3. Does home insurance cover arson fires?
4. How do I reduce
property maintenance costs by fitting IdealGuard™?
5. Is IdealGuard™ suitable for individuals of pensionable age, backsufferers and disabled ?
6. In what way IdealGuard™ products are different from security letter/mail boxes available on the market? For example, the anti-arson ones with the fire extinguisher?
7. Is it possible to install a portable fire extinguisher and/or intumescent lining inside the IdealGuard™
as an additional
means of protection against fire if I wish so?
8. Is it possible for IdealGuard™ secure letterbox attachment products to be certified as secure and/or fire resistant and have them installed on security and/or fire rated doors?
9. Why having protection from liquids so important?
10. Are there any
restrictions to the items of mail that can be delivered?
11. Can I fit IdealGuard™
myself?
12. Should I tell the
postman that I have a new secure letterbox attachment installed?
13. Were IdealGuard™
products tested?
ANSWERS
1. Is IdealGuard™ for me?
With new legislation in force in the UK, such as The Fire Safety Bill, Construction Products Regulation, The Regulatory Reform (Fire Safety) Order 2005, and the constantly updated Building Regulations Part B (Fire Safety), Part L (conservation of Fuel and Power) and Part Q (Security), improving security and energy efficiency in the letterbox is not optional any more in non-domestic premises and in some of the residential premises too, which are covered by the legislation.
In addition to the mandatory legislation, common sense tells us that for the same reason you have your front doors locked, you must also have security against crime and vandalism in the front door letterbox for protection of your most valuable assets, such as your family, high-priced property and contents. Also, you do not want to waste money on energy bills.
Simple calculation proves that fitting IdealGuard™ for physical security, saving on energy bills, and reducing insurance premiums is much more economical than damaged property restoration, replacing contents and stolen valuables, like cars (car keys are known to be 'fished out' through the unprotected letter plate), paying increased insurance premiums, and suffering the consequential loss.
If you are considering the most cost-effective means of improving the security and energy efficiency of a property, you should take the opportunity and install IdealGuard™.
IdealGuard™ products are recommended since they are world's first and world leaders in letterbox advanced maintenance-free physical security and functionality in conjunction with saving house energy, protection of the environment and ergonomics for the user and a postman. With IdealGuard™ product fitted indoors, you will receive your mail in the traditional way, but with more comfort and security.
IdealGuard™ security attachment product for a letterbox is the only product that expels liquids and is suitable for fitting to the letterbox at any level: high- and low.
burglars can easily mitigate the risk of being caught by wearing hoods and caps.
2. Why do I need
IdealGuard™ if I already have CCTV or intruder/fire alarm?
Whatever locks, alarms and CCTV may be installed, the unprotected letterbox offers an easy and attractive route into a property for perpetrators. Those systems and warning signs cannot substitute for the physical security in the letterbox and are powerless to stop vandals, arsonists, thieves, burglars and terrorists who will use any opportunity to attack your property.
CCTV has only proved effective for police work after a crime has happened. The effectiveness of CCTV is also being questioned as burglars can easily mitigate the risk of being caught by wearing hoods and caps.
3. Does home insurance cover arson fires?
This is clarified by Morgan Clark Loss Assessors: "According to
government statistics, 20% of fires in dwellings are caused by arson. That's a
significant number of property fires in the UK, and they may not all be covered
by their respective home insurance policies.
Even if you did not
know the arsonist who attacked your property, you may run into some issues when
making a fire damage claim. In certain scenarios, the policy owner may still be
held liable for the damage to their property and have their fire insurance
claim rejected by their insurance company.
This could be the
case if you knew about a potential fire risk to your property. Your claim could
also be rejected if your property doesn't comply with the necessary safety
legislation, including the Regulatory Reform (Fire Safety) Order 2005."
Also, you might not be covered if you're away from home for more than 30 days a year, unless you have unoccupied home insurance.
"One of the best
ways to protect yourself from having a fire insurance claim rejected after an
arson attack is to take measures to prevent an arson attack in the first place.
Then, should anything happen, you will be in a much better standing to claim on
your home insurance."
Fitting IdealGuard™ products eliminates or greatly reduces the risk of letterbox arson.
Installing IdealGuard™ secure by design, multifunctional eco product to the letterbox reduces property losses caused by fires, criminals, and vandals.
According to the Housing Health Cost Calculator from BRE, the savings to society just from eliminating the risk of fire is £104,325.
If property was insured, fitting IdealGuard™ would stop the accidents that would give rise to building, contents, and health insurance claims and insurance premiums going up in the following year. Insurance companies can cut millions in their losses from the claims on such accidents.
However, in the absence of letterbox protection, the insurance company can refuse the payout if it turns out that the mandatory legislation requirement to protect the premises from known fire and security risks was not met by the 'responsible person'.
Building owners and managers, such as Local Government Authorities and Housing Associations, can save millions of pounds in losses that were not covered by insurance by installing IdealGuard™product.
Also, you will better protect the property when it is temporarily not occupied, so insurance typically does not cover vandalism, theft and malicious damage to the building and contents.
5. Is
IdealGuard™ suitable for individuals of
pensionable age, backsufferers and disabled?