers may treat the declaration as inaccurate.
- Monitoring level — a monitored connection to an alarm receiving centre (ARC) is more likely to be recognised than an unmonitored bells-only system.
Before you assume you'll save money
Ask your insurer directly, before installing anything, exactly what type of system and certification (if any) would qualify for a discount on your specific policy. Given that around 376,000 domestic burglaries were recorded in England and Wales in the year to June 2025 (ONS), insurers do take security measures seriously — but the size of any discount, or whether one applies at all, varies enough between providers that it's worth confirming before you buy.
The honest bottom line
Install a security system primarily because you want the protection and peace of mind it gives you — treat any insurance discount as a possible bonus, not a guaranteed return on the cost.