What is the difference between monitored and unmonitored alarms?
The main choice when buying a burglar alarm is whether to go for monitored or unmonitored. Monitored alarms automatically alert a 24/7 response centre when triggered, while unmonitored alarms rely on a loud siren and neighbour notifications. This guide compares both options for UK homeowners.
Gary Pearce, a certified UK security and data cabling installer with 15+ years of experience serving Surrey and the South East, provides expert advice on this topic.
What is a monitored burglar alarm and how does it work?
A monitored burglar alarm is a security system that detects intruders and alerts both the homeowner and a professional monitoring service. The system consists of various sensors, control panel, and communication devices.
Key components include:
- Motion detectors - These use infrared technology to detect movement within a specified area.
- Contact sensors - Usually placed on doors and windows, these detect when they're opened.
- Sounders - Loud alarms that alert the occupants and deter burglars. Some are wireless for easy installation.
- Control panel - The brain of the system, it communicates with all components and handles programming.
The control panel communicates with the monitoring service via a landline, broadband, or mobile signal. If an alarm is triggered, the control panel sends a signal to the monitoring centre, which then contacts the homeowner and alerts the police.
When choosing an installer, look for one that:
- Is NSI (National Security Inspectorate) approved
- Offers 24/7 monitoring with a UK-based call centre
- Uses high-quality components from reputable brands
For a typical 3-bedroom house, expect to pay around £1,200 - £2,000. Systems for larger properties or those in high-risk areas may cost more.
Always ensure your system complies with BS EN 50131 standards and is installed by a professional. Consider adding extra features like:
- Cameras that record intruders
- Smart locks for remote access
- Smoke detectors to protect against fire
Remember, the best alarm systems are those that are properly maintained and tested regularly. Change batteries annually and review your system every few years to ensure it meets your needs.
What is an unmonitored burglar alarm and how does it work?
An unmonitored burglar alarm is a security system that detects intruders and sounds an audible alert within the property. It does not connect to a monitoring service or the police. Unmonitored alarms are typically cheaper than monitored systems as they lack the ongoing subscription fees for professional monitoring.
Key components of an unmonitored alarm include:
- Control panel: The central hub that communicates with sensors and triggers the siren.
- PIR (Passive Infrared) sensors: Detect heat signatures from moving people or animals.
- Contact sensors: Installed on doors and windows to detect tampering.
- Siren/strobe light: Produces a loud noise and flashes a bright light when triggered.
Unmonitored alarms are suitable for most UK homes, especially smaller properties like semi-detached houses or Victorian terraces. They provide a deterrent against burglars and alert occupants to an intrusion. However, they don't offer the added protection of professional monitoring which can respond faster than you could call the police.
When selecting an unmonitored alarm system, look for:
- A control panel with a back-up battery so it functions during power outages.
- PIR sensors with pet immunity to avoid false alarms from pets.
- Contact sensors on all accessible doors and windows.
- A loud siren and bright strobe light to deter the burglar and alert occupants.
Installation should follow UK security standards like BS EN 50131. Have a qualified installer program the system to your property's layout and family's needs. They'll also test it to ensure proper operation.
While unmonitored alarms aren't as secure as monitored systems, they're still an effective deterrent for most homeowners in the UK. With the right components and installation, an unmonitored alarm can provide valuable protection at a lower cost than monitored options.
How much does a monitored alarm cost per month in the UK?
The cost of a monitored alarm system in the UK varies depending on several factors. These include the level of monitoring required, the type of equipment installed, and any additional features or upgrades chosen.
Typically, you can expect to pay anywhere from £10 to £40 per month for a monitored alarm system. This price usually includes a monthly subscription fee for the monitoring service, which is provided by a security company. The monitoring service will typically offer 24/7 coverage, meaning that they are available to respond to alarms at any time.
When considering the cost of a monitored alarm system, it's essential to factor in the initial installation costs as well. These can vary greatly depending on the complexity of the system and the size of your property. For example, installing an alarm system in a Victorian terrace home may be less expensive than installing one in a large new build or stone cottage.
It's also important to consider the level of monitoring you require. Some companies offer basic monitoring services, while others provide more advanced features such as remote access and smart home integration. These additional features will likely increase your monthly cost.
When choosing a monitored alarm system, it's crucial to look for one that meets the UK's regulatory standards. All alarm systems installed in the UK must comply with British Standard BS EN 50131. This standard sets out specific requirements for the design, installation, and maintenance of electronic security systems.
In summary, the cost of a monitored alarm system in the UK can range from £10 to £40 per month, depending on factors such as the level of monitoring required, the type of equipment installed, and any additional features or upgrades chosen. It's essential to factor in the initial installation costs and consider the level of monitoring you require when selecting a system that meets UK regulatory standards.
Do I need NSI or SSAIB certification for my alarm?
When considering an alarm system for your UK property, you may wonder whether NSI or SSAIB certification is necessary. The answer depends on your specific needs and the type of property you own.
NSI (National Security Inspectorate) and SSAIB (Security Systems and Alarms Inspection Board) are both UK-based accreditation bodies that ensure security systems meet high standards. While not legally required, these certifications provide peace of mind and demonstrate a company's commitment to quality.
