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Locks to meet your Home Insurance Policy

Did you know that you could be invalidation your home insurance policy by not getting the locks changed when you move house? This is due to a condition of most home insurance policies that if you are burgled and there is no sign of forced entry, aka a burglar had used a key your home insurance policy is unlikely to pay out just as if you were to leave a window open. Getting your locks changed should be your number one priority when moving house but of course, maintenance things often get swept aside after all the packing all your belongings into a removals van. When you get your date for moving house, arrange for a locksmith to come out the same day, this will give you peace of mind and keep your home insurer’s happy.

A reputable locksmith company will install the correct locks to meet the needs of security regulations. You will need to refer to your home insurance policy to be 100% sure but you can check if your locks are likely to meet your home insurance policy with the following:

 

British Standard

If you have wooden doors for example your insurance policy will require the locks to be British Standard. When a lock is British Standard it means it meets a minimum standard to be recognised as a quality product by relevant authorities. You can indentify whether your locks are British Standard by looking out for the Kitemark engraved onto your lock, the British Standard Kitemark looks like a heart. You may also find this code BS:EN which is the British Standard European Norm which means it has been approved by the UK and European standards.

Mortice Locks

Mortice locks are commonly found on wooden doors and use a key to operate a sliding bolt to lock and unlock the door securely. As there is no automatic locking mechanism with a mortice lock you must remember to lock the door to avoid being burgled with no sign of forced entry. Most mortice locks that meet British Standards will be compliant with your home insurance policy, especially when used in conjunction with a nightlatch as mortice locks may not offer complete protection on their own.

 

 

british standard logo on a lock

 

Nightlatches

Nightlatches are more commonly known as Yale locks. This type of lock is used in conjunction with a mortice lock on a wooden door and offers the ability to automatically lock the door when closed which is a common problem with mortice locks on their own. There are several ranges of nightlatches including the most secure, a double locking nightlatch which has the additional feature of a key as most versions are keyless and use a snib on the internal side of the door to lock into place. A double locking nightlatch is approved by British Standards. To unlock the nightlatch from the external side of the door a rim cylinder is used with a key.

 

Multi-point Locking System

Multi-point locking systems are mostly found on uPVC doors and composite doors. A multi-point locking system compromises of 3, 4 or 5 locking points that lock simultaneously when engaged by pulling the handle up, the more locking points generally the more secure it is. A multi-point locking system is most commonly used in conjunction with a cylinder lock.

 

Euro Cylinder

A euro cylinder is the locking mechanism often found on uPVC doors and composite doors in conjunction with a multi-point locking system. There are many variations of euro cylinders out there so it is important to look for one that will meet your insurer’s needs. A good quality euro cylinder will be Kitemarked much like a British Standard Kitemark but with a TS007 star rating. The star rating is ranked 1-3 stars with 3 stars being the most secure. A secure euro lock will protect your home from popular burglar techniques such as lock picking, drilling, snapping, bumping and plug extraction.