A good way of reducing your premium costs is to improve the security of your property. One of the most important areas of security is in the outside doors to your home. Your home should be fitted with locks up to at least BS3621 standard. The only way these locks can be opened is with a key, and cannot be opened by a card, or breaking the window and putting your hand in to open it from the inside.

Its not just doors that are a security issue, windows which can be easily accessed should also have locks to allow them to be locked from the inside.

An additional and worth while investment can be a burglar alarm. This will have a significant effect on cutting the cost of your premium. Again, check with the alarm supplier what standard it conforms to.

Also, if you are in a neighbourhood watch scheme you may be able to further reduce your insurance premium.