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Home Insurance Consultations –
“Do my locks meet my insurance requirements?”

At Abbey Locksmiths we understand that a lot of the jargon contained within your insurance policy is only understood by someone with the correct knowledge.  We are happy to share this knowledge with you free of charge and will come to your property, read your insurance policy and ensure that your home is fitted to the requirements outlined by your insurer.

Many insurers will have the requirements outlined below, without asking you what your fittings are, as it reduces the policy price and makes them more competitive.

Listed below are some of the things you might find contained in your policy:

External doors (main exit doors)

The main door(s) that you leave your home by should be fitted with:

  • a mortice deadlock, with at least five levers, conforming to British Standard BS 3621
  • or a rim deadlock conforming to British Standard BS 3621
  • Aluminium/UPVC doors fitted with a multi-point locking system which incorporates a lever or cylinder deadlock, capable of being secured by a key from both sides. Patio doors/French Doors Generally made of either UPVC or wooden construction, UPVC should have the facility to anchor the slave door in the closed and then lock the other door to that with at least 3 locking points, this can include the deadlock.

Other single external doors (includes access door)

Should be fitted with:

  • a mortice deadlock, with at least five levers, conforming to BS 3621
  • or rim deadlock, conforming to BS 3621
  • or key-operated lock with bolts top and bottom
  • for solid doors, bolts should be at least 10 inches in length
  • for glass-panelled doors, key-operated mortice rack bolts should be fitted
  • UPVC/aluminium doors should be fitted with a multi-point locking system which incorporates a lever or cylinder deadlock, that can be locked with a key from both sides

Patio doors

Should be fitted with:

  • the manufacturer’s integral lock plus key-operated patio door locks at the top and bottom of each sliding door
  • or a multi-point locking system which incorporates a lever or cylinder deadlock, that can be locked with a key from both sides.

French windows (french doors or double doors)

Should be fitted with key-operated locks and key-operated mortice rack bolts at the top and bottom of both leaves.

Windows, rooflights and fanlights

All windows, rooflights and fanlights which can be reached without the use of a ladder, and that can be opened, should be fitted with key-operated window locks.

 

Why take the risk of finding that your insurance policy is invalid because you don’t meet their detailed policy requirements – call now for a free locks home insurance consultation.


Book your free Home Insurance Consultation


 

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