How house locks affect your house insurance

Keeping your house safe is a pretty big priority. Making sure you have good, secure locks is a big step in keeping your home, your family and contents safe. And as an added incentive, the better your locks, the more likely you are to save money on your home insurance. Take a look at our guide to the types of house locks available. If you're still unsure, contact the Master Locksmith Association for advice.

 

Five lever mortice lock

A five level mortice lock is the most popular door lock and is also insurance approved, providing you have one with the British standard kite mark BS3621. You may find that an insurance provider will offer you a discount if you have these locks fitted to all your external doors

 

Sash and deadlock mortices

With a sash mortice lock you can shut your door with a latch without it locking behind you, so there's no fear of locking yourself out. Once you lock it with a key, the door will be 'deadlocked', so it’s very secure. The downside to this kind of lock is that you have to remember to lock it when you go out – otherwise your house won’t be secure. (REF) A deadlock mortice is just a bolt with no latch, so its purpose is purely to provide extra security. 

 

Multi point locking systems

Multi point locking systems are common in PVC doors. The side of the door has a strip of locks and latches that lock simultaneously as you turn the key. The minimum is a three-point system, which has a lock in the middle, one at the bottom and one at the top. It's obviously very secure as it locks in a number of places, so in theory there are no vulnerable areas. If it's an external door, for insurance purposes the lock cylinder will need to have a minimum of five pins.

 

Night latch

Night latches are generally used as extra security, rather than being the only security on a door. The lock is fitted to the front of your door rather than 'morticed' into the door itself. If you want to be able to deadlock the latch from the inside, you'll need a double locking night latch. The best night latches will have a British safety kite mark.

 

Window locks

Insurance companies like you to have key operated window locks on all downstairs windows. 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.

 

Make use of your locks

No matter how secure the locks are on your doors, if you don't use them and your home is broken into then it's likely you won't be covered by your insurance policy. So it's important that you take all the security measures you can to keep your house secure. Not only should that deter a burglar, but in the unfortunate event that you do have to make a claim, you know you should be protected.

 

Once you’ve got all your locks in place and are ready to take out home insurance, let us help you find the best deal. Start a home insurance quote by clicking the green button. We'll ask you some straightforward questions about you, your house (including your security features) and also 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 get 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 be. 

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