M93 - Chapter 4

Question 1

What year was the Theft act enacted

Answer 1

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

Question 2

Theft Act definitions in short

Answer 2

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

Question 3

How might an Insurer gather theft statistics

Answer 3

Own Records

Pooled Insurance figures (ABI)

Stats from various government or other surveys

Crime figures by Police force

Question 4

How thick should a door be?

Answer 4

45mm

Question 5

5 Additional security measures for doors?

Answer 5

Hing Bolts

Other/Extra bolts

Steel lining (15mm 16 Gauge)

Goalers gates -Substantial barred gates

Frame protection

Question 6

Additional security for windows

Answer 6

1. Bars
2. Grills
3. Roller shutters

Question 7

Further security measures not associated to doors/windows

Answer 7

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.

Question 8

What are the grades for European Standard EN50131 for alarms

There’s 4

Answer 8

1. Low
2. Low to medium
3. Medium to high
4. High risk

Question 9

Three levels of police response to alarms

Answer 9

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.

Question 10

Other security measures

Answer 10

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

Question 11

How will insurers assess the theft risk

Answer 11

Business of the Insured
Volume of target stock per category
Other contents and sum insured per category

Question 12

Good practice to prevent spray booth fire/explosion

Answer 12

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.

Question 13

Good practice for oxy acetylene welding and gas cannister storage

Answer 13

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

Question 14

When is dust a larger hazard than flammable gas?

Answer 14

Gas is only present until is dissipates, dust stays in the atmosphere so is around the vicinity at all times

Question 15

In assessing storm risk, which two factors are insurers must interested in?

Answer 15

Location and Construction

Question 16

What is difference between Subsidence and Heave?

Answer 16

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.

Question 17

What is landslip?

Answer 17

A small landslide. Rapid downward movement under the influence of gravity.

Area’s close to coast are susceptible, Insurers will use local knowledge.

Question 18

Examples of policies that may grant full theft cover

Answer 18

Guest houses and Hotels - No requirement for forceful entry/exit, as they are always open for business.

Question 19

What are the 5 levels of security

Answer 19

1. Five Lever deadlocks, key locked windows
2. Level 1, plus Alarm installed to NSI or SSAIB Standards
3. Level 2, plus alarm with digital communicator
4. Level 3, p’us redcare/dual com
5. Level 4, plus specialist physical security EG Shutters, bars, strong room, CCTV……….

Question 20

Typical theft patterns

Answer 20

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

Question 21

What is a hinge bolt and why is it best for a fire exit door?

Answer 21

A hinge bolt stops the door being lifted from its hinges. This prevents thieves from removes the hinges and simply pulling the door off

Question 22

Alarm conditions for the insured

Answer 22

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

Question 23

Considerations for the correct safe

Answer 23

Maximum value
Volume 
Position - prefer inside locked office, under floor or within wall
Key or combination 
Price - New or second hand

Question 24

For GIT - what security can be added to improve vehicle security?

Answer 24

Audible and visible alarm

Mortise lock and striking plate

Locking bar on double doors

Wire grilles on Windows

Lockable compartments within the vehicle

Question 25

What 2 things can be considered when improving vehicle security and cargo theft?

Answer 25

1. Immobilise the vehicle, so thieves cannot simply drive off
2. Improve the physical security

Question 26

How are safes classifed?

Answer 26

Free Standing / Wall mounted / Under-Floor, they are then given a security limit,