It may come as a surprise to learn that you might not be insured if you don't have certain types of locks on your doors and windows. But when you think about it, of course it makes sense.
If you don’t have quality locks, properly fitted, you're leaving yourself open to theft. And, just like if you leave a window open when you go out, your insurer isn't obliged to pay out when you make a claim.
Home insurance companies may expect a minimum level of security on entrances to your home, especially ground floor doors and windows. They usually ask if you have these locks in place already and if you don't you're given a few weeks to get them fitted.
Whilst this can be expensive in the short-term, it pays in the long-term for two good reasons:
It's not always easy to tell, but your home insurance provider will need to know so that they can assess how secure your home is and whether you need to upgrade your locks.
There are four main types of lock and you probably have more than one type in your home.
Often used to lock your front door, the five-lever mortice lock is the most secure type of general house lock. The more levers a lock has the more difficult it is to pick.
The lock is usually embedded in the door itself and the strike plate sits in the door frame. As you turn the key in the lock the bolt moves across to the frame and locks the door. The only way to open the door is with a key.
Most insurers will insist that your lock conforms to British Standard BS3621, which ensures it has certain security features in the mechanism. You can tell if your lock conforms by checking for the BSI Kitemark™ - usually on the plate set in the door.
These locks are often found in uPVC doors, usually on patio or French doors. They have at least three places in the frame that all lock at the same time, using the same key and to lock the door you normally need to lift the handle.
As the key cylinder controls all the locking points, it's important to fit a secure rel="noopener noreferrer" type of cylinder. The Master Locksmith Association recommend a 'Diamond' approved cylinder for maximum security.
Unlike mortice locks that are embedded in the door, these locks are mounted on the door itself with the latch being mounted on the door frame. They can usually be deadlocked from the inside, but more secure versions can also be deadlocked from the outside with a key.
They are considered to be less secure than mortice locks or multi-point locks. Many insurers want you to have additional security, like a mortice lock, if this type of lock is on your front door.
With casement and uPVC windows, you'll probably find locks on the handles of the window or at the top and bottom of the window.
With sash windows there's often a central locking bolt and two side bolts that allow you to open the window to let the air in, but not enough to allow a burglar to get in.
That depends on:
Read through your home insurance policy to find out exactly which locks are the minimum security requirements rel="noopener noreferrer" for your insurer. At LV= we've put together a handy video that explains exactly which locks you'll need to have in place to be fully insured with us.