Home Insurance Lock Requirements: What You Need to Know

Home insurance is something most of us pay for and hope we never need. But if you do need to make a claim, discovering that your locks don't meet your policy's requirements can be devastating. Many claims are rejected or reduced because the property's locks weren't up to standard.

Most UK home insurance policies require that all external doors are fitted with locks that meet British Standard BS3621. For wooden doors, this means a five-lever mortice deadlock with the BSI kitemark. For uPVC and composite doors, insurers typically require a multipoint locking system with a euro cylinder that meets the TS007 standard or equivalent.

Some insurers go further and specify that euro cylinders must be 'anti-snap' or 'Sold Secure Diamond' certified. Others require window locks on all ground-floor windows. The specific requirements vary between insurers, so it's important to read your policy documents carefully.

How can you check if your locks comply? For mortice deadlocks, look for the BSI kitemark stamp on the faceplate (the metal plate visible on the edge of the door). For euro cylinders, check whether the manufacturer's documentation mentions TS007, Sold Secure, or anti-snap certification. If you're unsure, a locksmith can assess your locks and advise.

If your locks don't currently meet your insurance requirements, upgrading is straightforward and relatively affordable. A locksmith can fit BS3621 mortice deadlocks and anti-snap euro cylinders in a single visit, and provide documentation confirming the work for your insurance records.

Don't risk having a claim rejected. Call Oldham Locksmiths on 07949 139 475 for a free lock assessment and insurance compliance check.