Insurance Discount for Security Systems: How Alarms and Cameras Lower Your Premiums

When you install a security system, a network of devices like alarms, cameras, and sensors designed to detect and deter intruders. Also known as home security system, it doesn’t just keep your house safe—it can save you money every year on your insurance bill. Many UK insurers offer discounts of up to 15% for homes with professionally monitored alarms, and even more if you have visible CCTV cameras. This isn’t just a marketing trick—it’s backed by data. Studies show homes with security systems are up to 60% less likely to be broken into, and insurers reward that lower risk.

Not all systems are treated the same. Insurers care about alarm system, a device or set of devices that trigger alerts when unauthorized entry is detected. Also known as burglar alarm, it needs to be monitored by a certified response center—not just a loud siren. Systems like ADT and Ring that connect to 24/7 monitoring services get the best discounts. CCTV camera, a closed-circuit video system used to record activity around a property for security purposes. Also known as surveillance camera, it helps insurers verify claims and reduces fraud. If your cameras are visible from the street, you’re more likely to get a bigger discount. Pet-friendly alarms? They matter too. If your system ignores your dog or cat but still detects a person, it cuts down false alarms, which insurers love because they’re costly to respond to.

It’s not about buying the most expensive setup. It’s about choosing the right features that insurers recognize. A hybrid system with both wired and wireless components, backed by cloud storage and motion-triggered recording, ticks all the boxes. Solar-powered outdoor lights? They’re not just for show—they reduce dark spots where burglars hide, and some insurers give small discounts for good lighting. You don’t need a smart home. You just need proof that you’ve taken real steps to prevent break-ins.

Before you sign up for any system, ask your insurer what they require for the discount. Some want a certificate from the installer. Others need your system to be listed with the Association of Chief Police Officers (ACPO). A few even ask for a police-approved alarm. Don’t guess—get it in writing. And remember: a system that’s turned off or poorly installed won’t help. The discount only applies if it’s active, working, and properly registered.

Below, you’ll find real breakdowns of what systems actually work, how much they cost, which ones trigger false alarms (and which don’t), and how to make sure your setup qualifies for the biggest possible discount. No fluff. Just facts from people who’ve done the research—and saved real money because of it.