Following news of the discontinuation of BT Redcare, AddSecure have taken on the task of continuing the BT Redcare Services to provide an option for those who may otherwise have had to entirely update their systems.
We would still encourage you, if you have a BT Redcare system in place, to discuss what the changes mean for you with your alarm supplier, and to check your insurance policies for any stipulations they may include around your alarm and security provisions.
You can find out more about Addsecure’s proposal here and on their website.
Key Highlights
- BT Redcare, a widely used alarm solution for commercial and residential properties, will be discontinued on 1st August 2025.
- Policyholders must find alternative alarm system solutions to ensure their insurance cover remains valid.
- The closure of BT Redcare may lead to challenges in finding equipment and suppliers that can match its performance level so speaking to your alarm provider early is advised.
- Alarm systems play a crucial role in determining insurance cover, and existing policies may be invalidated if an equivalent replacement system isn’t installed by the deadline.
What is happening to BT Redcare?
In a recent announcement, BT revealed that it will discontinue its BT Redcare Alarm Transmission System (ATS) on 1st August 2025. BT Redcare has been widely used in the UK, with more than 100,000 building insurance policyholders relying on its alarm systems; this decision, naturally, has significant implications for both commercial and residential buildings and their insurance cover.
With the discontinuation of BT Redcare, policyholders must find alternative alarm solutions to ensure their insurance cover remains valid. However, industry experts are concerned about availability of equipment and whether security system suppliers can handle the increased demand for like-for-like protection. Insurer AXA has also raised concerns about finding suppliers that can match BT Redcare’s performance level – read more.
Alarm systems play a crucial role in determining insurance cover for buildings, as insurers often require specific alarm standards to be met. BT Redcare’s discontinuation means that existing policies may be invalidated after 1st August 2025 if an equivalent replacement system isn’t installed at a property.
Understanding the BT Redcare Service Withdrawal
BT Redcare is an alarm solution that operates through a standard analogue BT phone line. It sends alerts to property owners and/or the police when an alarm is triggered. Over the years, BT Redcare has established itself as a reliable alarm service provider for both commercial and residential properties, providing peace of mind through continuous monitoring ensuring any potential threats or intrusions are detected and responded to promptly. The decision to withdraw the BT Redcare service has naturally raised concerns among policyholders who rely on it for their security systems.
The decision to cease operations comes as part of a wider switch-off of the Public Switched Telephone Network. As the telecommunications landscape evolves, BT Redcare’s alarm signalling systems, which rely on the analogue BT phone line, will no longer be compatible.
While the exact reasons for the closure have not been specified, it is likely a result of the technological advancements in communication networks and the need to align with industry standards. BT has provided alarm installers with ample notice to facilitate a smooth transition for their customers. However, if you are using a BT Redcare system currently, you must act promptly to find and implement suitable systems that meet your insurance cover requirements before 1st August 2025.
Evaluating Alternatives to BT Redcare
Property owners and/or occupants must explore alternative alarm transmission systems and, essentially, must select a replacement system that meets the performance requirements set out by their insurer(s). Consideration should also include though, the level of security provided, compatibility with existing systems, and reliability. The new system should also comply with the latest alarm standards and be capable of providing seamless alarm transmission.
Key features to look for in a replacement service:
When evaluating alternatives to BT Redcare, you should consider the following key features (this list should not be treated as exhaustive):
- Reliable alarm receiving: The replacement service should have a proven track record of receiving and responding to alarm signals promptly.
- Dual path signalling: Dual path systems provide redundancy and increased reliability by using multiple communication channels, such as IP and GSM.
- Compliance with alarm standards: The replacement service should meet the alarm standards specified by insurers to ensure cover eligibility. Your insurance broker should be able to support you by advising whether the systems you are considering meet with the conditions of your insurance policy.
- Compatibility with existing systems: Consider whether the replacement service can integrate seamlessly with any existing security systems or devices.
- 24/7 monitoring: Choose a service that offers round-the-clock monitoring to provide continuous protection for your property.
Implementing Your New Alarm System
Once a suitable replacement alarm system has been identified, you will need to ensure a smooth transition and compliance with insurance requirements. The following steps can help you implement your new alarm system effectively:
- Schedule the installation: Arrange for the installation of the new alarm system by a security company regulated by the appropriate authorities.
- Notify your insurance broker: Inform your insurance broker about the change and provide them with the necessary documentation regarding the new alarm system’s specifications and compliance.
- Maintain compliance: Ensure that the new system is annually maintained according to the standards set by the National Security Inspectorate (NSI) or the Security Systems and Alarm Inspection Board (SSAIB) as necessary.
- Obtain evidence of maintenance: Keep records of the maintenance agreement and any relevant documentation to support future insurance claims.
Taking these steps will help policyholders comply with insurance requirements and ensure the effectiveness of the new alarm system in protecting their properties.
How we can help
We can help to assess your current insurance cover and advise on the requirements for replacement systems that meet the performance requirements set by your insurer(s). We can support you in finding an alternative system that will work for you, alongside your insurance.
If you would like to speak to the team about a commercial property, you can contact our Commercial Team at commercial@mcclarroninsurance.com or on 01653 609151. Alternatively, if you are looking at systems and insurance for your high value household, you can contact our McClarrons Affinity team at affinity@mcclarroninsurance.com or by calling 01653 602634. Our team will be very happy to help you look at your options.
Frequently Asked Questions
What should I do if my current alarm system is linked to BT Redcare?
If your current alarm system is linked to BT Redcare, it is important to start looking for alternative solutions as soon as possible. BT Redcare’s service will be available until 1st August 2025, but it is advisable to act sooner to ensure a smooth transition. Consult with your alarm provider to find suitable replacement options and speak to your insurance broker to ensure any new system will comply with your insurer’s requirements.
How quickly do I need to find a replacement for BT Redcare?
While BT Redcare’s service will be available until 1st August next year, it is advisable to find a replacement as soon as possible. The timeline for finding a suitable alternative depends on your insurer’s requirements and the availability of equipment and security system suppliers. Acting promptly ensures that you have ample time to install the replacement system and maintain your insurance cover without any disruptions.
Will changing my alarm system provider affect my insurance premium?
Changing your alarm system provider could affect your insurance premium; it depends on your insurer’s specific requirements and the level of cover provided by the new alarm system. Consulting with your insurance broker can help you understand the potential impact on your premium and ensure that you have the appropriate level of cover for your property to support your risk management.
Blog updated: 31st October 2024