For most homeowners, opting for an NSI or SSAIB certified installer is advisable. These companies have undergone rigorous assessments to prove their competence and reliability. They will install systems that comply with relevant British Standards, such as BS EN 50131 for electronic security systems.
When choosing an alarm system, consider the following key features:
- Police Response: Look for a system with a direct connection to the police force communication centre (also known as 'keyholding' or 'monitoring'). This ensures rapid response in case of an alarm activation.
- Wireless Technology: Modern wireless systems are more cost-effective and easier to install than traditional hard-wired systems. Ensure the installer uses high-quality, encrypted wireless technology to prevent tampering.
- Battery Backup: Choose a system with a reliable backup battery to maintain functionality during power outages.
- Remote Access: Consider a system that allows you to control and monitor your alarm remotely via smartphone or tablet apps.
The cost of an NSI or SSAIB certified alarm system in the UK can vary widely, from around £500 for a basic wireless system to several thousand pounds for a comprehensive monitored system in larger properties like Victorian terraces or new builds. Semi-detached homes may require systems priced between these two extremes.
Ultimately, while not mandatory by law, NSI or SSAIB certification offers added assurance that your chosen installer and alarm system meet the highest standards of quality and reliability. This can provide valuable protection for your home and loved ones.
Can I get insurance discount for a monitored alarm?
Yes, you can often get a discount on your home insurance premiums if you have a monitored alarm system installed. Many UK insurers offer discounts of around 5-20% for properties with approved security systems.
When choosing an alarm system to qualify for these discounts, look for one that includes the following key features:
Police-approved components: Systems certified to BS EN 50131 standards are most likely to be accepted by insurers and police forces.
Wireless or wired connections: Both types can work well, but wireless systems are often easier to install and update.
24/7 monitoring: This is essential for insurance discounts. The alarm company will alert the police or keyholders if there's a trigger.
Multiple sensors: Include motion detectors, door contacts, and glass break sensors to cover all entry points.
Backup batteries: In case of power outages, the system should still operate for several days.
Audible alarms: These deter intruders even if monitoring fails.
Remote access: Allow you to control and monitor your system via smartphone or web app.
Maintenance contracts: Ensure the system is regularly maintained by a professional.
Installation costs vary depending on the size and type of property. A basic wireless system for a small home could cost around £500-1000, while larger homes with complex systems may pay £2000+.
Most insurers require you to have the system installed by a certified installer like myself. We'll ensure it meets their standards.
Remember, alarms are just one part of a comprehensive security plan. Other measures like secure doors and windows, good lighting, and neighborhood watch schemes also help reduce insurance risks and premiums.
Which is better for UK homes - monitored or unmonitored?
When it comes to home security systems in the UK, one of the key decisions you'll need to make is whether to opt for a monitored or unmonitored system. Both have their advantages and disadvantages, but ultimately, a monitored system is generally considered superior for most homes.
Monitored systems are connected to a 24/7 security monitoring centre, which means that if an alarm is triggered, the monitoring team will be alerted immediately. They can then contact the police or emergency services on your behalf, giving you peace of mind even when you're not at home. This level of protection is particularly important for larger properties like Victorian terraces and new builds, where there may be more valuables to protect.
The main advantage of a monitored system is that it provides an extra layer of security beyond just the alarm itself. If someone were to break in, the monitoring centre can take immediate action to prevent them from causing damage or stealing your belongings. This added protection is often worth the additional cost, which typically ranges from £20-£40 per month for a monitored system.
Unmonitored systems, on the other hand, only alert you directly if there's an intrusion. While this can still be effective in deterring burglars - many criminals will avoid homes with visible security signs - it doesn't provide the same level of immediate response as a monitored system. Unmonitored systems are usually cheaper, with monthly fees starting at around £10 per month.
When choosing between these two options, consider your specific needs and budget. If you have high-value items or live in an area with a higher crime rate, it may be worth investing in a monitored system for the added peace of mind. However, if cost is a major concern and you're willing to take on the responsibility of contacting the authorities yourself, an unmonitored system could suffice.
Regardless of whether you choose monitored or unmonitored, make sure your system includes essential features like:
- Intruder detection: Motion sensors, door and window contacts, and CCTV cameras.
- Fire protection: Smoke detectors and heat sensors.
- Remote monitoring: The ability to check in on your home remotely via smartphone app.
- Backup batteries: In case of power outages.
By selecting a system with these features and opting for monitored protection if possible, you can help ensure the safety and security of your UK home.
Key Takeaways
- Monitored alarms cost GBP 20-40 per month but provide instant police or keyholder response
- Unmonitored alarms cost nothing monthly but rely on neighbours hearing the siren
- NSI or SSAIB certification is essential for monitored systems - your insurer may require it
- Monitored systems typically include smoke/CO detection and panic buttons as standard
- Unmonitored smart alarms with phone alerts offer a middle ground at no monthly cost
- Gary Pearce has 15+ years of experience installing alarm systems across Surrey and the South East
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Written by Gary Pearce. Need professional home security advice? Read our guide or call 07830 638 337.
Article by Gary Pearce — Need help? Call 07830 638 337 or visit our services page