There are four main types of lock and you probably have more than one type in your home.
1 – 5-Lever Mortice Lock
Almost exclusively found on wooden doors, the British standard five-lever mortice lock is the most secure type of general house lock and is often referred to as a Chubb lock. The more levers a lock has the more difficult it is to pick.
The lock is ‘morticed’ in the door itself and the strike plate sits in the door frame. As you turn the key in the lock the bolt moves across to the frame and locks the door. The only way to open the door is with a key.
Most insurers will insist that your lock is at least 5 lever bust most require that it conforms to British Standard BS3621, which ensures it has certain security features in the mechanism such as larger bolt throw, anti drill plates and an anti pick curtain and levers. You can tell if your lock conforms by checking for the BSI Kitemark™ – usually on the face plate of the lock on the door as opposed to the frame.
2 – Multi-point locking system
3 – Rim locks or night latches
Unlike mortice locks that are morticed into the door, these locks are surface mounted on the door itself with the latch being mounted on the door frame and are almost exclusively found on wooden doors, they are often referred to as ‘Yale’ type locks. They can usually be deadlocked from the inside, but more secure versions can also be deadlocked from the outside with a key.
They are considered to be less secure than mortice locks or multi-point locks and unless they are deadlocked can be prone to ‘slipping’ ( similar to the credit card trick). Although you can get high security versions of this type of lock, such as the Yale PBS1, many insurers want you to have additional security, like a mortice lock, if this type of lock is on your front door.
4 – Window Locks
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 Insurance Standard (usually BS3621).
Are locks covered by home insurance?
If your locks were damaged during a break-in, your home insurance policy will normally cover the cost of any repairs or replacements needed to secure your home. And, as long as you have contents insurance meets British home insurance standards, your lost belongings will be replaced.
Which types of house locks are best for my home?
That depends on:
- Where you live – house, flat/apartment, countryside, city
- The type of door – wooden, composite or uPVC
- The type of policy you have
- Your insurer
- Existing security measures
It is very important that you carefully read through your home insurance policy to find out exactly which locks are the minimum security requirements for your insurer. Why take the risk of finding that your insurance policy is invalid because you don’t meet their detailed policy requirements – if you are still unsure about whether your locks meet British insurance standards, call Lock-OnSecurity on 07952 302102 for a free locks home insurance consultation.