Fibre Digital Migration And The Impact On Your Insurance Policy

Posted on by Anthony Wakefield & Co

The mandatory rollout of the new fibre based digital phone network intended to complete in 2025 is progressing. The sale of analogue lines will cease in September 2023 and new alarm systems will now be installed over an IP-digital network.

Most analogue based alarm transmission systems used for intruder and fire alarm systems may fail to operate correctly after this transition. Where remote signalling for alarm systems is a condition of insurance policy cover, the migration could leave you accidentally in breach of your policy conditions.

Here are a few tips:

In order to avoid any interruption to your policy cover, it is advisable that clients with remote signalling alarm systems should approach their system maintenance providers to establish if existing alarm transmission systems will work on the new fibre network ahead of the switchover.

If your alarm system is not compatible, you may need to look to get an alternative that will not compromise the signal transmission.

A monitored alarm system can act as a deterrent to thieves, reducing the risk of a burglary. In some cases, insurers may require a monitored alarm to be installed and maintained under contract by an accredited installer if the home has a significant collection of art, antiques and/or jewellery. While physical protections (such as locks and safes) are useful, having an effective monitored alarm set while the property is unattended will maximise the possibility that the police can respond and catch the thieves in the act.

If your insurance policy is coming up for renewal or you would like to speak with us about an existing policy, please call 01306 740555 or email alternatively you can visit our website to see what insurance products we offer.

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