Theft–don’t leave your club exposed!
Club Insure took several reports of thefts from outbuildings last year so we would like to take an opportunity to remind all clubs to check their policy wording to ensure that the Physical Security Standards are being adhered to.
As with all other parts of the premises an outbuilding should be fitted with a suitable alarm but in addition to this there will be other Physical Security Standards that are required.
Physical Security Standard – sample wording This is applicable to any cover granted in respect of Damage by Theft. It is a condition precedent to the Company’s liability for Damage that the Policyholder shall have implemented the following security measures within eight weeks of commencement of Theft cover. Failure to do so may result in a claim under Theft cover not being paid or in payment being reduced.
Doors - In respect of all external doors (including wicket gates) and internal doors leading to other premises or part of premises not occupied by the Policyholder.
Timber and Steel Doors - To be secured by at least one of the following:
i. A mortise deadlock conforming to BS3621 together with a compatible boxed striking plate.
ii. A close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer’s corresponding locking bar or (for doors other than final exit).
iii. Two key operated security bolts for doors one fitted approximately 300mm from the top of the door and the other approximately 300mm from the bottom.
Aluminium and UPVC Doors - To be secured by a cylinder operated mortise dead lock or deadlocking multi-point locking system.
Roller Shutter Doors - To be secured by either:
i. Two cylinder operated shutter locks with one lock fitted at each end of the shutter, or
ii. A close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer’s corresponding locking bar.
Horizontal sliding or folding doors - To be secured by either: i. A hook bolt mortice deadlock, or ii. A close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer’s corresponding locking bar.
Double leaf doors - The final closing leaf to be secured by the appropriate locks as detailed above, the first closing leaf to be secured by flush bolts or key operated security bolts top and bottom throwing into the framework and sill.
Outward opening doors - (This is applicable to timber and steel doors only.) In addition to the appropriate locks and bolts detailed above, each outward opening door to be fitted with hinge bolts top and bottom. The above requirements do not apply to any door officially designated as a fire exit by the fire authority.
Windows - Each ground floor and basement opening window or skylight and other window or skylight accessible from decks, roofs, balconies, canopies, fire escapes or downpipes to be secured by a key operated lock fitted independently of the existing fastener unless the lock forms part of the original fastener design.
This requirement does not apply to any window or skylight which is either:
i. Protected by solid steel bars grilles lockable gates expanded metal or weld mesh, or
ii. Officially designated as a fire exit by the fire authority.
It is important to keep a comprehensive list of all your assets and update this regularly as this will help you ensure that your Sums Insured are adequate. Please take photos of your equipment where possible so that if you are unfortunate enough to suffer an incident you can easily evidence your loss, particularly if you no longer have the original purchase receipts.
It is vital that you check your own individual policy as each wording is different and if you are unsure whether you have the correct cover in place contact your insurer.