This guide can help you identify the different types of door locks that are approved by home insurers
When searching and comparing home insurance deals, you may be able to get a discount for having your doors and windows fitted with one of the locks approved by the home insurance industry. In this guide we tell you about all of the approved locks and how this little added piece of security could give you a bit more peace of mind while also saving you some cash on your home insurance premiums.
Even if you are happy with your current home insurance deal, there’s no harm in wanting to improve the security in your home by investing in a home insurance industry approved lock for your doors and windows. Either way, getting better locks fitted in is always a good thing. Read on to find out more about what types of locks are approved by most home insurance companies.
When applying for home insurance, you will usually be asked what type of locks you have fitted on your outside doors and windows. If you have one of the home insurance industry approved locks fitted, you could, in some cases, receive a discount on the normal premiums. Generally speaking, the more security you have on your home, the cheaper your premiums will be, as home insurance companies will find there is less of a risk for them in insuring your property.
So if you do not have the right locks fitted, you may end up paying a higher premium on your home insurance. But this could also relate to other security risks to your home. For example, you might live in an area with a statistically higher than average rate of burglaries, fires or vandalism. Ultimately, not everything comes down to what type of lock your doors have, but still, it’s good to have a secure lock, and if it’s approved, then you could even save some money.
Insurance approved door locks
So what types of front door locks do insurance companies approve of? There are three main types of door locks and one kind of window lock that could help you save on your insurance. But remember, regardless of the lock on the door, if you get burgled via an open window or even an open door, your claim could be invalidated, so always practice common sense in your security whatever extras you decide to invest in.
The five lever mortice deadlock
Despite what the name might suggest, you will actually be quite familiar with this lock and will have probably seen it fitted on many doors before. You will know if you have this type of lock on your door if you see a mortice, a type of hole or recess cut into the door or wall allowing the lock to be fitted into it. Essentially, the more levers a mortice deadlock has, the more secure it is, and the five lever mortice deadlock is the standard for the approved home insurance locks list. It may not be the easiest name to remember, so write it down before going lock shopping.
But what type of front door lock has a name even catchier than the five lever mortice deadlock and is still considered to be more secure? That will have to be the five lever mortice deadlock conforming to BS3621. This is essentially the same type of deadlock, but it conforms to the current approved British standards. Some insurers will insist, in order to give you a discount on premiums, that you have a five lever mortice deadlock conforming to BS3621 fitted to all outside doors and ground floor windows. Check what the home insurance policy conditions are first before buying the cover.
Key operated multi point locking system
This approved lock system usually offers a higher level of security than the five lever mortice deadlock, as it bolts the door into the door frame. They are most commonly found on uPVC doors, so if you have one, chances are that you already have a key operated multi point locking system in place.
These approved locks usually have three locking points that simultaneously lock when you turn the key. For the main door the SS312 Diamond approved cylinders are most likely to get you a better deal on your home insurance premiums, so look out for that one.
Rim automatic deadlatch or night latch
The deadlatch, or night latch is an approved lock but home insurers would prefer it to be used in conjunction with one of the other locks as an extra measure, rather than a standalone lock. These types of locks are mounted onto the front door, rather than morticed into the wall, so as a result they are far less secure than the five lever mortice deadlock.
However, a double locking night latch is an effective measure of security at night, allowing you to lock yourself in at home. As usual, look for the types of locks conforming to British standards, as these are more likely to be approved by most home insurance companies.
Key operated window locks
All ground floor and accessible windows should have key operated window locks installed. These locks are usually fitted on the handle that opens and closes the window or at the bottom or top of the window frame. But the main thing about these locks is that they require a key; so when these windows are not in regular use or you are not at home, make sure to lock them with a key.
Are approved locks worth it?
Having a combination of approved window locks and approved door locks, especially on the main entrance to your home and ground floor and patio windows, should help your chances of getting a discount on your home insurance premiums.
If you do not already have any of these locks installed, then it could feel like a bit of an expensive investment to get them fitted in. However, in the long term, it could be worthwhile, as first of all it should actually decrease your chances of being burgled. And as a bonus, through discounted home insurance premiums, you could end up recovering some of that money you already spent.
Remember, it is always worth shopping around for a good home insurance deal on a comparison website like uSwitch. And always check the terms of the policy, such as what security standards they expect you to adhere to, as any failings could invalidate a future claim.
On the plus side, if you can more than match those standards set by the policy, you could get a cheaper deal on your home insurance. So start using our approved locks research today and find one that is right for your home, then see if you can save on your home insurance.