BT Redcare, a leading provider of Alarm Transmission Systems (ATS) in the UK, announced earlier this month they would be closing the service from 1st August 2025
With the closure of BT’s Redcare service, construction companies and property owners with Redcare alarm systems will need to find a replacement before the service ceases operation next August.
Many buildings and contents policies often require the policyholder to have a monitored alarm system fitted which is of an insurance approved and certified standard. It is important for property owners to be aware of their insurance terms which will stipulate the standard of alarm system required.
Why do many insurers require an alarm system?
Alarm systems provide extra protection against break-ins, theft and vandalism. Insurers may impose higher premiums, cover restrictions or even refuse to cover a property without an alarm system. Insurers calculate risks to your site or property based on a number of factors including the security measures you have in place, history of claims and the value of any content, stock or equipment onsite.
Why are certain alarm standards required?
Higher risk properties or sites are typically required to have a monitored alarm system as these systems are watched over 24/7 by a private security company, who will alert the authorities when an alarm is triggered.
In contrast ‘Bells only’ alarm systems are often not considered secure enough for higher risk commercial properties or buildings as they depend on a third party to take action by witnessing potential criminal activity alerting the police.
Often commercial properties are located in areas where it would be less likely that a third party would be around to witness potential break-ins and report to the authorities.
What should I do if I have a BT Redcare Alarm system?
To avoid potential issues you should take action early by consulting with your current provider and insurance broker to ensure you are aware of the required standards for your new alarm system.
Security companies may offer replacement alarms which are lower cost or easy to source options but are not considered a comparable product, therefore putting you at risk of not being covered by your current policy.
Policyholders should also be wary of contact from unreputable security companies who may try to contact them offering ‘upgrades’ to their current alarm systems. To avoid falling victim to opportunists, you should ensure you only use a reputable company who can provide an insurer certified replacement system of the correct standard for your current policy.
Speak to an expert
Tysers Insurance Brokers can provide expert insurance and risk management advice for the Construction and property sector including property developers. If you require the guidance of an experienced broker, you can get in touch by visiting our website.
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