Lock requirements
When you have locks fitted at your home or commercial property, you need to know that they are secure, fit for purpose and comply with British Standard requirements. Since their compliance with the required standards cannot always be determined visually by the presence of a kitemark our team at Absolute Security is always happy to check that your locks meet insurance requirements. Here, we talk you through the British Standards and insurance requirements for locks.
Understanding British Standards
British Standards are requirements for how particular products, such as locks, should be made. They are set by the British Standards Institution (BSI), which also provides certification, training and advisory services. If a product has been certified by the BSI and has passed assessments, meeting the requisite standards, it will display a British Standard kitemark on both the product itself and the packaging.
In addition to the kitemark, locks that meet the necessary requirements will display a set of numbers, which indicate the particular standards it has passed. A lock may display:
BS3621: Domestic locks will usually show BS3621, which is relevant to mortice and cylinder rim locks where a key is required for both sides of the lock. As long as the key has been removed, the lock is secure against intruders that may try to operate it by reaching through a letterbox or breaking nearby glass.
BS8621: This standard applies to locks that require a key for entry but not for exit, such as those in flats or apartment blocks. They typically have a thumb turn inside, allowing for emergency escape without the need for a key.
BS10621: Some properties have entry points that can only be locked by a key from the outside. They can be opened from inside without the key. These will display BS10621.
Insurance requirements for home security
Insurers have specific requirements when it comes to locks on residential properties. It’s important to meet these requirements to ensure that your policy remains valid and you are protected should a break-in occur. While different providers may have some specific insurance requirements for locks, there are some general guidelines that you can follow:
BS3621 or equivalent standard: Insurance companies require a British standard lock that complies with BS3621 or equivalent (see above).
Five-lever mortice deadlock: Many insurers require doors to be fitted with a five-lever deadlock that meets the BS3621 standard.
Multipoint locking systems: uPVC or composite doors and sliding patio doors often come with multipoint locking systems. These engage multiple bolts when the door is locked with the key. Most insurance providers will accept these as they meet the required security standards. Patio doors may need additional features like an anti-lift device or a secondary lock or deadbolt.
Key operated locks for windows: Most insurers will require accessible windows – including those on the ground floor or near balconies and flat roofs – to be fitted with key operated locks that meet the relevant standard.
Additional security measures
In addition to the above insurance requirements for locks, you can make the security of your property more robust by using the following:
- Star-rated locks: Cylinder locks are rated based on a star system (1 – 3 stars) that indicates their security and performance. Some insurers require a minimum star rating for the policy to be valid.
- Alarms: Some insurers may offer a discount for the installation of an approved burglar alarm. Others could specify this as a requirement for higher value homes.
- Lighting and CCTV: Any additional systems such as security lighting, CCTV, motion sensors and more will help you meet your provider’s requirements and could even reduce your premiums.
Alarms, security lighting and CCTV must be fitted by an appropriately qualified professional, and are not services offered at Absolute Security Locksmiths.
Compliance with British Standards
Complying with British Standards is imperative if your policy is to remain valid in the event of a break-in. Again, all British Standard locks will display a kitemark and the number of the standard it has passed. It’s worth keeping proof of compliance – such as certifications or receipts – should anything go awry.
For landlords, the requirements may be different as they are designed to protect tenants. You may need to comply with local rental regulations and fire regulations, or fit all doors and windows with specific lock types.
Checking insurance policy wording
When selecting an insurance provider, many of us head to a comparison website and select the policy that looks affordable and reasonably comprehensive. However, paying attention to the requirements can mean the difference between being protected and losing everything in the event of a burglary. Reviewing the wording will ensure you install locks that meet the required standards, whether that means a specific BSI number like BS3621 or a specific type of lock, such as a five-lever mortice lock.
Verification of compliance
When filing an insurance claim, you may be asked to provide evidence of compliance with the insurer’s lock requirements. As such, it’s advisable to keep photographs and/or receipts that prove the products you’ve used meet the necessary standards.
You can also consult with professionals such as qualified locksmiths to ensure all locks on your property meet the requirements set out by your insurance provider. Of course, a reputable locksmith can also recommend and fit products, ensuring that you have the best possible security measures in place. At Absolute Security Locksmiths, we often check customers’ insurance documents for them to ensure their locks are compliant.
Impact of non-compliance
Many homeowners and businesses aren’t necessarily aware if their locks are British Standard locks, and simply check the box that says they are when filling out insurance forms. However, giving the wrong information can invalidate your policy, meaning that in the event of a break-in, you would not be covered. As such, it’s always worth double checking and investing in locks that meet the required standards.
If you do not have British Standard locks or comply to insurance requirements and disclose this on your insurance forms, your provider may either refuse cover or charge a higher premium, so again it’s worth fitting products that have the kitemark and relevant BS number.
Fitting British Standard locks
British Standard locks are those that have been assessed and approved by the British Standards Institute, and provide an adequate level of protection against both wear and tear and compromise. Insurers have specific requirements when it comes to the type of locks fitted at your property, and typically require them to conform to British Standards. As such it’s worth checking the locks at your home or commercial property and speaking to a qualified locksmith for replacements and upgrades.
At Absolute Security Locksmiths, we have been providing locksmith services for over 20 years, and can help with obtaining and fitting British Standard locks on a variety of property types. We also offer a 24/7 emergency callout service, and thanks to our comprehensive stock of locks and parts, we can complete jobs promptly. Contact our experts today for advice or to invest in better security.