M93 - Chapter 4 Flashcards
What year was the Theft act enacted
1968
A person is guilty of theft if they dishonestly appropriate property belonging to another, with the intention of permanently depriving the other of it
Theft Act definitions in short
Theft / Stealing - Deprives someone of something with the intention of keep it
Robbery - As above, but with use of force
Burglary - As above, but breaks into building and extends to damage to the people or property therein
Aggravated Burglary - As above, but with a weapon
How might an Insurer gather theft statistics
Own Records
Pooled Insurance figures (ABI)
Stats from various government or other surveys
Crime figures by Police force
How thick should a door be?
45mm
5 Additional security measures for doors?
Hing Bolts
Other/Extra bolts
Steel lining (15mm 16 Gauge)
Goalers gates -Substantial barred gates
Frame protection
Additional security for windows
- Bars
- Grills
- Roller shutters
Further security measures not associated to doors/windows
Ram raid posts
Chain link fences 1.8m high (2.4m if with Razor wire)
Palisade fencing - Min 2.4m in height.
Internal strong room
Surveillance - Camera’s & Security patrols who grant access, take action against intruders & notify police.
What are the grades for European Standard EN50131 for alarms
There’s 4
- Low
- Low to medium
- Medium to high
- High risk
Three levels of police response to alarms
Level 1 - Immediate (new system or no false alarms)
Level 2 - ‘Police attendance desirable but may be delayed’
Leve 3 - No response, review in 3 months.
Other security measures
Safes - Free Standing / Wall safes or Underfloor (Safes given security rating in terms of what they can hold)
Fog generating machines - Used to fill the room with harmless fog, but there are duty of care concerns
Money in transit rules - 5k (2) 8k (3) 12k (4) 12k+ Security team
How will insurers assess the theft risk
Business of the Insured
Volume of target stock per category
Other contents and sum insured per category
Good practice to prevent spray booth fire/explosion
Booth, ducts, filters and fans cleaning daily or weekly, depending on usage
Extractor fans run for at leas t10 minute after use
No more than 1 day supply of flammable liquids in the booth, or vicinity
Or flammable liquid containers to be fitted with stoppers, or lids kept closed.
Good practice for oxy acetylene welding and gas cannister storage
Hoses, valves and torches in good order
Careful handling
Empty cylinders separate from full, part used should be finished off and stored with empty.
Full cylinders are used regularly, so that one is not left a long time without usage.
Remove empties regularly
When is dust a larger hazard than flammable gas?
Gas is only present until is dissipates, dust stays in the atmosphere so is around the vicinity at all times
In assessing storm risk, which two factors are insurers must interested in?
Location and Construction
What is difference between Subsidence and Heave?
Subs - Is caused by the shrinkage of the ground
Heave - Is caused by the expansion
In both cases the property damage occurs by un-even surfaces forming underneath the foundations.
What is landslip?
A small landslide. Rapid downward movement under the influence of gravity.
Area’s close to coast are susceptible, Insurers will use local knowledge.
Examples of policies that may grant full theft cover
Guest houses and Hotels - No requirement for forceful entry/exit, as they are always open for business.
What are the 5 levels of security
- Five Lever deadlocks, key locked windows
- Level 1, plus Alarm installed to NSI or SSAIB Standards
- Level 2, plus alarm with digital communicator
- Level 3, p’us redcare/dual com
- Level 4, plus specialist physical security EG Shutters, bars, strong room, CCTV……….
Typical theft patterns
Areas where multiple victims suffer theft more than once.
Target items
Cheap stuff easily sold at a car boot
Druggys
Inside jobs
Areas close to Motorways for a quick getaway
What is a hinge bolt and why is it best for a fire exit door?
A hinge bolt stops the door being lifted from its hinges. This prevents thieves from removes the hinges and simply pulling the door off
Alarm conditions for the insured
Activate the system when your not there
Maintain the system annually via NSI or SSAIB Installer
No keys to be left
Advise insurer of any system changes or reduced response levels
Considerations for the correct safe
Maximum value Volume Position - prefer inside locked office, under floor or within wall Key or combination Price - New or second hand
For GIT - what security can be added to improve vehicle security?
Audible and visible alarm
Mortise lock and striking plate
Locking bar on double doors
Wire grilles on Windows
Lockable compartments within the vehicle
What 2 things can be considered when improving vehicle security and cargo theft?
- Immobilise the vehicle, so thieves cannot simply drive off
- Improve the physical security
How are safes classifed?
Free Standing / Wall mounted / Under-Floor, they are then given a security limit,
