Frequently Asked Questions | Insurance Industry Guidelines
Insurance Industry Guidelines
To meet acceptability guidelines, an alarm must comply with certain feature specifications and installation requirements, so that:
The alarm provides adequate protection
The alarm meets industry guidelines
System integrity and performance is ensured
The likelihood of false alarms is reduced, and
The community is relieved of unnecessary noise pollution.
Alarm specifications for houses, townhouses and villas
Essential features for house, townhouse and villa alarms
Intruder detection on or near the main entry points (all external doors must be covered).
A minimum of three intruder detection devices, including at least two motion detectors (a combination of movement sensors and reed switches is acceptable, if there are three in total).
Connection to mains electricity, and a rechargeable battery which operates when mains electricity fails. At least one internal siren (two may be beneficial, with at least one near the most likely entry point).
A strobe light, and an external siren that meets the relevant noise control regulations.
Desirable features for house, townhouse and villa alarms
The following features provide better security but are not essential.
Isolation capability. I.E. Home mode or odds and even zones,
24-hour duress protection.
24-hour smoke detection capability.
Regular alarm maintenance, including a professional service at least every two years.
Compliance with the intent of the installation requirements of Australian Standard 2201. (see below)
An additional motion detector in any room containing high risk valuables.
Inclusion of garages in the alarm surveillance region.
Where wireless or radio systems are used, they should operate in a radio frequency outside that of conventional two-way radios. This helps to avoid interference and reduce false alarms.
Australian Standard (AS) 2201.
The following are some key items of this requirement:
Standby backup battery with a minimum capacity of 48 hours for a local unmonitored audible alarm and a minimum capacity of 4 hours for a monitored alarm. (Including self monitored) Automatic rechargeable batteries Tamper protection on all detection and warning devices.
Concealed or protected wiring. Routine maintenance of the system.
Operating procedure instructions .
Eagle Security systems meets all of the above.
Special note. To receive a discount on insurance premiums, some insurance companies demand you have a back to base monitored alarm.
Please weigh up the cost/benefit. The cost to have a quality alarm installed with a three year monitoring contract ranges between $1600.00 and $3000.00 in the first 3 years then continuing fees thereafter. If you forget to arm the system and monitoring company does not receive an activation message during a robbery, the insurance company won’t pay the claim.
The average premium discount for a monitored system is only about $20-30.00.
It is also worth noting that Eagle Security does not tie you into Monitoring contracts, you are able to stop whenever you wish.