The closure of BT Redcare scheduled on the 1st of August 2025 poses challenges for contractors and property owners relying on its alarm solutions to meet insurance requirements. The decision by the UK’s largest remote monitoring provider will mean thousands of contractors must find an alternative solution to ensure their commercial property insurance isn’t invalidated.
What is BT Redcare?
A standard analogue BT phone line is used to connect to the BT Redcare alarm system. When an alarm is triggered, it sends an alert to the property owner and/or the police. It has become a trusted provider of alarm signalling services, providing reliable monitoring facilities for both commercial and residential properties.
Since BT Redcare’s signalling solutions are compliant with British and European Standards, many insurance brokers and insurers recommend them to their clients.
Impact on contractors’ insurance
Insurance Coverage Risk: For around 100,000 UK building insurance policyholders, the closure of BT Redcare means they must find alternative alarm systems to avoid invalidating their insurance coverage.
Compliance Concerns: Many property insurance policies, especially for commercial properties, mandate the installation of an approved alarm system. With BT Redcare being a widely recommended option due to its compliance with British and European Standards, its closure raises compliance concerns.
4 Steps to take
1. Act Now: Although the closure is set for August 2025, it’s crucial to start the transition process immediately. Concerns about hardware availability and supplier capacity suggest that delaying action could lead to difficulties in finding suitable alternatives.
2. Assess Requirements: Ensure that any replacement system meets the same standards and requirements as BT Redcare. Contact your insurance broker to clarify what your policy necessitates, as these requirements can vary between insurers.
3. Evaluate Alternative Suppliers: While there are other providers in the market, they might face a surge in demand closer to the closure date. Research alternative suppliers early and assess their capacity to meet your needs.
4. Check Credentials: Verify that the chosen supplier is regulated by either the National Security Inspectorate (NSI) or the Security Systems and Alarm Inspection Board (SSAIB). Additionally, ensure that the system will be annually maintained according to NSI or SSAIB standards, as this may be required in the event of a claim.
By taking proactive steps and staying informed about insurance policy requirements and alternative alarm system options, contractors can navigate the transition away from BT Redcare while safeguarding their insurance coverage.
If you have any concerns about your contractors insurance policy, please feel free to get in touch with our professional team for your free advice: info@dcuk.co.uk or call on 01892 511 144.
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