When it comes to protecting your home, having strong locks is one of the most important security measures you can take. However, not all locks offer the same level of protection. An insurance-approved lock is designed to meet recognised security standards and offers enhanced protection against burglary. Many home insurance providers recommend or even require homeowners to install insurance-approved locks to reduce the risk of burglary and improve property security.
At CJW Locksmiths, we are often asked what qualifies as an insurance-approved lock and why it matters. Understanding the difference can help you protect your home and meet your insurer’s requirements.
What Does Insurance-Approved Mean?
An insurance-approved lock meets recognised security standards and has passed independent testing against common burglary methods. These locks provide a higher level of security than standard locks, and insurance companies often specify them when issuing home insurance policies.
The most widely recognised standard in the UK is British Standard (BS) certification. Manufacturers put these locks through rigorous testing to ensure they provide reliable protection against forced entry.
Common Types of Insurance-Approved Locks
Several types of locks can be classed as insurance-approved, depending on the type of door they secure.
For wooden front and back doors, a BS3621 mortice deadlock is one of the most common requirements. These locks use a key-operated mechanism and resist drilling, picking, and forced entry.
Many modern uPVC and composite doors use multi-point locking systems. Insurance providers often prefer locks that meet TS007 or BS EN1303 standards, particularly when fitted with anti-snap cylinders. These cylinders help prevent lock snapping, a common method burglars use to gain entry.
For patio doors, garages, and outbuildings, insurers may recommend additional security measures such as British Standard deadlocks, security bolts, or upgraded locking systems.
Why Are These Locks Important?
Installing insurance-approved locks offers several benefits beyond simply satisfying your insurer.
Firstly, they significantly improve your home’s security. Because they have passed testing against common attack methods, they provide greater resistance to burglary attempts.
Secondly, they can help you avoid problems if you need to make an insurance claim. If your policy specifies certain lock standards and your property does not meet those requirements, your insurer could reduce or reject a claim after a break-in.
Finally, insurance-approved locks provide valuable peace of mind, knowing your property has an extra layer of protection.
How Can You Tell If Your Lock Is Insurance-Approved?
Many approved locks display the British Standard Kitemark on the faceplate, cylinder, or packaging. You may also find a standard number, such as BS3621, marked on the lock itself.
If you are unsure whether your locks meet current insurance requirements, a professional locksmith can inspect your doors and recommend any necessary upgrades.
Contact CJW Locksmiths for Expert Advice
At CJW Locksmiths, we supply, fit, repair, and upgrade a wide range of insurance-approved locks for homes and businesses. Whether you need a lock replacement, a security assessment, or advice on meeting your insurer’s requirements, our experienced locksmiths are here to help.
Contact CJW Locksmiths today to discuss your security needs and ensure your property is protected with the right insurance-approved locks.
