Cameras rarely directly reduce your premium, but they do determine whether you can prove a claim - and in the case of companies, the policy sometimes sets requirements.
The greatest benefit is not in the premium but in the handling. Whoever can present evidence of a burglary, vandalism, or an accident on their own property does not need to discuss what happened. This saves time and often eliminates the risk of a counterparty who turns out to be liable.
In business properties, a security class is often listed in the policy, based on what is available. Cameras are usually an addition to hanging and locking systems and an alarm system, not a replacement. Ask your insurance provider what your class requires before you buy — then you know whether you only need cameras or also a certified alarm.
For homes, the Political Quality Mark Veilig Wonen exists, which is primarily about the burglar-resistant properties of doors and windows. For alarm systems, there are certification schemes where the installation company must be recognized. So always ask what exactly is certified: the product, the installer, or the entire system.
We deliver and install camera systems and Ajax alarms. When your insurance company makes requirements, we look into what they mean for the installation and document what has been installed, so you can discuss it with them.
Rarely directly. The profit lies in the handling: with images you can demonstrate what happened during a burglary, vandalism or damage on your own property, which saves discussion and often the cost of your own liability.
Commercial buildings often have a security class listed in the policy. Cameras are usually an addition to hanging and locking systems and an alarm system, not a replacement. Ask your insurance provider in advance what your class requires.
