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The different types of house locks and their impact on your home insurance

Making sure you have the right lock on the right door will both protect your home and make sure that you aren't invalidating your home insurance policy. Find out more about the advantages of different types of lock.

 

 

Chris King From the Home team
4
minute read
posted

What are the different types of door locks?

There are lots of different types of house locks available, including:

  • five lever mortice locks
  • sash and deadlock mortices
  • multi-point locking systems
  • night latches 
  • bolts
Door Lock

Which house locks do insurance providers favour?

The more secure the lock, the better it will be regarded by insurance providers. A five lever mortice lock is one that’s frequently regarded to have a good standard of security, especially when the lock conforms to the correct British Standard (usually BS 3621). A mortice lock requires a key both to open and lock it.

Some of the most secure locks include multi point locking systems, in particular SS312 Diamond approved cylinders, which are usually found on uPVC and composite doors. Multi-point locks have a minimum of three locking points that all lock at the same time when you turn the key. For example, a door could lock at key level and bolt the door into the frame at the top and the bottom. If you have sliding patio doors, you may need to install an anti-lift patio lock for increased security to stop the door being lifted off the rails.

If you pair either of these locks with a burglar alarm system that you use and maintain, even better.

While night latches are a frequently fitted and used lock type, some insurance providers may prefer that you use them in conjunction with either a five lever mortice lock or a multi-point locking system. A night latch is a lock that’s mounted on the surface of the door, instead of being morticed into to the edge of the door. Night latches can often be deadlocked.

Door bolts are a sliding bolt for a locking door, often used at the top or bottom of doors to provide additional security.

 

What about window locks?

It’s also important to make sure that your windows can be locked securely. Most insurance providers will ask if you have locks on your accessible windows, so it’s a good idea to fit all downstairs windows with an internal lock – and preferably locks that are key operated. The locks are often in the handle itself, especially if you have double glazing. But if you don’t have them, locks can also be fitted to the top or bottom of the window.

What about locks for sliding doors?


If you have French or patio doors, locks could be fitted with a central rail locking mechanism, which you’ll typically see on uPVC types of doors.

Regardless of which types of doors and windows you’re securing, it’s always important to check the wording and requirements in your home insurance policy as they’re likely to differ among insurance providers.

Can my insurance policy be invalidated even if I have the right locks?

Even if you have secure locks fitted on all your doors and windows, if they’re left unlocked and a theft happens as a result, it’s very likely that your claim would not be paid. This is because most insurance providers insist there are signs of “force and violence” used to gain entry to your home for a theft to be covered.

You’ll also need to notify your insurance provider if your home is going to be unoccupied for longer than is stated as acceptable in your policy – this is usually around 30 days.

Finding home insurance

Now that you’ve got your locks sorted, it’s time to get your home insurance taken care of too. Just start a home insurance quote with us. We'll ask you some straightforward questions about you, your house (including your security features) and the contents of your home.

Once we have all the information we need, we'll get you a list of suitable insurance policies from across the market. Our results page will summarise each policy and list them in price order. You can then click through to the insurance provider’s website to access further information about the policy, and buy if you want to.

Then you can sit back, safe in the knowledge that your home is as well protected as it can possibly be.

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