1. New Intruder Alarm Standards An insurance view of the future A presentation for ASC by Barry Faiers Principal Security Surveyor, Allianz Cornhill Insurance Plc

2. The introduction of the new European Standards and British Standard Codes of Practice that will be replacing BS 4737 during 2005.

3. Then and Now British Standards were last updated in 1988 Need to align with European Standards Conflicting British Standards Withdrawn 1st March 2004, but not all European Standards are published! PD 6662:2004 will be used to ‘plug the gaps’

4. What Standards? Pr EN50131 : 2004 BS EN 50131 - 6 PD 6662 : 2004 DD243 : 2002 DD243 : 2004

5. What’s Changing? There will be dual running of BS’s and EN’s from 1 st October 2004 until 1st October 2005 but not ‘mixed’ systems ENs will not be retrospective DD 243 will still apply to get a police response (England and Wales) new systems will still have to transmit a confirmed signal

6. What’s different? EN calls for graded systems using graded equipment Grades 1, 2, 2X, 3, 4 System will be graded to its lowest component. Some equipment e.g. Grade 4 may not be available yet. Terminology:

7. Terminology Signalling becomes Alarm transmission systems (ATS’s) Bells and sirens become Warning Devices (WD’s) Notification covers both ATSs and WDs. Specification becomes System Design Proposal New document introduced: As fitted Document

8. The Grades Grade 1 - very low, equivalent to DIY Grade 2 - acceptable for low risks Grade 2X - as Grade 2 but bells only Grade 3 - Roughly equivalent to existing systems Grade 4 - high security old BS 7042 systems

10. Who decides the Grade? The installer must carry out a written risk assessment to determine the Grade of system. NSI / SSAIB to check that risk assessment has been done but not how the Grade was decided on. Insurer can advise client of the Grade required. Insurer will not see the installers risk assessment. (warranty implications!)

11. Summary – Gross Incurred Claims

12. What grade shall I request? Most systems will be Grade 3 this equates roughly to existing systems. Low risk shops could be Grade 2 Low risk shops ‘live on premises’ and multi- tenure offices with 24 hour guarding could be Grade 2X Domestic - Grade 2 or 2X but Grade 3 for very high risk

13. What do I need to know? Grade 1 not suitable for insurance purposes Difficult and costly to upgrade from 2 to 3 Grade 4 will be rarely used and equipment may not be available in the short term. (Use Grade 3 equipment where grade 4 is not available) Remember the lowest graded item of equipment will determine the grade of the whole system.

14. How to specify: ‘An intruder alarm system must be installed by a company recognised by a UKAS accredited inspection body (NSI or SSAIB). The system must conform to EN 50131-1 according to the scheme described in PD6662:2004 for a Grade {2/3/4} system, with dual path signalling by BT Redcare GSM or Dualcom Plus’

15. How to check a specification Correct grade of system? Method of verification? Sequential, audio, visual Coverage of equipment : enough detectors in an area for sequential activations? area of detection and coverage of microphones for audio? area of detection and view of cameras for visual? Method of unsetting as per DD243? - 6.4.4 is unacceptable Correct signalling - dual path? BT Redcare GSM or Dualcom Plus by name other systems are on the way, but untested!

16. DD 243 Unsetting 6.4.1 - General details 6.4.2 - Unlocking entry door unsets IAS 6.4.3 - unlocking “ ” disables all conf. 6.4.4 - opening entry door disables all conf. 6.4.5 - completion of unsetting using a PACE 6.4.6 - unsetting carried out in conjunction with the Alarm Receiving Centre.

17. DD243 : 2004 Description of unsetting option inc. para no. e.g. 6.4.3. A warning if 6.4.4 unsetting is used A warning about single path signalling The specified parts of the premises that do, and do not, have effective confirmation facility Confirmation time to be stated Annexe F (informative): Information to be included in the System Design Proposal and As Fitted Documents.

18. DD243 issues Nottinghamshire Police are requiring all existing systems be made confirmed systems from March 2006 if a police response is required.

19. Other issues…… SIA Approved Contractors Scheme Proposed Standard Definition: Seeks to describe the “perfect” organisation, rather than setting a minimum standard “Pass mark” to be decided after the scheme has been piloted “Reasonable” evidence of compliance required No requirement for accreditation to ISO9001:2000 No requirement for compliance with British Standards

21. The End

22. QUESTIONS? (and maybe some answers)