Do I need to have a smoke and heat detector installed in my property?

You don't need any specific fire alarm protection under our standard home insurance policies. This includes our customers with home insurance in Scotland, despite the new legislation around home smoke and heat alarms which came into effect on 1 February 2022. If you did have a fire in your property, your insurance would still cover you, subject to the terms and conditions of your policy.

However, wherever you live, we strongly encourage you to fit interlinked smoke and heat detectors in your home to protect your family and property in the event of a fire.