Insurance grade locks explained

Confused about insurance graded locks?

Many customers phone Red Circle Locksmiths after having been told by their insurance companies that they require new locks before they will be insured. One chap phoned us up after having been told he required new window handles to all of his UPVC windows when in fact the existing handles he had were fine, as long as they are key lockable they will be suitable for all insurance companies we have come across so far.

Another common query we get is ‘Do you supply and fit 5 lever chib locks?’or ‘I need a 5 lever double throw lock fitted to my UPVC door.’ There seems to be a lot of confusion about what is actually required but it is really as simple as this:

Door Locks:

If you have a timber door and wish to check if your lock is suitable for insurance, look for the kite mark. The British Standard for locks is BS3621. The marking will be on the faceplate of the lock if it is a deadlock, or on the front of the barrel if it is a rim deadlock.

If you have a UPVC door or a timber door where you lift the door lever to lock the door, then you are most probably covered as this is what is known as a multipoint lock and these will have three or more locking points. If you look at the front edge of the door it will have a metal strip running from top to bottom with a latch and bolt in the centre, near the handles, then either hooks, bolts, or small rollers located at random points. Most insurance companies accept these as they are locked at multiple points, making it almost impossible to open the door with the use of force.

Window Locks:

If your windows can be opened from the inside without the use of a key or special tool then you will need to upgrade your window locks or handles. Most window handles are quite easily swapped over but its probably best to call a locksmith as there are different sizes for some types of window.

As a general rule, the reasoning behind most of this is to prevent an intruder from easily exiting the property through a door or window, once inside. It is much easier to remove a large quantity of items through a door or large window than through the point of entry, a broken window , for example.

And DON’T leave the keys in the locks on the inside or hanging on a hook near the front door, keep keys to a minimum and on you key ring either kept with you or hidden in a safe place.