I’ve only claimed on an insurance policy twice in my life. Once when I was 18 and crashed my midnight blue (with matching suede interior) Vauxhall Astra in a Morrisons car park and the second time last year when I lost my watch. I can't remember much about the first claims experience but the second was great, it was with Aviva, it took me less than 2 minutes to complete online, I had a same day decision and the money in my account within 48 hours.

I’m very much a millennial, I want instant gratification and I don’t care if I have to pay for it. I hope no one from Aviva reads this but I reckon they could put my contents insurance up by 50% and I probably wouldn’t switch. Half because of the hassle and half because I believe they will pay out when I need them to.

So when Aviva emailed me last week asking if I wanted to try a Roost smart battery free of charge I thought I’d give it a go. It replaces the standard 9v battery in your smoke alarm and alerts you if your smoke alarm sounds. I had a quick google, it's about $35 + Shipping to buy one online, about the same as 1 month of my contents policy. Even though I wouldn’t leave Aviva for a big increase in premium, I’m also not sure I’d buy one of these for a reduction in premium either.

Looking online I can't find an example of where Roost has resulted in emergency services getting to a house quicker or a reduction in a claim due to speed to action (Please tell me if I’m wrong?). So will it deliver real benefit to policyholders or insurers? For me, if it’s an easy way to reassure my wife that she probably hasn’t left the hairdryer on, i’ll take it!