Smoke detector: Can the insurer punish you for absence?

Verified 27 April 2021 - Directorate for Legal and Administrative Information (Prime Minister)

Each dwelling must be equipped with at least one smoke detector.

It is the owner who has the obligation to settle the detector.

Your insurance company can't sanction you if you haven't settled a detector.

For example, the insurer cannot decide to increase your contribution because of the lack of a fire detector.

Similarly, the insurer cannot refuse to compensate you or decide to reduce your compensation because of the absence of a fire detector in your home. You'll be covered in case fire if you have purchased the fire warranty.

But if you have a smoke detector in your home, you can report it to your insurer, whether you're a tenant or a landlord. A smoke detector declaration with a copy of the purchase or installation invoice must be sent to the customer (by mail or e-mail).

A document template is available:

Smoke detector - Insurer reporting template